First Bank and Trust Company Vehicle Loan Review

First Bank and Trust Company Vehicle Loan is offered by First Bank & Trust Company, a bank founded in 1979 and based in Abingdon, VA. First Bank and Trust Company Vehicle Loan is available in 2 states across the USA.

What APR does First Bank and Trust Company Vehicle Loan offer on its car loans?

First Bank and Trust Company Vehicle Loan offers a fixed apr car 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 and Trust Company Vehicle Loan charge an origination fee?

Yes, First Bank and Trust Company Vehicle Loan may charge a loan origination fee.

Does First Bank and Trust Company Vehicle Loan charge a late fee?

Yes, First Bank and Trust Company Vehicle Loan charges borrowers with a late payment penatly fee

Does First Bank and Trust Company Vehicle Loan charge prepayment fees?

No, First Bank and Trust Company Vehicle Loan will not charge you a fee for paying your loan early. Whenever possible choose lenders like First Bank and Trust Company Vehicle Loan that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my First Bank and Trust Company Vehicle Loan loan?

Yes, you can. First Bank and Trust Company Vehicle Loan does not charge a prepayment fee, so you can save money by paying your car loan early.

What do you need to qualify for First Bank and Trust Company Vehicle Loan?

Applicants with a credit score of at least 600 and up to 840 may be eligible for First Bank and Trust Company Vehicle Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

First Bank and Trust Company Vehicle Loan does not have or does not disclose a minimum annual income eligibility requirement. First Bank and Trust Company Vehicle Loan only considers borrowers who are employed. Note that borrowers can add a cosigner or a co-borrower 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 and Trust Company Vehicle 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 and Trust Company Vehicle 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 and Trust Company Vehicle Loan report your account activity to credit bureaus?

Yes, First Bank and Trust Company Vehicle 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.