Loans (US)

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

Published on 11/19/2022

Exchange Bank Of California Unsecured Personal Loan application: borrow up to $100,000

Exchange Bank Of California will offer you the best personal loans. Source: The Mister Finance.

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.

personal loan

Exchange Bank Of CA

fixed rates long terms

You can apply to borrow up to $100,000 with Exchange Bank Of California.

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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

Apply online for the Exchange Bank Of California Unsecured Personal Loan. Source: Freepik.

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.

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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About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.