Is Exchange Bank and Trust Personal Loans the right fit for you?
Last Updated: 04/18/2025
Exchange Bank and Trust Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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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 are available in 1 state.
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Exchange Bank and Trust personal loans Pros & Cons
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Exchange Bank and Trust personal loans FAQ
What interest rates and personal loan terms does Exchange Bank and Trust personal loans offer?
Exchange Bank and Trust personal loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Exchange Bank and Trust personal loans offer?
Exchange Bank and Trust personal loans offers a fixed APR personal loan product but they do not disclose their interest rates.
| Personal 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 personal loan origination fee .
Does Exchange Bank and Trust personal loans charge a late fee?
Exchange Bank and Trust personal loans does not disclose whether it charges late payment fees.
Does Exchange Bank and Trust personal loans charge prepayment fees?
No, Exchange Bank and Trust personal loans 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 Exchange Bank and Trust Personal Loans?
Applicants with a credit score of at least 600 and up to 850 VantageScore 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.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Exchange Bank and Trust Personal Loans.
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
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | 600 - 850 VantageScore |
Does Exchange Bank and Trust Personal Loans report your account activity to credit bureaus?
Yes, Exchange Bank and Trust Personal Loans 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 and Trust perform a hard credit pull?
Yes, Exchange Bank and Trust personal loans 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.
Are Exchange Bank and Trust Personal Loans legit?
Exchange Bank and Trust was founded in 1856, it is a well-established company that has been in business for 170 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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.
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Hours of Operation
SundayClosedMonday8:00AM - 5:00PMTuesday8:00AM - 5:00PMWednesday8:00AM - 5:00PMThursday8:00AM - 5:00PMFriday8:00AM - 5:00PMSaturdayClosed
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