Go the extra mile with 1.00% offAny rate discount(s) are automatically reflected in the Annual Percentage Rate (APR) noted on approval disclosures. Only one promotional rate or discount may be applied per qualifying product or service. Offers cannot be combined unless explicitly stated. Promotions may be extended, modified, or replaced at our discretion. Prior promotional rates do not qualify for reapplication or combination with future offers.

In most cases, you’ll receive a decision immediately or within one business day—depending on the loan amount, your credit profile, and the type of loan you're applying for.

We work quickly to review:

• Your credit history
• Your debt-to-income ratio
• The loan amount and purpose

Tip: To speed up the process, have your income details, identification, and any supporting documents ready when you apply.

Your loan approval and rate commitment are valid for 30 days from the date of approval.
This gives you time to:

• Finalize your purchase
• Submit any required documents
• Lock in your rate before market conditions change

Tip: If you need more time, reach out to your loan specialist. We may be able to extend your approval or help you reapply with updated terms.

At First Tech, we offer competitive rates and flexible terms to help you move forward with confidence—whether you're financing a car, boat, RV, or personal expense.