tracking image Skip to contentSkip to footer

Personal Loans

Take control of your finances and consolidate debt.

Request a Complimentary Mortgage Review

“Call 800.995.4066 or complete this form and bring it to one of our 17 branch locations.”

What to know before you apply

Exchange Bank is a community bank located in California with lending offices in Sonoma and Placer counties. We are not affiliated with any Exchange Banks located outside of California.

Home Loans
We offer in-house and brokered services to help you find the best loan and best rate available, locally and nationwide.

Putting the keys in your hand is our top priority.

  • Purchase, refinance, lot financing, construction, FHA and VA loans
  • Pre-qualification power to shop and negotiate with confidence whether you are moving across town or across the country
  • Competitive interest rates and access to all mortgage loan products
  • One-on-one personal, local service with our experienced in-house loan consultants

For a complimentary review of your mortgage, please complete the  Complimentary Mortgage Review form  and bring it to one of our 17 branch locations.

Apply Here
Apply for a home loan
Call 800.995.4066
Home Equity Lines of Credit
Flexibility and freedom to plan for what you know. Security and confidence to handle the unknown.

Home equity lines of credit, underwritten locally—giving you direct, personal access to decision makers and experienced loan officers who care about your financial story.

Learn more at any of our 18 convenient branch locations or by calling 800.995.4066 or 707.524.3000.

Rates & Fees
Call 800.995.4066
Personal Lines Of Credit
Access funds whenever you need to—up to an approved credit limit with our personal line of credit.
  • Lines of credit from $5,000 – $100,000
  • Easy access to funds available through your checking account
  • Credit line is approved without collateral
  • Low monthly payments
  • No origination fee or prepayment penalties
Rates & Fees
Unsecured personal line rates and fees
Apply Here
Apply for a personal loan
Call 800.995.4066
Unsecured Personal Loan
With no collateral required, you can borrow a specific amount of money at one time and pay it back through regular monthly payments.

A personal loan can help you consolidate debt, make a large purchase or cover an emergency.

  • Loans from $1,000 – $100,000
  • Fixed rate, fixed monthly payments
  • No collateral required
Rates & Fees
Unsecured personal loan rates and fees
Apply Here
Apply for an unsecured personal loan
Call 800.995.4066
Overdraft Line of Credit Account
Access funds whenever you need to – up to an approved credit limit with our Overdraft Line of Credit Account.
  • Lines of credit from $300 – $5,000
  • Easy access to funds available to you when you need them
  • Credit line is approved without collateral
  • No origination fee or prepayment penalties
Rates & fees
Overdraft personal line of credit rates and fees
Apply
Apply for an overdraft personal line of credit
Call 800.995.4066
Auto Loans
Shop for new or used cars with a competitive fixed-rate auto loan.
  • Fixed rate, term and monthly payments
  • Relationship discounts for qualified customers with automatic payments
  • Flexible options available based on price, down payment and terms

Auto Rates & FeesAuto and Truck loan rates and fees

Call 800.995.4066
Loans by Phone

If you would like to apply for a personal loan for any purpose without having to visit a branch, just call us toll free at 800.995.4066 or locally in Sonoma County at 707.524.3000.


“Loans are subject to credit approval. Fees, conditions and restrictions may apply. Rates and programs subject to change. Contact your tax professional for advice on tax deductibility of interest.”

“Use of website constitutes agreement to Exchange Bank’s privacy policy.

Loading