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  Exchange Bank of California Personal Lines Of Credit

Exchange Bank of California Personal Lines Of Credit

in Personal Lines of Credit from Exchange Bank of California

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Exchange Bank of California Personal Lines Of Credit

Unaffiliated

in Personal Lines of Credit from Exchange Bank of California

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Highlights
Loan Amount $5,000 - $100,000
APR  (Fixed APR) 4.99% - 10.75%

Exchange Bank of California Personal Lines Of Credit Review

Exchange Bank of California Personal Lines Of Credit is offered by Exchange Bank of California, a bank founded in 1890 and based in Santa Rosa, CA. Exchange Bank of California Personal Lines Of Credit is available in 1 state across the USA.

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 a fixed APR product that ranges from 4.99% APR up to 10.75% APR.

Does Exchange Bank of California Personal Lines Of Credit charge an origination fee?

No, they do 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, they may charge a fee.

Does the Exchange Bank of California Personal Lines Of Credit charge a statement balance fee?

No, this lender does not charge a statement balance fee.

Does Exchange Bank of California Personal Lines Of Credit charge a late fee?

Yes, they 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 score, your personal line of credit will be assigned a credit limit of at least $5,000 and as much as $100,000. .

Exchange Bank of California Personal Lines Of Credit Fees
Cash Advance Fee N/A
Origination Fee No
Prepayment Fee? No
Late Payment Fee No
Statement Balance Fee 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. Exchange Bank of California Personal Lines Of Credit 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 Personal Lines Of Credit. 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 Personal Lines Of Credit. 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 Personal Lines Of Credit report your account activity to credit bureaus?

Yes, Exchange Bank of California Personal Lines Of Credit 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.

How to apply for Exchange Bank of California Personal Lines Of Credit

  • Visit the 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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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.

Contact

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

Other Services by Exchange Bank of California

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

No Origination Fee
No Prepayment Fee
Annual Fee $50
Credit Score Range 600 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Verification Documents Required
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
  • Driver License (or other photo ID)
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options Automatic Payments
APR (Fixed APR) 4.99% - 10.75%
Loan Amount $5,000 - $100,000

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