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  First Bank and Trust of Texas Vehicle Loan

First Bank and Trust of Texas Vehicle Loan

in Auto Loans from Heartland Financial USA Inc

Unaffiliated

First Bank and Trust of Texas Vehicle Loan

Unaffiliated

in Auto Loans from Heartland Financial USA Inc

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Highlights
Credit Score Range 580 - 840
Loan Amount N/A
APR  (Fixed APR) N/A
Loan Term (Months) N/A

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 and Trust of Texas Vehicle Loan is available in 1 state across the USA.

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. First Bank and Trust of Texas Vehicle Loan only considers borrowers who are employed. 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 and Trust of Texas 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 of Texas 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
  • Driver's license
  • 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 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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Message From First Bank and Trust of Texas Vehicle 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.

Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Late Fee Amount $35
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
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
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
  • Driver License (or other photo ID)
Credit Score Range 580 - 840
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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