
Exchange Bank and Trust Personal Loans
in Personal Loans from Exchange Bank and Trust
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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.
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- 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.
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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 fixed APR personal loan product but they do not disclose their rates.
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.
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
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.
Contact
- Headquarters
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600 Commercial Street
PO Box 189
Atchison, KS 66002 - (913) 367-6000
- Visit Site
Other Services by Exchange Bank and Trust
Availability
Feature Breakdown
Employment Statuses Considered |
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Immigration Status Considered |
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Military Status |
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Minimum Age | 18 |
Supported Income Types |
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Verification Documents Required |
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Credit Score Range | 600 - 850 |
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