Chase Bank loans

Easily apply online for the money you need to finance a car, home or small business at competitive rates and adjustable terms.

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First, am I eligible?

To qualify for a loan with Chase, you must:

  • Be at least 18 years old.
  • Be a US citizen or permanent resident.
  • Have at least good credit.

Depending on your loan type, you might need to meet other eligibility criteria.

What types of loans does Chase offer?

Chase does not offer a typical personal loan to help pay off your credit card debt, take a vacation or other needs. Instead, Chase offers home, business and auto loans that range from $5,000 to $5 million.

Want to learn more about Chase loans?
Read the Chase mortgage loans review
Read the Chase business loans review
Read the Chase auto loans review

Why should I consider taking out a Chase loan?

  • Joint loans available. Chase can issue credit to multiple people based on combined incomes.
  • Easy online pre-approval. Learn your estimated rates and how much you can borrow before applying.
  • Quick funding. Receive your money in 1 to 7 business days.
  • Repeat borrowing. Easily refinance or borrow additional money with good credit.
  • Other banking products. Open checking and savings accounts, debit cards, credit cards and lines of credit.

Compare Chase loans to other lenders

Rates last updated January 19th, 2018

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Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
Name Product Product Description Min. Credit Score Max. Loan Amount APR Requirements
Laurel Road Personal Loans
Get a personal loan with no application or origination fees and a rate discount for autopay.
From 5.5% (fixed)
Must be a US citizen or permanent resident with a valid I-551 card. Best for people w/ 680+ credit scores and $60,000+ annual income.
Even Financial Personal Loans
Get connected to competitive loan offers instantly from top online consumer lenders.
From 4.99% (fixed)
Must have a minimum credit score of 580+. Must be 18+ years old and be an American citizen or permanent resident.
LendingClub Personal Loan
A peer-to-peer lender offering fair rates based on your credit score.
From 5.99% (fixed)
You must be over 18 years of age, a permanent resident of the US or an American citizen and have a steady source of income.
Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.
From 5.99% (fixed)
Must be 18+ years old, an American citizen or US permanent resident and have a 640+ credit score.
CompareFirst Personal Loans
An easy-to-use loan connection service geared toward introducing first-time borrowers to affordable personal loans.
From 2.99% (fixed)
Must be a US citizen or permanent resident, age 18 or older, with a credit score of 580 or higher, and have a minimum annual income of $35,000.
LendingPoint Personal Loans
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
From 15.49% (fixed)
Must have a fair credit score of 600 or better and verifiable income. Must live in a state where LendingPoint services.
NetCredit Personal Loan
Check eligibility in minutes and get a personalized quote without affecting your credit score.
From 34% (fixed)
Varies depending on your state of residence.

Compare up to 4 providers

How much will it cost me to borrow with Chase?

How much a Chase loan will cost will depend on your overall creditworthiness and other factors.

After you apply for a personal loan, Chase calculates your interest rate based on your credit score, your credit history and other factors. Chase then provides a loan estimate that itemizes your loan’s total cost, including the APR, interest rates, loan terms and other important details.

Are Chase loans safe?

Chase uses 128-bit encryption to keep your banking information safe. Its site also also secured by SSL encryption, which scrambles your information to make it more difficult for hackers to intercept.

If you encounter any problems with the website or application, you can call Chase’s customer service.

What does the Internet say about Chase?

Chase’s online reputation is not great. Remember the subprime mortgage crisis? JP Morgan Chase & Co. was involved. In 2013 it reached a $13 billion settlement over its mortgage practices. That settlement doesn’t have much to do loans it directly offers, but its reputation as a financial institution hasn’t totally recovered.

That might explain why it’s not accredited with the Better Business Bureau — alarming for such a large bank — and gets an F rating based on 123 customer reviews, 97% of which are negative. It fares better on Trustpilot, scoring a 8.3 out of 10 with 63% of reviewers rating it as “Excellent.”

Many reviewers complained about having issues making payments and didn’t like its frustratingly archaic way of dealing with problems. Its customer service got lukewarm reviews at best — many reviewers felt Chase didn’t care enough about them.

How to apply for a loan with Chase

The process will vary slightly from loan to loan, but generally you’ll go to Chase’s website and choose the loan you’re interested in. From there, you’ll:

  • Log in or create a Chase online banking account.
  • Provide your personal contact information and date of birth.
  • Describe the property or car you’re interested in financing or your business information, for a business loan.
  • Provide financial information that could include your annual income, your tax statements and banking details.
  • Arrange a meeting with a banker to complete your loan.

Eligibility requirements

To be eligible for a Chase personal loan, you must be:

  • At least 18 years old.
  • A US citizen or permanent resident.
  • Good to excellent credit.

You might have trouble qualifying if you’ve had any past bankruptcies, repossessions, foreclosures or other negative lines on your credit report. If you do have some negative points in your credit history, you must be able to show that you’ve consistently worked to rebuild it.

Applicants who are unsure about their chances of approval might want to take on a cosigner with a strong credit history.

Pros and cons of a Chase loan


  • High maximum loan amounts. Depending on the loan, you could be approved for $5,000 to $5 million.
  • Variable terms. Different loans offer different terms that are competitive with others in the market.
  • Trusted bank. Chase has been a name in the finance world since 1799.


  • Does not offer traditional personal loans. You can’t use Chase to consolidate your debt or for personal use.
  • Potentially high rates. If your credit is poor, you may see rates that are higher than you’d find elsewhere.

I got the loan. Now what?

Depending on what type of loan you took out, there might be a few more steps you need to take before all you have to worry about is repayment. If you have a mortgage, you might need to purchase a home; if you have a car loan, you might need to go buy a car. Your point of contact at Chase should be able to walk you through these final steps.

Once your money is disbursed, set up automatic payments with your personal or business bank account — that way it’s one less thing you need to worry about keeping track of. This doesn’t mean you can sit back and forget about it. Keep an eye on your account and your loan’s balance, and contact customer service if you notice anything out of the ordinary. You can do this by calling 800-935-9935 or your point of contact at Chase.

I didn’t get a Chase loan. What do I do?

First, find out why your application was rejected. Common reasons bank loans are rejected include having a credit score that was too low, not having enough consistent income, having too much debt or mistakes in the application. Take steps to pay off your debts, up your credit score and look into other sources of income if you want to cover all bases.

Keep in mind that bank loans are more difficult to qualify for than ever. Instead of reapplying with Chase, you might want to look at other lenders that might be more lenient, like credit unions and online lenders.

Bottom line

Chase personal loans may be able to quickly get you the money you need for a car, your small businesses or a new home. However, if your credit isn’t ideal, you may pay higher interest rates on these loans or not qualify at all.

Compare your loan options to see if you’re eligible for lower rates and better terms through competing lenders.

Frequently asked questions about Chase loans

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US Personal Loans Offers

Important Information*
Even Financial Personal Loans

Get connected to competitive loan offers instantly from top online consumer lenders.


Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.

LendingClub Personal Loan

A peer-to-peer lender offering fair rates based on your credit score.

SoFi Personal Loan Fixed Rate (with Autopay)

Borrow up to $100,000 with a competitive APR and no fees.

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