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First Citizens Bank
First Citizens Personal Loan
4.4(109 reviews)
FC unsecured personal loan with 7-year max term. Rate range 10–13% p.a. (midpoint shown). Max TT$300,000.
Interest Rate
11.5%
Loan Range
TT$3,000–TT$300,000
Tenure
12–84 mo
Processing Fee
0.75%
Features
- 7-year max term
- Lowest processing fee
- Loan top-up available
- Branch network
Strengths
- Longest unsecured tenure (7 yrs)
- Lower processing fee
- Lower income threshold
Trade-Offs
- Small early-repayment penalty
- Manual paperwork at some branches
Eligibility
21-65, minimum income TT$3,500/mo, employed 6+ months
Customer Reviews
Trisha P.
Good but app needs work
Product is great, online portal could be more modern.
Devon M.
Great rate but paperwork
The interest rate is unbeatable, but be prepared for some back-and-forth on documents.
Marlon J.
Solid card
Rewards are real and applied automatically. Annual fee is worth it if you spend over TT$3,000/month.