FB&T Personal Loan
FB&T Personal Loan
in Personal Loans from FB&T

FB&T Personal Loan

in Personal Loans from FB&T
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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

  • 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

Pros Cons
  • Considers applicants with fair credit.
  • Cosigners accepted.
  • Charges an origination fee.
  • Charges prepayment fees.
  • Charges a late fee.

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.

FB&T personal loan Interest Rates & Loan Terms
Personal Loan Amount N/A
Loan Term 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.

FB&T personal loan Fees
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
FB&T personal loan Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Cosigners
  • 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.

    SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
    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.


      Available in 1 state
    Availabile in all of Oklahoma

    Feature Breakdown

    Cosigner Optional
    Employment Statuses Considered
    • Other
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    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
    Verification Documents Required
    • Driver License (or other photo ID)
    • Recent Pay Stubs
    • Proof of Income
    • Proof of Identity
    • Government Issued Photo ID
    • Social Security Number
    Credit Score Range 580 - 840
    Credit Bureau Reporting
    • Experian
    • Equifax
    • TransUnion
    Payment Options
    • Automatic Payments
    • Check by mail
    • Storefront
    • Cash
    • Bank Transfer
    Pre-Qualified Soft Credit Inquiry
    APR Type Fixed APR

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