How to apply for the Exchange Bank Of California Unsecured Personal Loan?
Learn how the Exchange Bank Of California Unsecured Personal Loan application works and how to borrow up to $100,000 at fixed rates and flexible terms.
by Aline Augusto
Exchange Bank Of California Unsecured Personal Loan application: borrow up to $100,000
If you need some extra cash to achieve your goals, read this post and learn how to apply for the Exchange Bank Of California Unsecured Personal Loan.
Exchange Bank Of California offers unsecured personal loans, which means it doesn’t require collateral.
A personal loan can be used to consolidate debt, cover an emergency or an unexpected situation, or even pay for a large purchase.
Also, loan amounts range from $1,000 to $100,000. And rates are fixed. Therefore, monthly payments will be fixed, too.
Usually, APR ranges from 10.25% to 19.81%, and terms from 12 to 60 months. That is, interest rates will typically vary from 9.99% to 11.99%, depending on your creditworthiness and conditions.
In addition, Exchange Bank Of California offers a discount of 0.25% when you set up an automatic payment.
Now, check out how easy it is to apply for a loan through the Exchange Bank Of California.
Online Application Process
Firstly, you need to certify you live in Northern California, in the following counties: El Dorado, Marin, Lake, Mendocino, Napa, Sacramento, Placer, Solano, Sutter, Yolo, Sonoma, and Yuba Counties.
Then, you must be at least 18 years old.
After that, you need to open an account. So, provide your personal and financial information.
You can apply for an unsecured personal loan after your account is opened.
Also, it is important to mention that your credit score will be impacted since the bank doesn’t offer prequalification.
You will be redirected to another website
Application Process using the app
After opening your account as described above, download the mobile app to manage your finances.
Exchange Bank Of California Unsecured Personal Loan vs. Reach Financial Personal Loans
Exchange Bank Of California Unsecured Personal Loan offers good amounts of money with flexible terms and fixed and low rates.
However, it only attends Northern California. Therefore, a reliable and secure alternative is Reach Financial Personal Loans.
Check out the comparison right below before applying for a loan.
|Exchange Bank Of California Unsecured Personal Loan||Reach Financial Personal Loans|
|APR||Up to 19.81%||From 5.99% to 35.99%|
|Loan Purpose||Personal (consolidate debt, cover an unexpected situation or emergency, or pay for a large purchase)||Personal|
|Loan Amounts||From $1,000 to $100,000||From $3,500 to $40,000|
|Credit Needed||Not disclosed||Good|
|Terms||From 12 to 60 months||From 24 to 60 months|
|Origination Fee||Not disclosed||Up to 5%|
|Late Fee||Not disclosed||$15|
|Early Payoff Penalty||Not disclosed||None|
Now, check out how the Reach Financial Personal Loans application works!
How to apply for the Reach Financial Personal?
Check out how the Reach Financial Personal Loans application works so you can borrow up to $40,000 to consolidate debt and build your credit.
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