Last Updated: 04/18/2025
First Bank and Trust of Texas Personal Line of Credit
Unaffiliated
Last Updated: 04/18/2025
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First Bank and Trust of Texas Personal Line of Credit Review
First Bank and Trust of Texas Personal Line of Credit is offered through 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 are available in 1 state.
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 an APR , but they do not disclose their rates.
Does the First Bank and Trust of Texas Personal Line of Credit charge an origination fee?
Yes, First Bank and Trust of Texas Personal Line of Credit charges a line of credit origination fee .Does the First Bank and Trust of Texas Personal Line of Credit charge a cash advance fee?
Yes, First Bank and Trust of Texas Personal Line of Credit may charge a fee .Does First Bank and Trust of Texas Personal Line of Credit charge a late fee?
Yes, First Bank and Trust of Texas Personal Line of Credit may charge borrowers a late payment fee of up to $35 .| Cash Advance Fee | N/A |
| Origination Fee | No |
| Prepayment Fee? | Yes |
| Late Payment Fee | $35 |
| Statement Balance Fee | No |
| Billing Cycle Charge | 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.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by First Bank and Trust of Texas Personal Line of Credit.
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 or other government photo ID
- 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 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 and Trust of Texas Personal Line of Credit allows you to check your rates with a soft credit pull.
How to apply for First Bank and Trust of Texas Personal Line of Credit
- Visit the First Bank and Trust of Texas Personal Line of Credit 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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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