First Bank & Trust Co. Personal Loan Review

First Bank & Trust Co. Personal Loan is offered by First Bank & Trust Co., a bank founded in 1988 and based in Ardmore, OK. First Bank & Trust Co. Personal Loan is available in 1 state across the USA.

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• Prequalified rate. You can check your prequalified rate at First Bank & Trust Co. 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 First Bank & Trust Co. Personal Loan early.

Pros	Cons
Considers applicants with fair credit.	Charges an origination fee. Charges prepayment fees. Charges a late fee of $27

What interest rates and personal loan terms does FB247 loan offer?

FB247 loan has lower than average interest rates for lenders reviewed on SuperMoney.

What fees does FB247 loan charge?

What do you need to qualify for First Bank & Trust Co. Personal Loan?

Applicants with a credit score of at least 630 and up to 840 may be eligible for First Bank & Trust Co. Personal Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

First Bank & Trust Co. Personal Loan does not have or does not disclose a minimum annual income eligibility requirement. First Bank & Trust Co. Personal Loan only considers borrowers who are employed.

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 & Trust Co. 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 First Bank & Trust Co. 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
• Recent bank statements
• Driver's license
• Government issued photo ID
• Proof of identity

FB247 loan Eligibility Criteria

Minimum Age	18
Bank Account Required?	No
Credit Score	630 - 840

Does First Bank & Trust Co. Personal Loan report your account activity to credit bureaus?

Yes, First Bank & Trust Co. 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.