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  First Bank and Trust of Texas Personal Line of Credit

First Bank and Trust of Texas Personal Line of Credit

in Personal Lines of Credit from Heartland Financial USA Inc

Unaffiliated

First Bank and Trust of Texas Personal Line of Credit

Unaffiliated

in Personal Lines of Credit from Heartland Financial USA Inc

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Highlights
Loan Amount N/A
APR  (Fixed APR) N/A

First Bank and Trust of Texas Personal Line of Credit Review

First Bank and Trust of Texas Personal Line of Credit 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 Personal Line of Credit is available in 1 state across the USA.

First Bank and Trust of Texas Personal Line of Credit FAQ

What APRs does First Bank and Trust of Texas Personal Line of Credit offer?

First Bank and Trust of Texas Personal Line of Credit offers a fixed APR product, but they do not disclose their rates.

Does First Bank and Trust of Texas Personal Line of Credit charge an origination fee?

Yes, they charge a line of credit origination fee.

Does the First Bank and Trust of Texas Personal Line of Credit charge a cash advance fee?

Yes, they may charge a fee.

Does the First Bank and Trust of Texas Personal Line of Credit charge a statement balance fee?

No, this lender does not charge a statement balance fee.

Does First Bank and Trust of Texas Personal Line of Credit charge a late fee?

Yes, they may charge borrowers a late payment fee of up to $35 .

First Bank and Trust of Texas Personal Line of Credit Fees
Cash Advance Fee N/A
Origination Fee No
Prepayment Fee? Yes
Late Payment Fee $35
Statement Balance Fee No

What do you need to qualify for First Bank and Trust of Texas Personal Line of Credit?

Applicants with a credit score of at least 500 and up to 840 may be eligible for First Bank and Trust of Texas Personal Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

First Bank and Trust of Texas Personal Line of Credit does not have or does not disclose a minimum annual income eligibility requirement. First Bank and Trust of Texas Personal Line of Credit will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

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 Personal Line of Credit. 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 Personal Line of Credit. Permanent resident / green card holders are also eligible to apply.

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

  • Applicants must have an active and valid personal checking account
  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of identity

Does First Bank and Trust of Texas Personal Line of Credit report your account activity to credit bureaus?

Yes, First Bank and Trust of Texas Personal Line of Credit 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.

How to apply for First Bank and Trust of Texas Personal Line of Credit

  • Visit the website.
  • Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
  • Check the information is accurate and submit your application.
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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
Texas
Availabile in all of Texas

Feature Breakdown

Late Fee Amount $35
Checking Account Required
Credit Score Range 500 - 840
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
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
Verification Documents Required
  • Proof of Income
  • Proof of Identity
  • 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
  • Credit/Debit Card
  • Bank Transfer
  • Cash
Pre-Approved Soft Credit Inquiry

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