Online Refinancing Application

Before beginning the application, please read all of the information contained on the disclosure page


Important Information about Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act requires all financial institutions to obtain, verify and record information that identifies each person (including business entities) who opens an account. What this means for you: When you open an account, we will ask for your name, physical address, date of birth, taxpayer identification number/social security number, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. We will let you know if additional information is required.

Get Started

All fields marked with * are mandatory

Do you intend this to be an Individual or Joint Application?

Individual Joint By selecting Joint, you acknowledge that you have permission to apply for a joint account on behalf of a joint applicant. If you do not have such permission, you may not proceed as a Joint application at this time. An applicant, if married, may apply for a separate account.

Please enter your Reference Number and Mail Code. (Optional)

Vehicle Information

Personal Information

1- By providing a wireless telephone number, I hereby consent to receiving texts and autodialed and/or prerecorded message calls from you or your third party debt collector at that number.

2- By providing e-mail address, I hereby consent to receiving email messages from you or your third party debt collector at that address.

Residential Information

Employment Information

This is for applicants relying on employment income, including part-time income. Employment is not required. We will consider other sources of income, such as retirement income and public assistance. Such income should be disclosed in Other Income Information below.

Years
Months

Other Income Information

Alimony, child support, spousal income and separate maintenance income need not be disclosed if you do not wish to have it considered as a basis for repaying this obligation.

Years
Months

Co-Applicant's Personal Information

1- By providing a wireless telephone number, I hereby consent to receiving autodialed and/or prerecorded messages calls from you and your loan servicing company to service and collect my account.

2- By providing e-mail address, I hereby consent to receiving emails from you and your loan servicing company to service and collect my account.

Co-Applicant's Residential Information

Is your physical address the same as the Applicant's?

Yes No

Co-Applicant's Employment Information

This is for applicants relying on employment income, including part-time income. Employment is not required. We will consider other sources of income, such as retirement income and public assistance. Such income should be disclosed in Other Income Information below.

Years
Months

Co-Applicant's Other Income Information

Alimony, child support, spousal income and separate maintenance income need not be disclosed if you do not wish to have it considered as a basis for repaying this obligation.

Years
Months

Final Step

CERTIFICATION: I/We certify that the information provided in this application is true, correct and complete as of the date hereof and is made for the purpose of obtaining credit. I/We understand and acknowledge that First Investors will rely on the information contained in this application and I/we have a continuing obligation to amend and/or supplement the information provided if any of the facts which I/we have represented herein should change prior to funding. I/We understand and acknowledge all pre-established underwriting guidelines must be satisfied prior to and at the time of loan funding. I/We hereby authorize First Investors to verify and re-verify any information contained in this application and acknowledge that verification or re-verification may be made at any time by First Investors either directly, through a credit reporting agency or from any source named in this application. I/we authorize First Investors to order consumer reports on me/us in connection with my/our application for credit and acknowledge and understand that, ifI/we ask, First Investors will tell me/us whether or not one was ordered and, if one was, the name and address of the consumer reporting agency that provided it.

NOTICE: An applicant, if married, may apply for a separate account.

EXTENDED TERMS AND EXTENDED FIRST PAYMENT: If approved, lower monthly payment may result from a lower interest rate, a longer term or both. Remaining term may be extended for additional monthly savings; however, extending the term or the first payment beyond 30 days will increase the total interest paid. First payment may not be extended beyond 30 days in IL, MD, MO, and NJ.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, U.S Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individuals and businesses) who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your driver's license or other identifying documents.

EQUAL CREDIT OPPORTUNITY: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

STATE SPECIFIC DISCLSOURES:

California Residents:
Loans will be made pursuant to a California Department of Business Oversight Finance Lenders License. If married, you may apply for a separate account.

Delaware Residents: Each licensee shall maintain itemizations of the current charges that the licensee uses in consumer transactions. The itemization shall identify all charges that the licensee may collect from its customers for a particular type of transaction. We only originate closed end loans secured by motor vehicle collateral and the following charges may be assessed as of 5/31/2014:

· Interest. Our interest rates range from 7% to 24.95% APR and are based on creditworthiness.

· Loan origination fee of $25.

· Title filing/lien transfer fee. The fee is $35.

· Late or delinquency charges . We assess 5% of the installment payment or portion thereof in default. There is a 10 day grace period.

· We may assess attorney fees incurred by us as a result of a default by the borrower.

· We may assess court, alternative dispute resolution, or other collection costs (including collection agency fees) incurred by us as a result of a default by the borrower.

· We may assess the reasonable expenses of retaking, holding, preparing for disposition, processing and disposing, and, to the extent provided for by agreement and not prohibited by law, reasonable attorney fees and legal expenses incurred by us.

· We assess a returned check charge and charge for the denial of electronic account debits limited to the amount specified in our agreement with you. You may only be assessed one such charge per item. Our fee is $40 fee per item.

Florida Residents: The insurance laws of this state provide that the lender may not require the applicant to take insurance through any particular insurance agent or company to protect the mortgaged property. The applicant, subject to the rules adopted by the Insurance Commissioner, has the right to have the insurance placed with an insurance agent or company of this choice, provided the company meets the requirements of the lender. The lender has the right to designate reasonable financial requirements as to the company and the adequacy of coverage.

New York Residents: A consumer report may be ordered on you in connection with your application for credit. If you ask, we will tell you whether or not one was ordered and if one was, the name and address of the consumer reporting agency that provided it. Subsequent consumer reports may be requested or used in connection with an update, renewal or extension of the credit applied for without further notice to you. NY Gen Bus. Law § 380-b(b)&(c).

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.

South Carolina Residents Consumers: All supervised and restricted creditors making consumer loans in South Carolina are required by law to post a schedule showing the maximum rate of LOAN FINANCE CHARGES stated as ANNUAL PERCENTAGE RATES that the creditor intends to charge for various types of consumer credit transactions. The purpose of this requirement is to assist you in comparing the maximum rates that creditors charge, thereby furthering your understanding of the terms of consumer credit transactions and helping you to avoid the uninformed use of credit.

Secured personal loans other than those secured by real estate: The maximum APR that First Investors Financial Services, Inc. shall charge in South Carolina is 18% APR.

NOTE: Creditors are prohibited only from granting consumer credit at rates higher than those specified above. A creditor may be willing to grant you credit at rates that are lower than those specified, depending on the amount, terms, collateral and your credit worthiness.

Please click this link for the South Carolina Consumer Loans Rights and Responsibilities Pamphlet.

Texas Residents: First Investors Financial Services, Inc. is licensed and examined under the laws of the State of Texas and by state law are subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against First Investors Financial Services, Inc. should contact the Office of Consumer Credit Commissioner through one of the means indicated below: In Person or U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Telephone No.: (800) 538-1579. Fax No.: (512) 936-7610. E-mail:consumer.complaints@occc.state.tx.us. Website: www.occc.state.tx.us.

Residentes de Texas: First Investors Financial Services, Inc es una compañía registrada y sujeto a examinación bajo las leyes del estado de Texas y por ley estatal están bajo la supervisión de la Oficina del Comisionado de Crédito del Consumidor, Office of Consumer Credit Commissioner. Cualquier consumidor que desee presentar una queja en contra de First Investors Financial Services, Inc. debe comunicarse con la Oficina del Comisionado de Crédito del Consumidor a través de uno de los medios indicados a continuación: Personalmente o por correo de los Estados Unidos: 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Número de Teléfono: 1-800-538-1579. Número de Fax: 1-512-936-7610. Correo electrónico:consumer.complaints@occc.state.tx.us. Sitio de la Internet: www.occc.state.tx.us

Wisconsin Residents: Wisconsin law provides that no provision of a marital property agreement, a unilateral statement under the marital property law, or a court decree, will adversely affect a creditor’s interests unless the creditor, prior to the time the credit is granted, is furnished with a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. If you are making this application individually and not jointly with your spouse, you understand that Wisconsin law requires that your spouse be given notice of this credit obligation.

I/we have read this application, confirm that I/we have provided accurate information, have read and agree to the Certification, and authorize you to obtain a credit report(s) and make a credit decision.
I/We have read the Important Information about Procedures for Opening a New Account and the Important Disclosures.
I/We
First Investors Financial Services, Inc. to review my credit history and have reviewed the First Investors Financial Services, Inc. Disclosure page and Privacy Policy. If you received a pre-screened firm offer of credit, please refer to your mailer for terms and conditions of your firm offer.

Online Refinancing Application

Before beginning the application, please read all of the information contained on the disclosure page

Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act requires all financial institutions to obtain, verify and record information that identifies each person (including business entities) who opens an account. What this means for you: When you open an account, we will ask for your name, physical address, date of birth, taxpayer identification number/social security number, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. We will let you know if additional information is required.

Get Started

All fields marked with * are mandatory

Do you intend this to be an Individual or Joint Application?

Individual Joint

Please enter your Reference Number and Mail Code. (Optional)

Vehicle Information

Personal Information

1-By providing a wireless telephone number, I hereby consent to receiving texts and autodialed and/or prerecorded message calls from you or your third party debt collector at that number.

2- By providing e-mail address, I hereby consent to receiving email messages from you or your third party debt collector at that address.

Residential Information

Employment Information

This is for applicants relying on employment income, including part-time income. Employment is not required. We will consider other sources of income, such as retirement income and public assistance. Such income should be disclosed in Other Income Information below.

Years
Months

Other Income Information

Alimony, child support, spousal income and separate maintenance income need not be disclosed if you do not wish to have it considered as a basis for repaying this obligation.

Years
Months

Co-Applicant's Personal Information

1- By providing a wireless telephone number, I hereby consent to receiving texts and autodialed and/or prerecorded message calls from you or your third party debt collector at that number.

2- By providing e-mail address, I hereby consent to receiving email messages from you or your third party debt collector at that address.

Co-Applicant's Residential Information

Is your physical address the same as the Applicant's?

Yes No

Co-Applicant's Employment Information

This is for applicants relying on employment income, including part-time income. Employment is not required. We will consider other sources of income, such as retirement income and public assistance. Such income should be disclosed in Other Income Information below.

Years
Months

Co-Applicant's Other Income Information

Alimony, child support, spousal income and separate maintenance income need not be disclosed if you do not wish to have it considered as a basis for repaying this obligation.

Years
Months

Final Step

I/we have read this application, confirm that I/we have provided accurate information, have read and agree to the Certification, and authorize you to obtain a credit report(s) and make a credit decision.
I/We have read the Important Information about Procedures for Opening a New Account and the Important Disclosures.
I/We
First Investors Financial Services, Inc. to review my credit history and have reviewed the First Investors Financial Services, Inc. Disclosure page and Privacy Policy. If you received a pre-screened firm offer of credit, please refer to your mailer for terms and conditions of your firm offer.