Loans (US)

Exchange Bank Of California Unsecured Personal Loan review

Check out this Exchange Bank Of California Unsecured Personal Loan review and learn how to get the loan you need at low and fixed rates.

by Aline Augusto

Published on 11/19/2022

Exchange Bank Of California Unsecured Personal Loan: up to $100,000 at fixed rates

Exchange Bank Of California has excellent loan offers for you. Source: The Mister Finance.

This Exchange Bank Of California Unsecured Personal Loan review will show you how to borrow up to $100,000 at fixed and low rates.

How to apply: Exchange Bank Of California loan

Check out how the Exchange Bank Of California Unsecured Personal Loan application works and access up to $100,000 at fixed and low rates.

Keep Reading

A personal loan helps you consolidate debt, cover an unexpected situation or emergency, or pay for a large purchase.

Also, accessing loans with fixed monthly payments allow you to keep control of your finances while working on re-establishing a good financial path.

APR	Up to 19.81%
Loan Purpose	Personal (consolidate debt, cover an unexpected situation or emergency, or pay for a large purchase)
Loan Amounts	From $1,000 to $100,000
Credit Needed	Not disclosed
Terms	From 12 to 60 months
Origination Fee	Not disclosed
Late Fee	Not disclosed
Early Payoff Penalty	Not disclosed

Keep reading this Exchange Bank Of California Unsecured Personal Loan review to learn how it works so you can finally get the line of credit you need.

How does the Exchange Bank Of California Unsecured Personal Loan work?

Exchange Bank Of California offers several financial products and services for residents of Northern California, including the following counties: El Dorado, Marin, Lake, Mendocino, Napa, Sacramento, Placer, Solano, Sutter, Yolo, Sonoma, and Yuba Counties.

Among its products, Exchange Bank Of California provides unsecured personal loans for those who need to consolidate debt, cover an unexpected situation or emergency, or even pay for a large purchase.

And you don’t need collateral to get the loan you need.

Also, amounts range from $1,000 to $100,000, which is pretty good.

Furthermore, the bank features fixed rates, which allow borrowers to control their monthly payments since they are fixed.

The terms range from 12 to 60 months. So, for example: applying for a minimum loan amount of $10,000 with a term of 60 months, the APR will be 10.25%. And an interest rate of 9.99%.

Of course, rates, terms, and conditions may vary depending on your creditworthiness.

Unfortunately, we weren’t able to access the associated fees. But the bank charges a documentation fee of $60.

In addition, the bank offers many physical branches and great customer service. That is, you can rely on that in case you need it.

Exchange Bank Of California Unsecured Personal Loan benefits

Achieve your goals with the help of a personal loan. Source: Freepik.

Exchange Bank Of California Personal Loan can be unsecured, so collateral is not required.

The amounts range from $1,000 to $100,000, and terms vary from 12 to 60 months.

Also, rates are fixed, which allows fixed monthly payments. Moreover, the bank allows auto pay. So, it gives a discount of 0.25% in case you set automatic payment.

Check the pros and cons of the Exchange Bank Of California Unsecured Personal Loan.

Pros

It offers unsecured personal loans of up to $100,000;
It charges fixed rates, so monthly payments are fixed, too;
It offers a 0.25% discount for automatic payment;
It doesn’t require collateral.

Cons

It charges a documentation fee;
It doesn’t disclose all associated fees;
It only accepts applicants from Northern California.

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How good does your credit score need to be?

Unfortunately, we couldn’t find the least credit score required to apply for the Exchange Bank Of California Unsecured Personal Loan.

However, since it is an unsecured loan, it is recommended that you have a good credit score to apply for a loan.

How to apply for Exchange Bank Of California Unsecured Personal Loan?

Learn how to apply for an unsecured personal loan through the Exchange Bank Of California.

How to apply for Exchange Bank Of California loans

Check out how the Exchange Bank Of California Unsecured Personal Loan application works and access up to $100,000 at fixed and low rates.

Keep Reading

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.