Last Updated: 04/18/2025
Exchange Bank of California Unsecured Personal Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
9.75% - 19.31%(Verified 06/21/2024)
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Amount Range
$1,000 - $100,000
Loan Term (Months)
12 - 60
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 personal loan are available in 1 state.
Key Takeaways
- APRs starting at 9.75%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Exchange Bank of California Unsecured Personal Loan are on the lower end of the spectrum.
- Large loan amounts. You can apply for loan amounts of up to $100,000 with Exchange Bank of California Unsecured Personal Loan .
- 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.
Exchange Bank personal loan Pros & Cons
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Exchange Bank personal loan FAQ
What interest rates and personal loan terms does Exchange Bank personal loan offer?
What interest rates does Exchange Bank personal loan offer?
Exchange Bank personal loan offers a fixed APR personal loan product that ranges from 9.75% APR up to 19.31% APR.
How much can you borrow via Exchange Bank personal loan?
Personal loan amounts start at $1,000 and go up to $100,000
What is the maximum loan term you can get with Exchange Bank personal loan?
Exchange Bank personal loan offers loans with terms of up to 60 months.
| Personal Loan Amount | $1000 - $100000 |
| Loan Term | 12 - 60 months |
| APR | 9.75% - 19.31% |
What fees does Exchange Bank personal loan charge?
Does Exchange Bank personal loan charge an origination fee?
Exchange Bank personal loan may charge a personal loan origination fee of $60
Does Exchange Bank personal loan charge a late fee?
Exchange Bank personal loan does not disclose whether it charges late payment fees.
Does Exchange Bank personal loan charge prepayment fees?
No, Exchange Bank personal loan 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 | No |
| Late Payment Fee | No |
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.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Exchange Bank of California Unsecured Personal Loan.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Bank account information
- 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 |
Does Exchange Bank of California Unsecured Personal Loan report your account activity to credit bureaus?
Yes, Exchange Bank of California Unsecured Personal Loan 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 of California perform a hard credit pull?
Yes, Exchange Bank personal loan 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 of California Unsecured Personal Loan legit?
Exchange Bank of California was founded in 1890, it is a well-established company that has been in business for 136 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed