Is First Bank and Trust of Texas Personal Loan the right fit for you?
Last Updated: 04/18/2025
First Bank and Trust of Texas Personal Loan
Unaffiliated
Last Updated: 04/18/2025
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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.
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 FICO or VantageScore.
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 a late payment fee if you miss one of the regularly scheduled 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.
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 to the following credit bureaus:
- 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 build your credit.
Does Heartland Financial USA Inc perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. First Bank and Trust of Texas Personal Loan allows you to check your rates with a soft credit pull.
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 45 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.
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Hours of Operation
SundayClosedMonday9:00AM - 4:00PMTuesday9:00AM - 4:00PMWednesday9:00AM - 4:00PMThursday9:00AM - 4:00PMFriday9:00AM - 4:00PMSaturdayClosed
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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First Bank and Trust of Texas Personal Loan Community Reviews
Would you recommend First Bank and Trust of Texas Personal Loan to your friends?
CO
Chizobam O.
Dec 5, 2022
May or may not recommend
I do not trust this bank mainly because APR, loan terms, and personal loan amounts are not provided. The only valid information shown was a minimum credit score of 500 and a maximum of 850 is acceptable, a late fee charge of $35 will be due if ever in that situation. With what has been stated I do not recommend this bank for any type of loan.
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