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Support Home Applying for a Loan I already have an f1RST Personal Loan with First Financial Bank. Will that affect my eligibility? If you currently have a f1RST Personal Loan from First Financial Bank, in order t… How does applying for a f1RST Personal Loan affect my credit? Checking your rate with First Financial Bank will not affect your credit score. … When and how do I receive my loan funds? If you accept your loan before 12:00pm EST Monday-Friday, you should receive your… What is the range of interest rates offered on f1RST Personal Loans, and what is the difference between APR and interest rate? All f1RST Personal loans offer a fixed rate, but individual rates are determined … Can I change my f1RST Personal Loan application after it has been submitted? You will not be able to edit your application once it is submitted. Please be sur… How much money can I borrow? You can borrow between $5,000 and $50,000, subject to credit approval.… What can I use the loan proceeds for? You can use your f1RST Personal Loan proceeds for almost anything. You can: Pay … If I am approved and want to accept the offer, what’s next? In order to receive your f1RST Personal Loan, you must read and agree to the Borr… How are interest payments calculated? First Financial Bank uses simple interest to calculate interest payments. A speci… How do I apply for a f1RST Personal Loan? Please complete the brief online application that includes information about your… What is the difference between a soft and hard credit inquiry? There are two kinds of inquiries (or pulls) that can occur on your credit report:… Why do you need my social security information? The USA PATRIOT Act was signed into law shortly after the September 11, 2001, att… Can I negotiate the rate or my loan terms? No, you cannot negotiate the loan terms or rate. Your interest rate is determined… Can you withdraw or delete my application? If you wish to withdraw from the application process, please email us at ffb.supp… What fees am I charged? Fee Amount Frequency Description Late Payment Fee $50 or 10% of the past due amou… Are loans through First Financial Bank fixed rate or variable rate? The f1RST Personal Loan through First Financial Bank has a fixed interest rate, w… How to Calculate Your Self Employed Income If you’re self-employed and you’d like to use your income from this job as the in…