
Exchange Bank of California Unsecured Personal Loan
in Personal Loans from Exchange Bank of California
UnaffiliatedExchange Bank of California Unsecured Personal Loan
in Personal Loans from Exchange Bank of California
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APR (Fixed APR) | 9.75% - 19.31% |
Loan Amount | $1,000 - $100,000 |
Loan Term (Months) | 12 - 60 months |
Exchange Bank of California Unsecured Personal Loan Review
Exchange Bank of California Unsecured Personal Loan is offered by Exchange Bank of California, a bank founded in 1890 and based in Santa Rosa, CA. Exchange Bank of California Unsecured Personal Loan is available in 1 state across the USA.
- Large loan amounts. You can apply for loan amounts of up to $100,000 with Exchange Bank of California Unsecured Personal Loan.
- Hard credit pull required. You can't check your rates or see if you prequalify for Exchange Bank of California Unsecured Personal Loan without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
- Origination fees starting at $60.Origination fees are deducted from the loan amount, so take it into account when deciding how much you need to borrow.
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What rates and terms does Exchange Bank of California Unsecured Personal Loan offer?
What APR rate does Exchange Bank of California Unsecured Personal Loan offer?
Exchange Bank of California Unsecured Personal Loan offers a personal loan product that ranges from 9.75% APR up to 19.31% APR.
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.
How much can you borrow via Exchange Bank of California Unsecured Personal Loan?
Loan amounts start at $1,000 and go up to $100,000
What can a personal loan from Exchange Bank of California Unsecured Personal Loan be used for?
Personal loans from Exchange Bank of California Unsecured Personal Loan are typically used for special purchases or similar purposes.
What is the maximum loan term you can get with Exchange Bank of California Unsecured Personal Loan?
Exchange Bank of California Unsecured Personal Loan offers personal loans with terms ranging from 12 to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
Loan Amount | $1000 - $100000 |
Loan Term | 12 - 60 months |
APR | 9.75% - 19.31% |
What fees does Exchange Bank of California Unsecured Personal Loan charge?
Does Exchange Bank of California Unsecured Personal Loan charge an origination fee?
Exchange Bank of California Unsecured Personal Loan may charge a loan origination fee of $60
Does Exchange Bank of California Unsecured Personal Loan charge a late fee?
Yes, Exchange Bank of California Unsecured Personal Loan may charge borrowers a late payment fee.
Does Exchange Bank of California Unsecured Personal Loan charge prepayment fees?
No, Exchange Bank of California Unsecured Personal Loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.
Origination Fee | N/A |
Prepayment Fee? | No |
Late Payment Fee | N/A |
What do you need to qualify for Exchange Bank of California Unsecured Personal Loan?
Applicants with a credit score of at least 600 and up to 850 may be eligible for Exchange Bank of California Unsecured Personal Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.Exchange Bank of California Unsecured Personal Loan does not have or does not disclose a minimum annual income eligibility requirement. Exchange Bank of California Unsecured Personal Loan 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 of California Unsecured Personal Loan. 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 of California Unsecured Personal Loan. 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 |
Does Exchange Bank of California Unsecured Personal Loan report your account activity to credit bureaus?
Yes, Exchange Bank of California Unsecured Personal Loan 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
-
545 Fourth Street
Santa Rosa, CA 95401 - (800) 995-4066
- Visit Site
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