| Bank Branch | Loan Name | Eligibility Criteria | Rates (APR as of Feb 2026) |
|---|---|---|---|
| First Community Bank TN | New/Used Car Loans | Credit approval, proof of income, vehicle as collateral | Competitive fixed rates, starting ~5-8% |
| First Community Bank TN | Unsecured Loans | Credit approval, stable income, debt-to-income <40% | Fixed rates ~8-12% |
| First Community Bank TN | Home Improvement Loans | Homeownership, credit score >650, equity | ~6-9% fixed |
| First Community Credit Union MO | Vacation/Holiday Loan | Membership, credit approval | As low as 9.00% (up to 12 months) |
| First Community Credit Union MO | Member's Choice (Signature) | Membership, credit score >660 | As low as 10.45% (up to 60 months) |
| First Community Bank SC/GA | FHA/USDA/VA Loans | First-time buyers, veterans, rural eligibility | Market rates ~5.5-7% |
| First Community Bank AR/MO | Consumer Loans (RV/Boat) | Credit approval, collateral | Competitive, ~6-10% |
| First Community Bank TX | Debt Consolidation | Income verification, credit check | Tailored ~7-11% |
First Community Bank offers diverse loan products across its branches in Tennessee, Missouri, South Carolina, Georgia, Arkansas, and Texas, focusing on personal, home, and consumer needs. Rates and eligibility vary by location and credit profile, with all loans subject to approval. This table summarizes key options; contact local branches for personalized quotes.
1. New and Used Car Loans
New and used car loans from First Community Bank TN finance vehicle purchases with competitive fixed rates and local decision-making for quick approvals. Eligibility requires credit approval, proof of income, and the vehicle as collateral, typically needing a debt-to-income ratio under 45%. Terms extend up to 72 months, with rates starting around 5-8% APR based on creditworthiness.
2. Unsecured Loans
Unsecured personal loans provide funds without collateral, ideal for debt consolidation or emergencies at First Community Bank branches. Applicants need strong credit (score >660), stable employment, and income verification to qualify. Rates range from 8-12% APR over terms up to 60 months, with faster processing due to local underwriting.
3. Home Improvement Loans
These loans support renovations, often secured by home equity, available through First Community Bank TN and similar branches. Eligibility includes homeownership, credit score above 650, and sufficient equity (at least 20%). Fixed rates hover at 6-9% APR, with flexible terms up to 10 years for manageable payments.
4. Home Equity Loans
Home equity loans allow borrowing against property value for large expenses, offered by multiple First Community locations. Borrowers must own a home with at least 15-20% equity post-loan, good credit (>680), and verifiable income. Rates are competitive at 6-8% fixed APR, with lump-sum payouts and terms to 20 years.
5. Vacation/Holiday Loans
First Community Credit Union in Missouri specializes in short-term Vacation/Holiday Loans for seasonal spending. Membership in the credit union, credit approval, and minimal documentation qualify most applicants. APR starts as low as 9.00% for terms up to 12 months, making it affordable for quick needs.
6. Member's Choice Signature Loan
This flexible signature loan from First Community CU covers personal expenses without collateral. Eligibility demands credit union membership, score >660, and debt-to-income below 40%. Rates begin at 10.45% APR for up to 60 months, with local processing for speed.
7. FHA, USDA, and VA Loans
Government-backed mortgages through First Community Bank SC/GA assist first-time buyers, veterans, and rural properties. Eligibility follows federal guidelines: income limits for USDA, service records for VA, or credit >620 for FHA. Rates align with market at 5.5-7% APR, often with low or no down payments.
8. Consumer Loans (RV, Boat, ATV)
Consumer loans finance recreational vehicles at branches like First Community Bank AR/MO with tailored terms. Credit approval, collateral (vehicle), and income proof are standard requirements. Competitive rates of 6-10% APR apply, with quick local approvals for new or used purchases.
9. Debt Consolidation Loans
First Community Bank TX offers consolidation to simplify payments and reduce rates. Applicants need credit checks, stable income, and total debt under manageable levels. Rates range 7-11% APR, often lowering overall costs compared to credit cards.
10. First-Time Homebuyer Programs
Programs like those at First Community Bank target new buyers with minimal costs and no PMI. No home ownership in past three years, plus credit/income review qualify borrowers. Fixed rates around 6.50% for 30-year terms, with 0-10% down payments.
First Community Bank's loan portfolio emphasizes accessibility, with local decisions speeding up approvals across personal, auto, home, and specialty products. Eligibility generally hinges on credit scores (650+ ideal), income stability, and debt ratios under 40-45%, varying by product. Rates remain competitive, often fixed, influenced by Fed trends—shop branches for exact quotes as of February 2026. Unsecured options suit quick needs, while secured loans offer lower rates for larger sums. Always review terms, as all require approval and may include fees. For Kenyan residents or similar markets, note these are U.S.-focused; local adaptations via community banks could mirror structures for property maintenance financing
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