Amegy Bank offers an interest rate discount if you sign up for automatic withdrawals. The discount may vary depending on your loan and qualifications. To receive the discount, the money must come from an Amegy Bank checking account. Other linked accounts do not receive the discount for ACH payments.
Amegy Bank personal loans do not have an origination fee. The amount Amegy approves you for is the amount of money you receive. You do not have to use part of your loan amount to cover fees. There is also not a fee for paying your loan off early.
You can apply for a personal loan online with Amegy Bank, but to close the loan, you must visit a branch location. There you will sign the final papers and receive your check with the funds. You cannot completely open an Amegy Bank personal loan online.
The longest-term length for personal loans with Amegy Bank is 36-months. They do not offer longer repayment terms for personal loans. The highest loan amount is $100,000. Be sure you can pay back your loan amount in the maximum term of 36-months.
The loan amount Amegy Bank approves you for may depend on your credit history and score. When you apply for a loan, Amegy pulls your credit history and score. The amount Amegy approves for you depends on those factors. You may not be approved for the amount you apply for. The better the credit history, the higher the loan amount.
Amegy Bank started in 1990. Walter Johnson wanted a better bank in Texas. He wanted a bank dedicated to the community that offered a good variety of products. With 135, they investors established the bank. The bank started with one branch and $50 million in assets.
In 2005, Amegy Bank became part of Zions Bancorporation. They now have branch locations across Texas. Today, Amegy Bank has over 1,600 employees and 75 locations in Texas. They have over $12 billion in assets.
No. You can start your application online. To close the loan, you must visit a branch location. There you will sign the documents and receive your money.
Your loan approval depends on more than just your credit score. Other factors include credit history, debt, and income. Your loan amount may depend on your credit score and history.
The minimum loan amount is $2,500.
The maximum loan amount is $100,000 if you qualify.
Loan terms range from 12 to 36-months.
Yes. The interest rates for Amegy Bank offer competitive interest rates. Even the highest rate for a personal loan is lower than other online lending companies. The interest rate you receive depends on your qualifications.
Yes. Amegy Bank offers fixed interest rates for the life of the loan.
They offer CD secured, recreational vehicles, auto, and unsecured personal loans. They also provide a signature line of credit and a home equity line of credit. You can use personal loans for household needs, expenses, or other needs.
Amegy Bank requires basic personal information, including name, birthday, address, and phone number. They will verify your SSN, email, employer, occupation, and banking information. Other information may be necessary, depending on your application.
Most customers receive an email within minutes of their approval status. Approval may take one to two business days if Amegy needs more information.
When you sign the papers to close on your personal loan, you will receive your money in the form of a check. You can set up automatic withdrawals at your loan closing.
Amegy Bank suggests waiting at least six months before reapplying. You can apply with a cosigner if you feel that would help your approval.
Amegy offers an interest rate discount for making automatic withdrawal payments. The payments must come from an Amegy checking account. You can make payments over the phone, online, with a check, or at a branch location.
Yes. There is not a fee for paying your loan off early.
Amegy Bank security measures comply with federal laws. Their computers have safeguards. Their buildings and files are secure. Amegy Bank limits the personal information employees can see about customers.
Yes. With the mobile app, you can turn on account alerts and make payments.
Through phone, email, mail, or by visiting a local branch location. You can follow Amegy Bank on Facebook, LinkedIn, Twitter, and YouTube.