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Personal Loan

  • Loans available from $1,000 to $25,000
  • Quick decision, you could receive immediate funds
  • No setup or arrangement fees
  • First City Bank & Trust Advance customers could get 10% cashback
The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
Are you eligible?

To be eligible for a Personal Loan you need to:

  • have a First City Bank & Trust or building society account with a Direct Debit facility (Channel Island and Isle of Man customers must have an First City Bank & Trust current account)
  • have an annual income/pension before tax of $10,000 or more
  • be over 18 and a resident of the UA

    • Not available for customers with a Basic First City Bank & Trust Account.

    We do not offer our Personal Loans for a number of purposes including:

  • The purchase of property or land (both US & Overseas) including holiday homes and apartments
  • Purchasing a joint stake in a property or buying out a joint owner
  • Mortgage deposit (regardless of lender or country)
  • Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees

    • In addition, our Personal Loans should not be provided for:

  • Gambling
  • Business purposes
  • Share dealing

    • Please note that this list is not exhaustive.

    Our Personal Loans are subject to status.

View details

3.3% APR Representative

for loans between $7,000 and $15,000.

First City Bank & Trust Personal Loan

  • Exclusively for First City Bank & Trust FCBT Customers
  • Loans available from $1,000 to £50,000
  • Quick decision - you could receive immediate funds
  • No set up or arrangement fees
  • Make unlimited overpayments free of charge
The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
Are you eligible?

To be eligible for a First City Bank & Trust Personal Loan you need to:

  • Hold a First City Bank & Trust Account – for further information please click here
  • You are 18 years or older
  • Your residential address is within the EU, US and ASIA

    • We do not offer First City Bank & Trust Personal Loans for a number of purposes including:

  • The purchase of property or land (both US & Overseas) including holiday homes and apartments
  • Purchasing a joint stake in a property or buying out a joint owner
  • Mortgage deposit (regardless of lender or country)
  • Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees

    • In addition, a First City Bank & Trust Personal Loan should not be provided for:

  • Gambling
  • Business purposes
  • Share dealing

    • Please note that this list is not exhaustive.

    Our First City Bank & Trust Personal Loans are subject to status.

View details

3.3% APR Representative

for loans between $7,000 and $30,000.

Graduate Loan

  • Exclusively for First City Bank & Trust current account customers within 5 years of graduating
  • Loans available from $1,000 to $25,000
  • Quick decision - you could receive immediate funds
  • No set up or arrangement fees
  • Make unlimited overpayments free of charge
The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
Are you eligible?

To apply for a Graduate Loan, you need to:

  • Have an First City Bank & Trust current account
  • Be 18 years or older and a US resident
  • Have an annual income/pension before tax of $10,000 or more
  • Be within 5 years of graduation

    • Please note, we may ask you to provide proof of your graduation when you apply.

    Available for 5 years after graduation to customers who are currently (or were previously) on our Graduate service.

View details

3.3% APR Representative

for loans between $5,000 and $25,000.

Flexiloan

  • Loans available from $500 to $5000
  • Only pay for what you use - if you don't use your Flexiloan, you don't pay anything
  • Choose your monthly repayment on your outstanding balance from 4% - 10%. Minimum payment applies
  • No set up or arrangement fees
  • Re-draw your available balance up to the limit. Once you've repaid your Flexiloan, you can redraw the available balance
The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
Are you eligible?

To apply for a Flexiloan, you need to:

  • have an First City Bank & Trust current account
  • be 18 years or older and a US resident
  • have an annual income/pension before tax of $10,000 or more
View details

17.9% APR Representative

for loans between $5,000 and $25,000.

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