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.

• APRs starting at 9.75%. These are average starting rates for a personal loan. If you have good credit you may qualify for a loan with better rates.
• 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.

Pros	Cons
$0 prepayment fee. Considers applicants with fair credit.	Charges an origination fee. Do not offer pre-approval with soft credit pull. Charges a late fee.

What rates and terms does Exchange Bank of California Unsecured Personal Loan offer?

What fees does Exchange Bank of California Unsecured Personal Loan charge?

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
• Recent bank statements
• Driver's license
• Government issued photo ID
• Proof of identity

Exchange Bank of California Unsecured Personal Loan Eligibility Criteria

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.