
Capital Bank Personal Loans
Would you recommend Capital Bank Personal Loans to your friends?
Community Rating |
Rating not yet determined |
APR (Fixed APR) |
4.50% - 10.00% (Verified 08/04/2023) |
Loan Amount | Starting at $10 |
Loan Term (Months) | 48 - 60 months |
Capital Bank Personal Loans Review
Capital Bank Personal Loans is offered by Capital Bank, a bank founded in 1995 and based in Albany, NY. Capital Bank personal loan are available in 2 states across the USA.
Key Takeaways
- APRs starting at 4.50%. Personal loan interest rates typically range between 5% and 36%. The starting rates for Capital Bank Personal Loans are on the lower end of the spectrum.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Capital Bank Personal Loans early.
- No origination fee. Capital Bank Personal Loans does not charge a loan origination fee.
Capital Bank personal loan Pros & Cons
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Capital Bank personal loan FAQ
What interest rates and personal loan terms does Capital Bank personal loan offer?
Capital Bank personal loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Capital Bank personal loan offer?
Capital Bank personal loan offers a fixed APR personal loan product that ranges from 4.50% APR up to 10.00% APR.
How much can you borrow via Capital Bank personal loan?
Personal loan amounts start at $10.
What is the maximum loan term you can get with Capital Bank personal loan?
Capital Bank personal loan offers loans with terms of up to 60 months.
Personal Loan Amount | Starting at $10,000 |
Loan Term | 48 - 60 months |
APR | 4.50% - 10.00% |
What fees does Capital Bank personal loan charge?
Does Capital Bank personal loan charge an origination fee?
Capital Bank personal loan does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, go with lenders that don’t charge origination fees.
Does Capital Bank personal loan charge a late fee?
No, Capital Bank personal loan will not charge you a late fee if you miss one of the monthly payments.
Does Capital Bank personal loan charge prepayment fees?
No, Capital Bank personal loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
Origination Fee | No |
Prepayment Fee | N/A |
Late Payment Fee | No |
What do you need to qualify for Capital Bank Personal Loans?
Applicants with a credit score of at least 674 and up to 740 FICO may be eligible for Capital Bank Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.Capital Bank Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Capital Bank Personal Loans only considers borrowers who are employed.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Capital Bank Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking or savings account
- Driver's license
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
Minimum Age | 18 |
Bank Account Required? | Yes |
Credit Score | 674 - 740 FICO |
Does Capital Bank Personal Loans report your account activity to credit bureaus?
Yes, Capital Bank Personal 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.
Are Capital Bank Personal Loans legit?
Capital Bank was founded in 1995, it is a well-established company that has been in business for 28 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Contact
- Headquarters
-
132 State Streen
Albany, NY 12207 USA - (800) 836-3711
- Visit Site
- Email Support
Other Services by Capital Bank
Availability
- New York
- Pennsylvania
Capital Bank Personal Loans Community Reviews
Would you recommend Capital Bank Personal Loans to your friends?
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