Dealers Customers Contact Us Make a Guest Payment LOGIN DISCLOSURES Existing Customers New Customers IMPORTANT INFORMATION First Investors Financial Services, Inc. TERMS AND CONDITIONS: Loan approval is not guaranteed and subject to state law and satisfaction of underwriting requirements. Not available in all states. APR means annual percentage rate. Minimum APR offered is 8.25% (subject to change). You must refinance the full payoff amount of your existing contract subject to our minimum loan amount of $8,000 (higher in some states) and our maximum loan amount of $40,000.00. We do not offer cash-back refinancing. The vehicle that you are refinancing must not be older than 8 years and must be an eligible make and model without excessive mileage. Ineligible collateral includes, but is not limited to, discontinued makes and models, one ton trucks, business use vehicles, salvage or reconditioned titles or vehicles subject to a second lien. All loans are fixed, simple interest loans. We do not refinance existing loans that are serviced by First Investors Servicing Corporation. If approved, lower monthly payment may result from a lower interest rate, a longer term or both. Remaining term may be extended for an even lower monthly payment; however, if you choose to increase the term, the overall cost of your new loan may be higher than without refinancing (i.e., more interest and extra payments). You may also be able to extend your first payment; however extending your first payment beyond 30 days will result in more interest paid. First payment may not be extended beyond 30 days in IL, MD or NJ. Depending on your state of residence, a loan origination fee may apply if approved and funded. Title filing fees apply if approved and funded. Notary fee may be required. Savings claims based on monthly payment savings alone as compared to existing loan. Shortening the term or purchasing a voluntary debt cancellation waiver will reduce monthly payment reduction and increasing the term for greater monthly savings will result in more interest paid. Voluntary debt cancellation waiver is not available in all states. A general refinance example is: Original loan of $23,000 (current balance $20,563), 16.65%, 60 of 72 months remaining, payments of $507/month refinanced at $20,712 (fees included), 14.15%/14.18% APR, 60 month term, payments of $484/month. Your terms and monthly savings may be different. If you received a pre-screened firm offer of credit, please refer to your mailer for terms and conditions of your firm offer. TEXT MESSAGING By opting in to receive text messages, you will receive account notifications. Message and data rates may apply. You may opt out at any time by texting stop to 55185 or 78861. By sending stop to 55185 or 78861, you agree to one additional confirmation message stating that you’ve opted out and will no longer receive messages from First Investors Financial Services, INC. To get help, text HELP to 55185 or 78861. Get additional support or help by sending an email to customer.care@fifsg.com. PARTICIPATING WIRELESS CARRIERS: ALLtel AWCC, AT&T, Boost Mobile, Cellular One, Metro PCS, Sprint, T-Mobile, U.S. Cellular ®, Verizon Wireless, Virgin Mobile USA and additional carriers where available. T-Mobile is not liable for any delayed or undelivered messages. Messages may be delayed or not delivered due to factors outside of the carrier’s control. CREDIT REPORTS: 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. MONTHLY SAVINGS/ADDITIONAL INTEREST FOR LONGER TERMS AND EXTENDED FIRST PAYMENTS/SIMPLE INTEREST CONTRACTS: Savings claims based on monthly payment savings alone. 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. Shortening the term or purchasing a voluntary debt cancellation waiver will reduce monthly payment reduction and increasing the term for greater monthly savings will result in more interest paid. A reduced monthly payment does not mean that you will pay less overall with a new loan. If you choose to extend the new term from your remaining term for more monthly savings, you will pay more in interest and have more monthly payments which will impact any savings from a reduced monthly payment. Your contract will be a simple interest contract, if approved. With a simple interest contract, finance charges (e.g., interest) are calculated based on the unpaid principal balance of the contract. As each payment is made, the payment amount is applied toward the finance charges that have accrued since the last payment was received. The remaining portion of the payment is applied in accordance with the terms of your contract. The timing of your payments will vary the finance charges you owe. Since finance charges will accrue daily for simple interest contracts, the actual amount of finance charge and the actual amount of your final payment will depend on your payment record. If you make every payment on the due date, you will pay off the contract in the time frame and amount described in your contract. If you make your payments before the due date, you will pay less in finance charges. The later you make your payments after they are due, you will pay more in finance charges. This illustrates the importance of making payments on time. For more information about simple interest loans, please click this link: Simple Interest Loans LOAN ORIGINATION FEES: Title filing/lien transfer fees apply. Notary fee may be required. Depending on your state of residence, a loan origination fee may apply. RELAX FOR A MONTH: Refers to the fact that the first monthly payment on your new auto loan will be due 30 to 45 days after the contract date (not the funding date), and the contract date will be 0 to 30 days after the most recent monthly due date of your existing loan. The actual number of days you will not have a scheduled monthly payment due will vary depending on the terms of your existing loan, your payments on the existing loan, and applicable state law. Interest will accrue on your existing loan until it is paid in full and interest will accrue on your new loan beginning on the date the loan is funded. Extending the first payment from 30 to 45 days will result in additional interest being paid. First payment may not be extended beyond 30 days in IL, MD or NJ. In states where first payment may be extended beyond 30 days, please let us know if you do not want to extend the first payment. Until your loan is approved and funded, it is important that you continue to timely make scheduled payments on your existing loan. SERVICE MEMBERS: If you are a service member on active duty, prior to seeking a refinance of your existing contract, please consult with your legal advisor regarding the loss of any benefits you are entitled to under the Servicemembers Civil Relief Act or applicable state law. As of October 3, 2016, First Investors is prohibited from refinancing Military Lending Act covered applicants and approval is subject to MLA search results. 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. Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repaying this obligation. If married, you may apply for a separate account. STATE DISCLOSURES: 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 6/24/2020: Interest. Our interest rates range from 8.25% to 24.95% APR and are based on creditworthiness. Title filing/lien transfer fee. The fee is $55. 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. Maine Residents: You must have physical damage insurance covering loss or damage 1.0 the vehicle for the term of any loan. You may buy this insurance from anyone you choose. You do not have to buy it from someone affiliated with the lender. Your choice of insurance will not affect the credit approval process unless the insurance does not satisfy the contract requirements or the insurance company does not satisfy the reasonable standards of the dealer or an assignee of the contract. New Hampshire Residents: If this is an application for a balloon contract, you are entitled to receive, upon request, a written estimate of the monthly payment amount that would be required to refinance the balloon payment at the time such payment is due based on your current refinancing programs. A balloon contract is an installment sale contract with a final scheduled payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments. 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 credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. Rhode Island Residents: TConsumer reports may be requested in connection with this application. Buyer has the right of free choice in selecting an insurer to provide insurance required in connection with this transaction subject to our reasonable approval in accordance with applicable 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.texas.gov. Website: www.occc.texas.gov. 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.texas.gov. Sitio de la Internet: www.occc.texas.gov Vermont Residents: You authorize us and any financial service provider with whom this application is shared, to obtain credit reports to evaluate your credit application. If your application is approved and credit is granted, you also authorize all parties granting credit, holding and/or servicing your account, to obtain additional credit reports in connection with your account, as permitted by law. Washington Residents: The NMLS Identifier # for First Investors Financial Services, Inc. is 128351 and the consumer access link may be accessed at the following web site http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/128351 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. NOTICE OF NEGATIVE INFORMATION REPORTING: If approved and funded, we may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Not all accounts are reported. NOTICE CONCERNING CONDITIONAL APPROVALS: Funding and final approval are subject to receipt of all completed loan documents, the satisfactory completion of the information verification process and satisfaction of all underwriting requirements. All documents and verification information are subject to final underwriting approval by lender at the time of funding. Until your existing loan is paid off, we recommend that you remain in good standing with your existing creditor by making all scheduled payments. OPTIONAL GUARANTEED AUTO PROTECTION (GAP): We sell GAP/debt cancellation agreements in most states where we conduct business, but it is not available in all states. The purchase of credit products, including GAP, is not required in order to obtain credit or to obtain credit with favorable terms. GAP is optional and the purchase of GAP is voluntary and not required by First Investors Financial Services, Inc. You may be able to obtain GAP from an alternative source and GAP is not a substitute for collision or property damage insurance. If purchased, the product covers a deficiency balance resulting from a covered total loss or an unrecovered theft but will not cover a deficiency balance resulting from a repossession or voluntary surrender. If you choose to purchase GAP from First Investors Financial Services, Inc., it is important that you (i) read and understand all terms, conditions, exclusions and claim requirements; (ii) understand how and when GAP may be cancelled; and (iii) how late payments and payment extensions impact its benefits (i.e., may not cover the full deficiency). Please ask a representative if you have any questions about these matters. Please be advised that existing credit-related products related to or purchased in connection with your existing contract may be impacted by a refinance. GAP waivers and credit insurance are not transferable. You should review the terms and conditions of any applicable products for more information. UNDERSTANDING VEHICLE FINANCING: The following information is provided by the Federal Trade Commission: https://www.consumer.ftc.gov/articles/0056-understanding-vehicle-financing LICENSING: First Investors Financial Services, Inc. operates pursuant to a license or an exemption from licensing in all applicable jurisdictions (see our map) where we originate loans or take assignment of retail installment contracts. In states where a license is required, First Investors Financial Services, Inc. is licensed or registered as follows: Alabama: Consumer Credit License # MC 21063 Arizona: Sales Finance License # SF-0901616 Arizona: Consumer Lender License # CL-0936715 California: Finance Lender License # 603G919 - Loans made or arranged pursuant to a California Financing Law license Colorado: Supervised Lender License # 989448 Connecticut: Sales Finance License # 6638 Delaware: Licensed Lender License # 013012 Delaware: Motor Vehicle Sales Finance License # 013013 Florida: Sales Finance License # SF-0900381 (376994) Idaho: Regulated Lender License # RRL-9229 Illinois: Consumer Installment Act License # CI 3721 Indiana: Consumer Loan License # 10811 Iowa: Nonresident Regulated Loan License # NRR 2012-0020 Kansas: Supervised Lender License # SL 0000817 Kentucky: Consumer Finance License # CL85987 Louisiana: Sales Finance License # SF-2009-00933 Maryland: Consumer Loan License # 1254 /li> Maryland: Sales Finance License # 2212 Massachusetts: Motor Vehicle Sales Finance License # MV128351 Michigan: Regulatory Loan License # RL-0018173 (effective date 04/23/2012). First Investors Financial Services, Inc. is licensed by the Department of Insurance and Financial Services in Michigan. Michigan: Sales Finance License # SF-09887 (effective date 10/19/1994). First Investors Financial Services, Inc. is licensed by the Department of Insurance and Financial Services in Michigan. Minnesota: Regulated Loan License # RL 170 Mississippi: Motor Vehicle Sales Finance License # 190/2012 Missouri: Consumer Installment Lender Certificate of Registration # 510-11-6193 Missouri: Time Sales Act # 365-15-0631 Montana: Consumer Loan License # 128351 Montana: Sales Finance Company License # 128351 Nebraska: Sales Finance Company License # 1297 New Hampshire: Sales Finance Company License # 17486-SF New Jersey: Consumer Lender License # 9826229 New Jersey: Sales Finance License # 9826229 New Mexico: Sales Finance Company License # 00885 Ohio: Mortgage Lenders Certificate License # SM-501524.000 Oklahoma: Supervised Lender License # SL007800 Oregon: Consumer Finance License # 0356-001-C Pennsylvania: Consumer Discount Company License # 38694 South Carolina: Supervised Lender License # S-6, 849 (click here to view license) South Carolina: www.ezautoloan.com is licensed as Supervised Lender License # S-8, 323 (click here to view license) South Carolina: www.fifsg.com is licensed as Supervised Lender License # S-8614 (click here to view license) South Dakota: Money Lender License # MYL.2965 Tennessee: Industrial Loan and Thrift Certificate of Registration # 0000003653 Texas: Regulated Lender License # 50391 Utah: Consumer Credit Notification Filing Washington: Consumer Loan License # CL-128351. The NMLS Identifier # for First Investors Financial Services, Inc. is NMLS-128351 and the consumer access link may be accessed at the following web site: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/128351 West Virginia: Business Registration # 2257-01 Wisconsin: Sales Finance License # 499 Corporate Corporate Homepage About Us Employees Careers Careers FAQs Dealers Dealers Homepage Join Our Network Payoff Quote Contact Us Existing Customers Register Now Security Payment Options Pay Online FAQs Important Disclosures Contact Us Privacy Policy (PDF) New Customers New Customers Homepage Apply Now Loan Calculator Check Loan Status Pay Online FAQs Important Disclosures Contact Us Privacy Policy (PDF) Customer Service 1-800-249-6305 Mon-Fri: 8 am - 6 pm EST For Washington Residents: Consumer Loan License # CL-128351. The NMLS Identifier # for First Investors Financial Services, Inc. is NMLS-128351 and the consumer access link may be accessed at the following web site: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/128351 Privacy Policy (PDF) Security Disclosure