You can watch a thematic videoThe Pros and Cons of Personal Loans
Offer is valid on new accounts only. To qualify, company must spend $3,000 within the first three months of account opening to receive the bonus. 10,000 bonus points will be credited within 60 days of qualification under the description: Commercial Spend Bonus.
Base Rewards Tier: Earns (i) one (1) point for each dollar you spend for net retail purchases (gross retail purchases less any returns or credits), (ii) three (3) points for each dollar you spend for net retail purchases in the follow rewards category: gas stations (2 additional points on top of the 1 point per dollar earned on net retail purchases), (iii) two (2) points for each dollar you spend for net retail purchases in the following rewards categories: restaurants and travel (airlines, auto rental, and lodging) (1 additional point on top of the 1 point per dollar earned on net retail purchases).
Rewards Categories: Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.
Businesses may earn up to 10,000 points per calendar month, excluding bonus points. Points earned are available for redemption for a 3 year term. Points expiring during the year will be cleared from the Program Account on the last day of the month in which they expire.
Businesses in the Base Rewards Tier may redeem points for (i) cash back to a First Citizens checking or savings account or credit card statement credits, (ii) credit towards a First Citizens personal loan or mortgage principal, (iii) Pay Me Back statement credits, (iv) travel rewards, including airline tickets, hotel, car rentals, cruises and tours, (v) retail gift cards and certificates and (vi) merchandise and (vii) donations.
These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible via the program website at FirstCitizensRewards.com at log in.
Program Rules are subject to change or cancellation without notice.
You'll usually receive an accept, decline or refer decision by email within 5 minutes.
You'll receive an personal loan through bank with a decision by 7.30am.
This means that we need our underwriting team to look at your application and we documents needed to open business checking account chase need more information from you. You'll receive an accept or decline email within 2 working days of the additional information being provided.
Once your application is accepted we'll send you a code by first class post. You'll need to enter it online to release your loan funds
Once released, your loan funds will be in your chosen bank account within 2 working days.
Your loan repayment will be taken by Direct Debit each month. Your first repayment will be taken on the 1st of the month following your application. Once you have made your first repayment, you can change your repayment date to suit you, any time between the 1st and 28th of the month. Simply call us on 0800 876 6386 to arrange. Your repayment amount is fixed and won’t change for the life of your loan.
Every year on the date you opened your loan, you’ll be sent a statement confirming details of the repayments you’ve made.
You can make unlimited overpayments at any time before your final repayment is due or you can repay your loan in full. You can find out how to do this in your agreement.
You can see information about your Personal Loan personal loan through bank both Online and Mobile Banking. If you’ve never used it before, you’ll need to sign up first.
Find out more about Online Banking
Find out more about Mobile Banking
If you want to borrow more you can top up your loan. In this case your new loan will pay off your existing loan and you will continue to make one monthly repayment. You can personal loan through bank arrange this in branch or over the phone.
You don’t have to pay off your loan to borrow more. You can keep your original loan and take out a second one, in this case you will have two separate loan repayments to make.
You can repay your loan in full or make overpayments any time before the final payment is due. Take a look at our repaying your loan early page to learn more.
You can request a settlement figure by calling us on 0800 028 4055. We will send you a breakdown of the settlement figure including any charges associated with early settlement.
Please speak to us in branch or call us on 0800 028 4055 as we can assess your borrowing needs and may be able to find a solution for you.
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