Features

Chase Bank can trace its roots all the way back to 1877 when John Thompson formed Chase National Bank. Chase has more than 5,100 branches nationwide and operates in more than 100 countries. It is currently the largest bank in the U.S. by total assets, meaning it has the leverage to offer competitive loan rates.

What may surprise you though is that Chase Bank does not provide personal loans to its clients.

However, it does offer auto loans, mortgages, mortgage refinancing, personal credit cards, business credit cards, student credit cards, prepaid cards, and personal banking services

Use SuperMoney's loan offer engine to compare the rates and terms of top lenders without hurting your credit.

How to Get a Chase Loan

Chase Bank is not offering unsecured personal loans. You can apply for auto loans and mortgages though. This in-depth review looks at the pros and cons of Chase auto finance.

Banks are abandoning personal loans

Chase is by no means the exception when it comes to big bangs bailing out on personal loans. Only Citibank and Wells Fargo offer personal loans and personal lines of credit among the five largest banks in the United States.

Bank personal loans

Chase doesn't offer signature loans but other banks do. What rates and terms can you expect?

  • Eligibility criteria vary from bank to bank but you need good to excellent credit qualify.
  • Loan amounts typically range from $2,000 to $100,000.
  • APRs range widely depending on the amount, credit score, and location of the borrower, but you can expect anything between 7% and 24% APR.

Credit unions vs. large banks like Chase

Credit unions provide more flexible options to borrowers than big banks like Chase. Eligibility requirements are typically laxer and you can qualify for lower rates. 

Typical rates and terms for credit unions

  • APRs average at around 10%
  • Loan amounts range from $500 to $50,000
  • Poor to excellent credit scores are considered

Online lenders vs. large banks

Online lenders provide the most flexibility to borrowers, and if your credit is good you can qualify for the lowest rates available. 

SuperMoney's loan offer engine allows you to compare the rates of leading lenders without hurting your credit.

Typical rates and terms for online lenders

  • All credit types considered
  • Loan amounts range from $100 to $100,000
  • APRs range from 3% to 99%
  • Credit Score Range
    700 - 850
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Co-signer
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
    18
  • Verification Documents Required?
    • Proof of Income
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Loan Amount
    $50000 - $500000
  • APR
    3.88% - 6.26%
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