|APR (Fixed APR)||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 is available in 1 state across the USA.
- 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.
What interest rates and personal loan terms does FB&T Personal Loan offer?
FB&T Personal Loan has lower interest rates than the average 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|
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?
Yes, FB&T Personal Loan may charge borrowers a late payment fee if you miss one of the monthly payments.
Does FB&T Personal Loan charge prepayment fees?
Yes, FB&T Personal Loan may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a personal loan early.
|Late Payment Fee||N/A|
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 are, of course, eligible for the services offered by FB&T Personal Loan. Permanent resident / green card holders are also eligible to apply.
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
|Bank Account Required?||No|
|Application Types Accepted||
|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:
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.
407 7th Street
Perry, OK 73077
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Other Services by FB&T
|Employment Statuses Considered||
|Immigration Status Considered||
|Joint Loan Applications Accepted||
|Supported Income Types||
|Verification Documents Required||
|Credit Score Range||580 - 840|
|Credit Bureau Reporting||
|Pre-Approved Soft Credit Inquiry|