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  First Bank and Trust of Texas Personal Loan

First Bank and Trust of Texas Personal Loan

in Personal Loans from Heartland Financial USA Inc

Unaffiliated

First Bank and Trust of Texas Personal Loan

Unaffiliated

in Personal Loans from Heartland Financial USA Inc

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Highlights
APR  (Fixed APR) N/A
Loan Amount N/A
Loan Term (Months) N/A

First Bank and Trust of Texas Personal Loan Review

First Bank and Trust of Texas Personal Loan is offered by Heartland Financial USA Inc, a nonbank financial services provider founded in 1981 and based in Dubuque, IA. First Bank and Trust of Texas Personal Loan is available in 1 state across the USA.

Key Takeaways
    .
  • Prequalified rate. You can check your prequalified rate at Heartland Financial USA Inc 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 and Trust of Texas Personal Loan early.
First Bank and Trust of Texas Personal Loan Pros & Cons
Pros Cons
  • Considers applicants with fair credit.
  • Charges an origination fee.
  • Charges prepayment fees.
  • Charges a late fee of $35
First Bank and Trust of Texas Personal Loan FAQ

What interest rates and personal loan terms does First Bank and Trust of Texas Personal Loan offer?

First Bank and Trust of Texas Personal Loan has lower interest rates than the average for lenders reviewed on SuperMoney.

What interest rates does First Bank and Trust of Texas Personal Loan offer?

First Bank and Trust of Texas Personal Loan offers a fixed APR personal loan product but they do not disclose their interest rates.

First Bank and Trust of Texas Personal Loan Interest Rates & Loan Terms
Personal Loan Amount N/A
Loan Term N/A
APR N/A

What fees does First Bank and Trust of Texas Personal Loan charge?

Does First Bank and Trust of Texas Personal Loan charge an origination fee?

First Bank and Trust of Texas Personal Loan may charge a personal loan origination fee.

Does First Bank and Trust of Texas Personal Loan charge a late fee?

Yes, First Bank and Trust of Texas Personal Loan may charge borrowers a late payment fee if you miss one of the monthly payments of up to $35.

Does First Bank and Trust of Texas Personal Loan charge prepayment fees?

Yes, First Bank and Trust of Texas 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.

First Bank and Trust of Texas Personal Loan Fees
Origination Fee N/A
Prepayment Fee? Yes
Late Payment Fee $35

What do you need to qualify for First Bank and Trust of Texas Personal Loan?

Applicants with a credit score of at least 500 and up to 840 may be eligible for First Bank and Trust of Texas Personal Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

First Bank and Trust of Texas Personal Loan does not have or does not disclose a minimum annual income eligibility requirement. First Bank and Trust of Texas 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 and Trust of Texas 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 and Trust of Texas 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
  • Government issued photo ID
  • Proof of identity
First Bank and Trust of Texas Personal Loan Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Credit Score 500 - 840

Does First Bank and Trust of Texas Personal Loan report your account activity to credit bureaus?

Yes, First Bank and Trust of Texas 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.

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
Texas
Availabile in all of Texas

Feature Breakdown

Late Fee Amount $35
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
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)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Credit Score Range 500 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Automatic Payments
  • Check by mail
  • Storefront
  • Credit/Debit Card
  • Bank Transfer
  • Cash
Pre-Approved Soft Credit Inquiry

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