Last Updated: 04/18/2025
Exchange Bank of California Personal Lines Of Credit
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
$5,000 - $100,000
APR (Fixed APR)
4.99% - 10.75%(Verified 06/21/2024)
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Exchange Bank of California Personal Lines Of Credit Review
Exchange Bank of California Personal Lines Of Credit is offered through Exchange Bank of California, a bank founded in 1890 and based in Santa Rosa, CA. Exchange Bank of California Personal Lines Of Credit are available in 1 state.
Exchange Bank of California Personal Lines Of Credit FAQ
What APRs does Exchange Bank of California Personal Lines Of Credit offer?
Exchange Bank of California Personal Lines Of Credit offers an APR that ranges from 4.99% APR up to 10.75% APR.
Does the Exchange Bank of California Personal Lines Of Credit charge an origination fee?
No, Exchange Bank of California Personal Lines Of Credit does not charge an origination fee.
An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.
Does the Exchange Bank of California Personal Lines Of Credit charge a cash advance fee?
Yes, Exchange Bank of California Personal Lines Of Credit may charge a fee .Does Exchange Bank of California Personal Lines Of Credit charge a late fee?
Yes, Exchange Bank of California Personal Lines Of Credit may charge borrowers a late payment fee .How much can you borrow via Exchange Bank of California Personal Lines Of Credit?
Upon approval and based on your credit worthiness, your Exchange Bank of California Personal Lines Of Credit personal line of credit will be assigned a credit limit of at least $5,000 and as much as $100,000. .
| Cash Advance Fee | N/A |
| Origination Fee | No |
| Prepayment Fee? | No |
| Late Payment Fee | No |
| Statement Balance Fee | No |
| Billing Cycle Charge | No |
What do you need to qualify for Exchange Bank of California Personal Lines Of Credit?
Applicants with a credit score of at least 600 and up to 850 may be eligible for Exchange Bank of California Personal Lines Of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Exchange Bank of California Personal Lines Of Credit 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 Personal Lines Of Credit.
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 Personal Lines Of Credit report your account activity to credit bureaus?
Yes, Exchange Bank of California Personal Lines Of Credit 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 Personal Lines Of Credit 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.
How to apply for Exchange Bank of California Personal Lines Of Credit
- Visit the Exchange Bank of California Personal Lines Of Credit website.
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
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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