Exchange Bank and Trust Personal Loans Review

Exchange Bank and Trust Personal Loans is offered by Exchange Bank and Trust, a bank founded in 1856 and based in Atchison, KS. Exchange Bank and Trust Personal Loans is available in 1 state across the USA.

• Hard credit pull required. You can't check your rates or see if you prequalify for Exchange Bank and Trust Personal Loans without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
• Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Exchange Bank and Trust Personal Loans early.

Pros	Cons
Considers applicants with fair credit.	Charges an origination fee. Do not offer pre-approval with soft credit pull. Charges prepayment fees. Charges a late fee.

What rates and terms does Exchange Bank and Trust Personal Loans offer?

Exchange Bank and Trust Personal Loans has lower interest rates than the average for lenders reviewed on SuperMoney.

What fees does Exchange Bank and Trust Personal Loans charge?

What do you need to qualify for Exchange Bank and Trust Personal Loans?

Applicants with a credit score of at least 600 and up to 850 FICO may be eligible for Exchange Bank and Trust Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Exchange Bank and Trust Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Exchange Bank and Trust Personal 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 and Trust Personal 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 and Trust Personal 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

Exchange Bank and Trust Personal Loans Eligibility Criteria

Minimum Age	18
Bank Account Required?	No
Credit Score	600 - 850 FICO

Does Exchange Bank and Trust Personal Loans report your account activity to credit bureaus?

Yes, Exchange Bank and Trust 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.