Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
7.49% - 22.49%(Verified 06/21/2024)
Amount Range
$5,000 - $50,000
Loan Term (Months)
36 - 72
Jenius Bank Personal Loans Review
Jenius Bank Personal Loans is offered by SMBC MANUBANK, a bank founded in 1962 and based in Los Angeles, CA. Jenius Bank Personal Loans are available in 50 states and Washington, DC.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.
- Large loan amounts. You can apply for loan amounts of up to $50,000 with Jenius Bank Personal Loans .
- No origination fee. Jenius Bank Personal Loans does not charge a loan origination fee.
- No late fees. Jenius Bank Personal Loans will not charge additional fees if you miss the due date on a payment.
- Super long loan terms. Jenius Bank Personal Loans offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
Jenius Bank Personal Loans Pros & Cons
| Pros | Cons |
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Jenius Bank Personal Loans FAQ
What interest rates and personal loan terms does Jenius Bank Personal Loans offer?
Jenius Bank Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Jenius Bank Personal Loans offer?
Jenius Bank Personal Loans offers a variable APR personal loan product that ranges from 7.49% APR up to 22.49% APR.
How much can you borrow via Jenius Bank Personal Loans?
Personal loan amounts start at $5,000 and go up to $50,000
What is the maximum loan term you can get with Jenius Bank Personal Loans?
Jenius Bank Personal Loans offers loans with terms of up to 72 months.
| Personal Loan Amount | $5000 - $50000 |
| Loan Term | 36 - 72 months |
| APR | 7.49% - 22.49% |
What fees does Jenius Bank Personal Loans charge?
Does Jenius Bank Personal Loans charge an origination fee?
Jenius Bank Personal Loans does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does Jenius Bank Personal Loans charge a late fee?
No, Jenius Bank Personal Loans will not charge you a late fee if you miss payments.
Does Jenius Bank Personal Loans charge prepayment fees?
No, Jenius Bank 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 | No |
| Late Payment Fee | No |
What do you need to qualify for Jenius Bank Personal Loans?
Jenius Bank Personal Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Jenius Bank 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 Jenius Bank Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Jenius Bank Personal Loans report your account activity to credit bureaus?
Yes, Jenius Bank 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 SMBC MANUBANK perform a hard credit pull?
Yes, Jenius Bank 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 Jenius Bank Personal Loans legit?
SMBC MANUBANK was founded in 1962, it is a well-established company that has been in business for 64 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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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.
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
9:30AM - 4:00PM
Tuesday
9:30AM - 4:00PM
Wednesday
9:30AM - 4:00PM
Thursday
9:30AM - 4:00PM
Friday
9:30AM - 4:00PM
Saturday
Closed