FB&T Personal Loan review

Getting a personal loan can be overwhelming, but FB&T is here to make it all much easier for you. Check out our full review and learn how you can get that extra cash you need to achieve your goals.


by Aline Barbosa

Published on 10/29/2022

FB&T Personal Loan: Personalized solutions that fit your budget!

FB&T Personal Loan
Learn everything you need to know about First Bank & Trust Company loans. Source: The Post New.

When looking for a personal loan, you’ll want to find a company you can trust. In this FB&T Personal Loan review, we’ll take a closer look at this institution.

FB&T Personal Loan

FB&T Personal Loan application

Learn how the FB&T Personal Loan application process works and how you can get a loan that fits your financial needs perfectly.

FBT has over 88 years of personal banking experience in the state of Oklahoma and is one of its finest financial products. 

The First Bank and Trust Company, a member of FDIC, offers a series of banking products tailored to your needs.

One of these products is their personal loan. Unlike most institutions, FB&T takes pride in creating a personal environment with their clients, so every product is tailored to their needs. 

  • APR: Not disclosed by the institution.
  • Loan Purpose: Home improvement, debt consolidation, big purchases, and more.
  • Loan Amount: Not disclosed by the institution.
  • Credit Needed: You can apply with a score of 580 or more.
  • Terms: Not disclosed.
  • Origination fee: There is none.
  • Late Fee: None.
  • Early Payoff Penalty: Not disclosed by the institution.

The loan is available for Oklahoma residents with a fair credit score and allows applicants with a cosigner, which can help with the loan’s terms and rates. 

If you want to learn more about this loan and how you can apply for it, keep reading our FB&T Personal Loan review below.

We’ll look over the loan’s main features so you can make a well-informed decision that will benefit your finances. 

FB&T Personal Loan: how does it work?

The First Bank & Trust Company, member FDIC, was formed in Perry, Oklahoma, in 1934.

The company offers an array of financial solutions to their clients for over 88 years, including personal and business loans. 

The institution does not disclose the loan amounts, as well as their annual percentage rates or terms on their website.

Instead, they offer a personalized in-person experience provided by a loan officer at a local branch to find the perfect solution for each applicant.

Loans are available for people with a FICO® Score of 580+ and it doesn’t charge origination or late payment fees.

FB&T reports all account activities to the main credit bureaus, which can help improve your credit score over time. 

Significant benefits and disadvantages you may find

FB&T Personal Loan
Are you trying to make ends meet but are unsuccessful? Check FBT financial products. Source: Freepik.

As with any financial product, there are pros and cons to taking a personal loan.

Check below to learn more about the advantages and disadvantages of our FB&T Personal Loan review.



  • Available for applicants with a fair score;
  • Reports all payments to the three main credit bureaus;
  • Personalized loans that fit your budget;
  • Accepts cosigners;
  • Member FDIC.


  • Only available for Oklahoma residents;
  • Doesn’t display much information about the loan on its website.

Is a good credit score required for applicants?

You don’t need a high credit score in order to apply for this loan. FB&T accepts applicants with a fair score and beyond.

However, you should know that loan amounts, as well as terms and rates, usually reflect your current financial situation as well as your credit history. 

Learn how to apply and get an FB&T Personal Loan

If this FB&T Personal Loan review got you interested in applying for the loan, we could help.

By following the link below, you’ll learn more about the eligibility requirements as well as the application process.

FB&T Personal Loan

FB&T Personal Loan application

Learn how the FB&T Personal Loan application process works and how you can get a loan that fits your financial needs perfectly.

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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