
FB&T Personal Loan
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APR (Fixed APR) | N/A |
Loan Amount | N/A |
Loan Term (Months) | N/A |
FB&T Personal Loan Review
FB&T Personal Loan is offered by FB&T, a bank founded in 1934 and based in Perry, OK. FB&T Personal Loan are available in 1 state across the USA.
Key Takeaways
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- Prequalified rate. You can check your prequalified rate at FB&T with a soft pull that will not affect your credit score.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your FB&T Personal Loan early.
- Cosigner applications accepted. Applying for FB&T Personal Loan with a cosigner can improve your chances of approval and help you qualify for lower interest rates.
FB&T personal loan Pros & Cons
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FB&T personal loan FAQ
What interest rates and personal loan terms does FB&T personal loan offer?
FB&T personal loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does FB&T personal loan offer?
FB&T personal loan offers a fixed APR personal loan product but they do not disclose their interest rates.
Personal Loan Amount | N/A |
Loan Term | N/A |
APR | N/A |
What fees does FB&T personal loan charge?
Does FB&T personal loan charge an origination fee?
FB&T personal loan may charge a personal loan origination fee.
Does FB&T personal loan charge a late fee?
No, FB&T personal loan will not charge you a late fee if you miss one of the monthly payments.
Does FB&T personal loan charge prepayment fees?
No, FB&T personal loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
Origination Fee | No |
Prepayment Fee | N/A |
Late Payment Fee | No |
What do you need to qualify for FB&T Personal Loan?
Applicants with a credit score of at least 580 and up to 840 may be eligible for FB&T Personal Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.FB&T Personal Loan does not have or does not disclose a minimum annual income eligibility requirement. FB&T Personal 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 FB&T Personal Loan. Their rates fall within the limits of The Military Lending Act.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by FB&T Personal Loan.
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
Minimum Age | 18 |
Bank Account Required? | No |
Application Types Accepted |
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Credit Score | 580 - 840 |
Does FB&T Personal Loan report your account activity to credit bureaus?
Yes, FB&T Personal 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.
Is FB&T a legit company?
FB&T was founded in 1934, it is a well-established company that has been in business for 89 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Availability
Feature Breakdown
Cosigner Optional | |
Employment Statuses Considered |
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Immigration Status Considered |
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Joint Loan Applications Accepted |
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Military Status |
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Minimum Age | 18 |
Supported Income Types |
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Verification Documents Required |
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Credit Score Range | 580 - 840 |
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