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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• Prequalifed 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 rates and terms does First Bank & Trust Co. Personal Loan offer?

First Bank & Trust Co. Personal Loan has lower interest rates than the average for lenders reviewed on SuperMoney.

What fees does First Bank & Trust Co. Personal 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
• Driver's license
• Government issued photo ID
• Proof of identity

First Bank & Trust Co. Personal 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.