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 is available in 1 state across the USA.

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. Exchange Bank of California Auto Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Exchange Bank of California Auto Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Exchange Bank of California Auto Loans. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

• Proof of income
• Driver's license
• 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 your account activity to the following credit reporting agencies:

• 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 improve your credit.