First Bank Personal Loan

First Bank Personal Loan

in Personal Loans from First Bank


First Bank Personal Loan


in Personal Loans from First Bank

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First Bank Personal Loan Review

First Bank Personal Loan is offered by First Bank, a bank founded in 1906 and based in Creve Coeur, MO. First Bank Personal Loan is available in 3 states across the USA.

Key Takeaways
  • Prequalified rate. You can check your prequalified rate at First Bank 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 Personal Loan early.
  • Cosigner applications accepted. Applying for First Bank Personal Loan with a cosigner can improve your chances of approval and help you qualify for lower interest rates.
First Bank personal loan Pros & Cons
Pros Cons
  • Considers applicants with fair credit.
  • Cosigners accepted.
  • Charges an origination fee.
  • Charges prepayment fees.
  • Charges a late fee.
First Bank personal loan FAQ

What interest rates and personal loan terms does First Bank personal loan offer?

First Bank personal loan has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does First Bank personal loan offer?

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

First Bank personal loan Interest Rates & Loan Terms
Personal Loan Amount N/A
Loan Term N/A

What fees does First Bank personal loan charge?

Does First Bank personal loan charge an origination fee?

First Bank personal loan may charge a personal loan origination fee.

Does First Bank personal loan charge a late fee?

Yes, First Bank personal loan may charge borrowers a late payment fee if you miss one of the monthly payments.

Does First Bank personal loan charge prepayment fees?

Yes, First Bank 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 personal loan Fees
Origination Fee No
Prepayment Fee Yes
Late Payment Fee No

What do you need to qualify for First Bank Personal Loan?

Applicants with a credit score of at least 600 and up to 840 may be eligible for First Bank Personal Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

First Bank Personal Loan does not have or does not disclose a minimum annual income eligibility requirement. First Bank Personal Loan only considers borrowers who are employed. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

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 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 Personal Loan. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of identity
First Bank personal loan Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Cosigners
  • Credit Score 600 - 840

    Does First Bank Personal Loan report your account activity to credit bureaus?

    Yes, First Bank 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: 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.


      Available in 3 states
    • California
    • Illinois
    • Missouri

    Feature Breakdown

    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Cosigner
    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
    • 1099 Misc. Income
    • Tax Returns
    Verification Documents Required
    • Proof of Income
    • Proof of Identity
    • Government Issued Photo ID
    • Social Security Number
    • Driver License (or other photo ID)
    Credit Score Range 600 - 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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