Does Chase Do Personal Loans? No – See 5 Alternatives for 2026

LightStream's low potential rates and maximum loan amount of $100,000 makes it a solid choice for consolidating debt. It's also one of the few lenders that offers a rate beat program on top of a 0.5% APR discount for signing up for autopay. However, you'll need good to excellent credit to qualify. And it's not ideal for borrowing smaller amounts — its loans start at $5,000.

• Not available in: Iowa, West Virginia

• Why we like it

  LightStream's low potential rates and maximum loan amount of $100,000 makes it a solid choice for consolidating debt. It's also one of the few lenders that offers a rate beat program on top of a 0.5% APR discount for signing up for autopay. However, you'll need good to excellent credit to qualify. And it's not ideal for borrowing smaller amounts — its loans start at $5,000.

• Pros and cons

  Pros

  • Highly competitive rates
  • Rate Beat Program
  • May be able to get your funds the same day
  • No origination fee

  Cons

  • No customer service phone number
  • No preapproval process
  • Large minimum loan amount of $5,000

• More details

  Loan amount	$5,000 to $100,000
  APR	Varies by loan purpose
  Interest Rate Type	Fixed
  Min. credit score	Good to excellent credit
  Turnaround Time	As soon as same day
  Loan Term	Up to 20 years for home improvement; 2–7 years for most other purposes

• Partner terms and conditions

  Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2024 to 12/31/2024. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
  
  Payment example: Monthly payments for a $25,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $766.11.
  
  Maximum APR for a LightStream loan is 25.79%. Loan terms range from 24 - 240 months depending on the loan type.

SoFi is a top online lender that offers a range of extra benefits to borrowers. Take out a loan and you'll also be eligible for financial advice, career counseling and a range of other services designed to help you reach financial freedom. Rates start at 6.49% to 35.49%, with terms between 24 to 84 months and loans range from $5,000 to $100,000. Expect to need a credit score of at least 680 or higher. SoFi has some downsides, such as a slow turnaround time of 30 days (after approval). If you're taking on a personal loan for debt consolidation, it doesn't send the funds directly to your creditors.

• Available in all states

• Why we like it

  SoFi is a top online lender that offers a range of extra benefits to borrowers. Take out a loan and you'll also be eligible for financial advice, career counseling and a range of other services designed to help you reach financial freedom. Rates start at 6.49% to 35.49%, with terms between 24 to 84 months and loans range from $5,000 to $100,000. Expect to need a credit score of at least 680 or higher. SoFi has some downsides, such as a slow turnaround time of 30 days (after approval). If you're taking on a personal loan for debt consolidation, it doesn't send the funds directly to your creditors.

• Pros and cons

  Pros

  • Member perks
  • Low rates
  • Large maximum loan amount

  Cons

  • Slow turnaround time
  • Not great for debt consolidation
  • High minimum loan amount of $5,000

• More details

  Loan amount	$5,000 to $100,000
  APR	6.49% to 35.49% with autopay and member discounts (0.25% each)
  Interest Rate Type	Fixed
  Min. credit score	680
  Turnaround Time	Same day (if approved and signed by 5:30 p.m. ET)
  Loan Term	2 to 7 years

• Partner terms and conditions

  Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2025 was around $32K. Information current as of 07/20/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
  
  Fixed rates from 6.99% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% member rate discount.
  
  SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 07/20/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors.
  
  Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan
  proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.
  
  Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.
  
  Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet.
  
  Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.
  
  Direct deposit. To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.

Ready to move on from banks? Prosper is a peer-to-peer online lending platform. Instead of borrowing from traditional financial institutions like a bank, you borrow from individual investors. Rates on Prosper's loans range from 8.99% to 35.99% — on the high end. There's an origination fee of 1% to 9.99%, loan amounts are for $2,000 to $50,000$50,000, and terms range from 24 to 60 months. Turnaround time is OK, as funding may take up to five business days. Plan on needing a credit score of at least 640, but with Prosper, coapplicants are accepted.

• Not available in: Iowa, North Dakota, West Virginia

• Why we like it

  Ready to move on from banks? Prosper is a peer-to-peer online lending platform. Instead of borrowing from traditional financial institutions like a bank, you borrow from individual investors. Rates on Prosper's loans range from 8.99% to 35.99% — on the high end. There's an origination fee of 1% to 9.99%, loan amounts are for $2,000 to $50,000$50,000, and terms range from 24 to 60 months. Turnaround time is OK, as funding may take up to five business days. Plan on needing a credit score of at least 640, but with Prosper, coapplicants are accepted.

• Pros and cons

  Pros

  • Small and large loans offered
  • Quick turnaround time
  • Fair credit OK
  • Coapplicants accepted

  Cons

  • High max APR
  • Late fees
  • Origination fees on all loans

• More details

  Loan amount	$2,000 to $50,000
  APR	8.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as 1 business day
  Loan Term	2 to 5 years

Upgrade may not have the lowest rates out there, but it accepts fair-credit borrowers with scores as low as 580. It's also available in 44 states, which gives it the same reach as national banks like Chase. And while you can only borrow up to $50,000, you likely wouldn't qualify for larger amounts anyways if you only have fair credit. However, with a potentially high origination fee up to 9.99%, it could get pricey. It's also not the fastest lender out there — it could take up to five days for the funds to reach your bank account.

• Not available in: Colorado, Iowa, Maryland, Vermont, West Virginia

• Why we like it

  Upgrade may not have the lowest rates out there, but it accepts fair-credit borrowers with scores as low as 580. It's also available in 44 states, which gives it the same reach as national banks like Chase. And while you can only borrow up to $50,000, you likely wouldn't qualify for larger amounts anyways if you only have fair credit. However, with a potentially high origination fee up to 9.99%, it could get pricey. It's also not the fastest lender out there — it could take up to five days for the funds to reach your bank account.

• Pros and cons

  Pros

  • Flexible loan options
  • No prepayment penalty
  • Quick turnaround

  Cons

  • Inflexible loan terms
  • High origination fee
  • Must have at least $1,000 left over after monthly expenses
  • Stricter eligibility criteria for self-employed applicants

• More details

  Loan amount	$1,000 to $50,000
  APR	7.74% to 35.99% (includes origination fee)
  Interest Rate Type	Fixed
  Min. credit score	580
  Turnaround Time	1 to 4 business days
  Loan Term	2 to 7 years

• Partner terms and conditions

  Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.

Avant is a good option for borrowers who have a less-than-perfect credit score and may not qualify for personal loans like SoFi or LightStream. It offers loans from $2,000 to $35,000 with APRs ranging from 9.95% to 35.99%. It stands out for its relatively low credit score requirements, allowing borrowers with credit scores as low as 580 to qualify. However, this lender comes with a high administration fee of up to 4.75%. Though, Avant will deduct the fee from your funds before transferring it to your bank account.

• Not available in: Iowa, Kentucky, Massachusetts, Michigan, Montana, Virginia, West Virginia

• Why we like it

  Avant is a good option for borrowers who have a less-than-perfect credit score and may not qualify for personal loans like SoFi or LightStream. It offers loans from $2,000 to $35,000 with APRs ranging from 9.95% to 35.99%. It stands out for its relatively low credit score requirements, allowing borrowers with credit scores as low as 580 to qualify. However, this lender comes with a high administration fee of up to 4.75%. Though, Avant will deduct the fee from your funds before transferring it to your bank account.

• Pros and cons

  Pros

  • Accepts lower credit scores
  • Quick application process
  • Prepay your loan without additional fees

  Cons

  • High APRs
  • High administration fee
  • You may pay late fees

• More details

  Loan amount	$2,000 to $35,000
  APR	9.95% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	550
  Turnaround Time	As soon as the next business day
  Loan Term	24 to 60 months

• Partner terms and conditions

  Personal loans from $2,000–$35,000. If approved, the actual loan amount, term, and APR that a customer qualifies for may vary based on credit determination and other factors. Avant branded credit products are issued by WebBank, member FDIC.