Chase vs Citi Personal Loans: Side-by-Side Comparison

Q: Which Lender Is Best for You?

Choose Citi if you: Are an existing Citi banking customer, Have received a pre-approved offer, Want a traditional personal loan with no fees, and Prefer predictable fixed monthly payments Choose Chase if you: Already have a Chase credit card with available credit, Want to borrow without opening a... Learn More at SuperMoney.com

Last updated 10/27/2025 by

Ante Mazalin

Edited by

Andrew Latham

Summary:

Neither Citi nor Chase currently offers traditional unsecured personal loans to the general public in the way online lenders do. However, Citi does offer personal loans to eligible existing customers, while Chase only provides personal loan alternatives like credit cards or lines of credit. If you’re already a Citi account holder and meet their criteria, you may be eligible for a Citi Flex Loan. Chase customers will need to look into credit card-based options like My Chase Loan. For true personal loan options, alternative lenders may be a better fit.

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Comparison: Citi vs Chase Personal Loans

Feature	Citi Personal Loans	Chase Personal Loans
Loan Amounts	$2,000 - $30,000	$50,000 - $500,000
APR Range	9.99% - 17.49%	3.88% - 6.26%
Loan Terms	12 months - 60 months	N/A
Funding Time	Within 1–2 business days (if approved)	Not disclosed
Minimum Credit Score	Starting at 740	700 - 850
Origination Fees	0%	N/A
Late Payment Fee		N/A
Prepayment Fee	No	No
SuperMoney User Score	rating not yet determined	strongly recommended

About Citi Personal Loans

Citi offers personal loans and lines of credit—but only to eligible existing customers. The Citi Flex Loan, a variation of a personal loan, is often made available through targeted offers. It’s quick to fund and integrates with your Citi checking account.

Key Features:

No origination fees or prepayment penalties
Must be an existing eligible Citi account holder
Funds typically disbursed within 1–2 business days

About Chase Loans

Chase does not currently offer unsecured personal loans to new or existing customers. Instead, it promotes alternatives such as My Chase Loan, a feature offered through select Chase credit cards that allows cardholders to borrow against their existing credit limit.

Key Features:

No personal loans offered in the traditional sense
My Chase Loan lets you borrow against your credit card line
Requires a qualifying Chase credit card

Key Differences Between Citi and Chase Personal Loans

Loan Availability: Citi offers personal loans only to eligible account holders; Chase does not offer traditional personal loans.
Product Type: Citi provides unsecured personal loans or Flex Loans; Chase offers My Chase Loan via its credit cards.
Access Requirements: Citi requires you to be an existing Citi customer with a pre-qualified offer; Chase requires a qualifying Chase credit card.
Loan Amounts: Citi offers $2,000 - $30,000, while Chase’s loan substitute (My Chase Loan) depends on your card’s available credit line.
APR Ranges (Verified vs ): Citi APRs range from 9.99% - 17.49%, while Chase’s APR for My Chase Loan varies by credit profile and card type.
Fees: Citi does not charge origination or prepayment fees. Chase’s fees and terms depend on your card agreement.
Funding Time: Citi typically disburses funds in 1–2 business days. Chase does not publish specific funding timelines for My Chase Loan.
SuperMoney User Score: rating not yet determined vs strongly recommended, based on verified user reviews.

Which Lender Is Best for You?

Choose Citi if you:

Are an existing Citi banking customer
Have received a pre-approved offer
Want a traditional personal loan with no fees
Prefer predictable fixed monthly payments

Choose Chase if you:

Already have a Chase credit card with available credit
Want to borrow without opening a new account
Are okay with a line-of-credit structure rather than a personal loan
Value simplicity and integration with your Chase credit card

Bottom Line:
If you’re looking for a true personal loan, Citi offers a better solution—if you qualify. Chase only offers credit-based loan alternatives like My Chase Loan. Neither lender is open to the general public for traditional loan applications, so consider online lenders for broader options.

What’s Next

Check out the full reviews for more info:

Citi Personal Loans Review

Chase Loans Review

Or explore more comparisons:

Upgrade vs Avant – Compare a leading online lender with a big bank

SoFi vs Citi – See how digital lenders compare to traditional banks

Citibank vs Discover – Two no-fee lenders go head-to-head

Best Personal Loans – See top-rated lenders available now

Key Takeaways

Citi offers personal loans to select existing customers, while Chase does not
Chase customers may access funds through My Chase Loan, tied to credit cards
Neither bank offers unsecured personal loans to the general public
Consider online lenders for more accessible and flexible loan options

FAQs about Citi and Chase personal loans

Does Citi offer personal loans to new customers?

No. Citi only offers personal loans or Flex Loans to eligible existing account holders.

Can you get a personal loan from Chase?

Chase does not currently offer personal loans. However, eligible credit card holders can access My Chase Loan.

Are there fees with Citi or Chase loans?

Citi typically does not charge origination or prepayment fees. My Chase Loan terms vary and depend on your card agreement.

Which is easier to access—Citi or Chase loans?

Both options are limited to existing customers. If you already bank with either institution, you may qualify for their respective loan features.

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