Last Updated: 04/18/2025
Exchange Bank of California Auto Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
Starting at $3,500
APR (Fixed APR)
3.79% - 9.14%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Loan Term (Months)
36 - 72
Exchange Bank of California Auto Loans Review
Exchange Bank of California Auto Loans is offered by Exchange Bank of California, a bank founded in 1890 and based in Santa Rosa, CA. Exchange Bank of California auto loans are available in 1 state.
Exchange Bank of California auto loans FAQ
How much can you borrow via Exchange Bank of California auto loans?
Exchange Bank of California auto loans loan amounts start at $3,500 .
What APR does Exchange Bank of California auto loans offer on its car loans?
Exchange Bank of California auto loans offers a fixed apr car loan product that ranges from 3.79% APR up to 9.14% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with Exchange Bank of California auto loans?
Exchange Bank of California auto loans has car loans with terms ranging from 36 to 72 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.
Does Exchange Bank of California auto loans charge an origination fee?
Yes, Exchange Bank of California auto loans may charge a loan origination fee .
Does Exchange Bank of California auto loans charge a late fee?
Yes, Exchange Bank of California auto loans charges borrowers with a late payment penatly fee
Does Exchange Bank of California auto loans charge prepayment fees?
No, Exchange Bank of California auto loans will not charge you a fee for paying your loan early. Whenever possible choose lenders like Exchange Bank of California auto loans that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Exchange Bank of California auto loans loan?
Yes, you can. Exchange Bank of California auto loans does not charge a prepayment fee, so you can save money by paying your car loan early.
What do you need to qualify for Exchange Bank of California Auto Loans?
Applicants with a credit score of at least 600 and up to 850 may be eligible for Exchange Bank of California Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Exchange Bank of California Auto Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Exchange Bank of California Auto Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
Does Exchange Bank of California Auto Loans report your account activity to credit bureaus?
Yes, Exchange Bank of California Auto Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Exchange Bank of California perform a hard credit pull?
Yes, Exchange Bank of California auto loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Exchange Bank of California a legit company?
Exchange Bank of California was founded in 1890, it is a well-established company that has been in business for 136 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Exchange Bank of California auto loans
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed