XCEL offers loans with competitive rates and flexibility to meet all your needs. You can choose from auto, real estate, education, personal and even business loans. We also offer a wide variety of terms to make sure your payment fits into your budget.
XCEL’s Platinum VISA® Credit Card:
- 0.00% APR 6-Month Introductory Rate On Purchases*
- Rates as low as 10.24% APR for Purchases and Cash Advances**
- Up to 1% Cash Back Rewards for all purchases*
- Line-of-Credit up to $25,000
- Full 25-Day Grace Period
- No Annual Fee
- No Balance Transfer Fee
- No Cash Advance Fee
Features & Benefits:
- Accepted at Millions of Locations Worldwide
- Emergency Card Replacement
- Travel Accident Coverage
- Rental Car Insurance
- Luggage Delay Insurance
- Zero Liability for unauthorized use of the credit card
- Secure Online Purchases with Verified by VISA
- Exceptional 24-hour cardmember service
No Application Needed – Just Call Us!
973-ASK-XCEL (275-9235), Option #2
To apply online, please click here.
*For qualified members
**APR = Annual Percentage Rate. Minimum APR of 9.99%; maximum APR of 18.0%. Rates, terms and offers are subject to change, may be withdrawn, and are based on your creditworthiness.