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.

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.