
First Bank and Trust of Texas Personal Loan
Would you recommend First Bank and Trust of Texas Personal Loan to your friends?
Community Rating |
Rating not yet determined |
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 are available in 1 state across the USA.
Key Takeaways
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- 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
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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 than average interest rates 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.
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?
No, First Bank and Trust of Texas Personal 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.
Origination Fee | No |
Prepayment Fee | N/A |
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 and permanent resident / green card holders are eligible to apply for the services offered by First Bank and Trust of Texas Personal Loan.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Government issued photo ID
- Proof of identity
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.
Are First Bank and Trust of Texas Personal Loan legit?
Heartland Financial USA Inc was founded in 1981, it is a well-established company that has been in business for 42 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Contact
- Headquarters
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1398 Central Avenue
Dubuque, IA 52001 USA - Visit Site
- Email Support
Other Services by Heartland Financial USA Inc
Availability
First Bank and Trust of Texas Personal Loan Community Reviews
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