Personal Loans and Lines

Financing That Fits Your Life

Whether you want to consolidate debt, make a big purchase, renovate your home, or have another need in mind, a FirstCapital Bank of Texas personal loan, lines of credit or home improvement loan can help you make it happen. Each comes with great rates, flexible terms, and the superior customer service you can always expect from the financial partner who puts you above all.

Personal Loan

Borrow up to $10,000 or more1 for virtually any purpose with rates as low as 7.716% APR.2

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FirstCredit Line

Enjoy easy access to your money with this personal line of credit of up to $10,000 with rates as low as 5.25% APR3. Use it for overdraft protection or as a standalone line of credit and pay interest only on the amount you actually use.

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FirstCredit Line PLUS

Borrow up to $50,000 in one-lump sum with rates as low as 5.00% APR4 and use it for virtually any purpose.

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Home Improvement Loan

Secured by your home’s equity, you can borrow up to 85% of your home’s value with a competitive fixed rate5 and terms of five, 10 and 15 years, with no prepayment penalty. Get a conditional decision within two business day of applying.6

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More Ways to Help Your Business Manage Your Money

Online and Mobile Banking

You’ll also enjoy the convenience of anytime, anywhere, convenient access to your FCB accounts with our online and mobile banking.

DISCLAIMER

1Based on your credit history
2Subject to credit approval. Example based on $5,000 loan with a $25 administrative fee, 7.716% APR, and 60 monthly payments of $100.20.
3Rate listed is the Annual Percentage Rate (APR) and is subject to change at any time.  Approval of new loan applications is subject to credit qualification and income verification. Your actual APR will be based on your specific situation.  Minimum loan amount for a FirstCredit Line is $1,000 and maximum is $10,000.
4Rate listed is the Annual Percentage Rate (APR) and is subject to change at any time. Approval of new loan applications is subject to credit qualifications and income verification.  Your actual APR will be based on your specific situation.  Minimum loan amount for FirstCredit Line PLUS is $10,000.01 and maximum is $50,000.
5Estimated Example: A loan of $20,000 for 15 years at a simple interest rate of 6.24% would yield a payment amount of $171.42 per month and an annual percentage rate (APR) of 6.35%. This example payment amount does not include taxes and insurance, so the payment amount will be higher. Please consult your tax adviser about the loan interest that may be deductible. Rates are subject to change. Contact a personal banker for current rates.
6A six-day cooling off period is required by Texas law before home improvement loans may be closed. There is also a three-day right of rescission after closing before the funds may be disbursed.Disclaimer