Skip to contentSkip to footer

Personal Loans

Take control of your finances and consolidate debt.

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

Moving across town or across the country? First time investor, looking to access your equity or build your dream home? We’ve got you covered.

Putting the keys in your hand is our top priority. We offer in-house and brokered services to find you the best loan and best rate available, locally and nationwide.

  • One-on-one personal service with our experienced in-house loan consultants
  • Competitive interest rates and access to all mortgage loan programs
  • Pre-qualification power to shop and negotiate with confidence
  • Purchase, refinance, lot financing and construction, FHA, VA and reverse mortgage loans

For a complimentary review of your mortgage, please complete the Complimentary Mortgage Review form and bring it to one of our 18 branch locations.

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
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
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
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 & 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.