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  First Bank & Trust Co. Personal Loan
First Bank & Trust Co. Personal Loan
in Personal Loans from First Bank & Trust Co.
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First Bank & Trust Co. Personal Loan

Unaffiliated
in Personal Loans from First Bank & Trust Co.
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Highlights
APR  (Fixed APR) N/A
Loan Amount N/A
Loan Term (Months) N/A

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. FB247 loan are available in 1 state across the USA.

Key Takeaways

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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.

FB247 loan Pros & Cons

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

FB247 loan FAQ

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 interest rates does FB247 loan offer?

FB247 loan offers a fixed APR personal loan product but they do not disclose their interest rates.

FB247 loan Interest Rates & Loan Terms
Personal Loan Amount N/A
Loan Term N/A
APR N/A

What fees does FB247 loan charge?

Does FB247 loan charge an origination fee?

FB247 loan may charge a personal loan origination fee.

Does FB247 loan charge a late fee?

Yes, FB247 loan may charge borrowers a late payment fee if you miss one of the monthly payments of up to $27.

Does FB247 loan charge prepayment fees?

No, FB247 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.

FB247 loan Fees
Origination Fee No
Prepayment Fee N/A
Late Payment Fee $27

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 and permanent resident / green card holders are eligible to apply for the services offered by First Bank & Trust Co. Personal Loan.

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.

Are First Bank & Trust Co. Personal Loan legit?

First Bank & Trust Co. was founded in 1988, it is a well-established company that has been in business for 35 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

SuperMoney Disclosure: SuperMoney.com 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.

Availability

  Available in 1 state
Oklahoma
Availabile in all of Oklahoma

Feature Breakdown

Late Fee Amount $27
Accepts Savings Accounts
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 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
  • Recent Bank Statements
  • Social Security Number
Credit Score Range 630 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Automatic Payments
  • Check by mail
  • Storefront
  • Credit/Debit Card
  • Cash
  • Bank Transfer
Pre-Qualified Soft Credit Inquiry
APR Type Fixed APR

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