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  First Bank & Trust Co. Auto Loan

First Bank & Trust Co. Auto Loan

in Auto Loans from First Bank & Trust Co.

Unaffiliated

First Bank & Trust Co. Auto Loan

Unaffiliated

in Auto Loans from First Bank & Trust Co.

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Highlights
Credit Score Range N/A
Loan Amount N/A
APR  (Fixed APR) N/A
Loan Term (Months) N/A

First Bank & Trust Co. Auto Loan Review

First Bank & Trust Co. Auto Loan is offered by First Bank & Trust Co., a bank founded in 1988 and based in Ardmore, OK. First Bank & Trust Co. Auto Loan is available in 1 state across the USA.

First Bank & Trust Co. Auto Loan FAQ

What APR does First Bank & Trust Co. Auto Loan offer on its auto loans?

First Bank & Trust Co. Auto Loan offers a fixed APR auto loan product but they do not disclose their rates.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

Does First Bank & Trust Co. Auto Loan charge an origination fee?

Yes, First Bank & Trust Co. Auto Loan may charge a loan origination fee.

Does First Bank & Trust Co. Auto Loan charge a late fee?

Yes, First Bank & Trust Co. Auto Loan charges borrowers with a late payment penatly fee of up to $27

Does First Bank & Trust Co. Auto Loan charge prepayment fees?

Yes, First Bank & Trust Co. Auto Loan does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my First Bank & Trust Co. Auto Loan loan?

Yes, you can. However, First Bank & Trust Co. charges a prepayment fee if you pay your auto loan early. This fee could reduce or eliminate the savings from paying the auto loan early.

What do you need to qualify for First Bank & Trust Co. Auto Loan?

First Bank & Trust Co. Auto Loan does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

First Bank & Trust Co. Auto Loan does not have or does not disclose a minimum annual income eligibility requirement. First Bank & Trust Co. Auto Loan will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via First Bank & Trust Co. Auto Loan. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by First Bank & Trust Co. Auto Loan. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Proof of income
  • Proof of insurance
  • Driver's license
  • Government issued photo ID
  • Proof of identity

Does First Bank & Trust Co. Auto Loan report your account activity to credit bureaus?

Yes, First Bank & Trust Co. Auto Loan reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 1 state
Oklahoma
Availabile in all of Oklahoma

Feature Breakdown

Late Fee Amount $27
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Cosigner
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Vehicle Type
  • Auto
  • Motorcycles
  • Boats
  • RVs
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
  • Proof of Insurance
  • Government Issued Photo ID
  • Social Security Number
  • Driver License (or other photo ID)
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Automatic Payments
  • Check by mail
  • Storefront
  • Bank Transfer
  • Cash
Pre-Approved Soft Credit Inquiry

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