Borrower Eligibilty Will I be eligible for a Loan? Why was I disqualified? Can First Federal Bank of Kansas City make exceptions for unique situations? Can I use a cosigner? What are the minimum credit requirements to receive a loan? See all articles › Applying for a Loan How does applying for a loan affect my credit? When and how do I receive my loan funds? What is the range of interest rates offered on loans and what is the difference between APR and interest rate? Can I change my loan application after it has been submitted? What can I use the loan proceeds for? See all articles › Verification How do I get my transcript? Can I use my household or spousal income? What documentation will verify my income? Can I increase my loan amount after I have accepted my loan terms? What is considered income? See all articles › Making a Loan Payment How can I delete an old bank account? Can I split my monthly payment into two or more installments? Does First Federal Bank of Kansas City charge a prepayment fee or penalty? What portion of my payment is interest vs. principal? What are my payment obligations? See all articles › About FFBKC and Upstart What is Upstart? How can I contact First Federal Bank of Kansas City? See all articles › Popular questions Does First Federal Bank of Kansas City charge a prepayment fee or penalty? Will I be eligible for a Loan? What are the minimum credit requirements to receive a loan? When and how do I receive my loan funds? What is Upstart? Can I split my monthly payment into two or more installments?