Filed Pursuant to Rule 424(B)(3)
                                          Registration Statement No. 333-56651

PROSPECTUS SUPPLEMENT NO. 4
(To Prospectus Dated July 15, 1998)



                        FINANCIAL FEDERAL CORPORATION 
                             
                               $100,000,000

                4 1/2% Convertible Subordinated Notes Due 2005
              and Shares of Common Stock Issuable upon Conversion
                                  Thereof

     This Prospectus Supplement supplements information contained in that 
certain Prospectus dated July 15, 1998 (the "Prospectus") of Financial Federal 
Corporation relating to the potential sale from time to time of up to 
$100,000,000 aggregate principal amount of Notes and the Conversion Shares by 
the Selling Securityholders.  This Prospectus Supplement is not complete 
without, and may not be delivered or utilized except in connection with, the 
Prospectus.  Capitalized terms used herein but not defined have the meanings 
assigned to such terms in the Prospectus.

     The following table supplements the information set forth in the 
Prospectus (as amended) under the caption "Selling Securityholders" with
respect to the Selling Securityholders and the respective principal amounts of
Notes and Conversion Shares beneficially owned by such Selling Securityholder
that may be offered pursuant to the Prospectus:



                                   PRINCIPAL 
                                     AMOUNT                             
                                    OF NOTES                    NUMBER OF
                                  BENEFICIALLY   PERCENTAGE    CONVERSION    PERCENTAGE OF
                                   OWNED THAT     OF NOTES     SHARES THAT   COMMON STOCK
             NAME                 MAY BE SOLD    OUTSTANDING   MAY BE SOLD    OUTSTANDING 
- -------------------------------   ------------   -----------   -----------   ------------- 
                                                                 
ADD:
Boston Museum of Fine Arts              56,000          *            1,857           *
Engineers Joint Pension Fund           208,000          *            6,897           *
Nicholas Applegate Income & Growth   1,988,000        2.0           65,923           *
San Diego County Convertible         1,744,000        1.7           57,832           *
San Diego City Retirement              561,000          *           18,603           *
Wake Forest University                 443,000          *           14,690           *  

REPLACE:
Tribeca Investments, L.L.C.  
     Delete                          8,500,000        8.5          281,865         1.9
     Add                             9,500,000        9.5          315,025         2.1
Other Selling Securityholders
     Delete                         20,080,000       20.1          665,865         4.3
     Add                            14,080,000       14.1          466,901         3.0




*   Less than 1%



     All information in this Prospectus Supplement is as of September 25, 1998.



            The date of this Prospectus Supplement is September 28, 1998