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Last Updated: 04/18/2025

First Bank and Trust of Texas Vehicle Loan

in Auto Loans from Heartland Financial USA Inc

Last Updated: 04/18/2025

First Bank and Trust of Texas Vehicle Loan logo
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Amount Range

N/A

APR (Fixed APR)

N/A

Credit Score Range

580 - 840

Loan Term (Months)

N/A
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First Bank and Trust of Texas Vehicle Loan Review

First Bank and Trust of Texas Vehicle Loan is offered by Heartland Financial USA Inc, a nonbank financial services provider founded in 1981 and based in Dubuque, IA. First Bank auto loan are available in 1 state.

First Bank auto loan FAQ

What APR does First Bank auto loan offer on its car loans?

First Bank auto 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 auto loan charge an origination fee?

Yes, First Bank auto loan may charge a loan origination fee .

Does First Bank auto loan charge a late fee?

Yes, First Bank auto loan charges borrowers with a late payment penatly fee of up to $35

Does First Bank auto loan charge prepayment fees?

Yes, First Bank 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 auto loan loan?

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

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

Applicants with a credit score of at least 580 and up to 840 may be eligible for First Bank and Trust of Texas Vehicle Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
First Bank and Trust of Texas Vehicle Loan does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by First Bank and Trust of Texas Vehicle Loan.
To qualify, applicants may need to provide the following documentation:
  • Recent pay stubs
  • Proof of income
  • Driver's license or other government photo ID
  • Government issued photo ID
  • Proof of identity

Does First Bank and Trust of Texas Vehicle Loan report your account activity to credit bureaus?

Yes, First Bank and Trust of Texas Vehicle Loan reports to the following credit bureaus:
  • 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 build your credit.

Does Heartland Financial USA Inc perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.
First Bank auto loan allows you to check your rates with a soft credit pull.

Is Heartland Financial USA Inc a legit company?

Heartland Financial USA Inc was founded in 1981, it is a well-established company that has been in business for 45 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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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.

First Bank and Trust of Texas Vehicle Loan logo

Message from First Bank auto loan

Take advantage of life’s opportunities with a Personal Loan. A Personal Loan provides you with the opportunity to utilize funds in almost any manner. Whether you are financing your next adventure or making a long awaited big purchase, we can help.

Contact

Headquarters

1398 Central Avenue
Dubuque, IA 52001
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 4:00PM
Saturday
Closed

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