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  Exchange Bank and Trust Personal Loans

Exchange Bank and Trust Personal Loans

in Personal Loans from Exchange Bank and Trust

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Exchange Bank and Trust Personal Loans

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in Personal Loans from Exchange Bank and Trust

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Highlights
APR  (Fixed APR) N/A
Loan Amount N/A
Loan Term (Months) N/A

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.

Key Takeaways
  • 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.
Exchange Bank and Trust Personal Loans Pros & Cons
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.
Exchange Bank and Trust Personal Loans FAQ

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 APR rate does Exchange Bank and Trust Personal Loans offer?

Exchange Bank and Trust Personal Loans offers a personal loan product but they do not disclose their rates.

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.

Exchange Bank and Trust Personal Loans Rates & Terms
Loan Amount N/A
Loan Term N/A
APR N/A

What fees does Exchange Bank and Trust Personal Loans charge?

Does Exchange Bank and Trust Personal Loans charge an origination fee?

Exchange Bank and Trust Personal Loans may charge a loan origination fee.

Does Exchange Bank and Trust Personal Loans charge a late fee?

Yes, Exchange Bank and Trust Personal Loans may charge borrowers a late payment fee.

Does Exchange Bank and Trust Personal Loans charge prepayment fees?

Yes, Exchange Bank and Trust Personal Loans may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.

Exchange Bank and Trust Personal Loans Fees
Origination Fee N/A
Prepayment Fee? Yes
Late Payment Fee N/A

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

Other Services by Exchange Bank and Trust

Availability

  Available in 1 state
Kansas
Availabile in all of Kansas

Feature Breakdown

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
  • Tax Returns
Verification Documents Required
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
  • Driver License (or other photo ID)
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Automatic Payments
  • Check by mail
  • Bank Transfer

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