Chase Bank Personal Loan Alternatives

JPMorgan Chase currently doesn’t offer unsecured personal loans. The bank offers other types of loans, but if you're looking for a personal loan, you can find options at other banks, credit unions and online lenders.

» MORE: Where to get a personal loan

Other types of Chase loans

Chase offers loans and credit, including:

• Home loans

• Auto loans

• Credit cards

Additional Chase financing options include Chase Pay Over Time and My Chase Loan.

• Chase Pay Over Time is an installment plan with a fixed monthly fee that allows you to pay for purchases made on your Chase credit card over three to 24 months.

• My Chase Loan lets you borrow a minimum of $500 against an existing credit line and has a fixed interest rate.

» MORE: Chase Pay Over Time and My Chase Loan: How they work

Personal loan alternatives to Chase

Citibank, Wells Fargo and PNC are three banks that offer personal loans. You may need to be a bank customer to apply and meet minimum credit and income requirements.

Features of a typical bank-issued personal loan:

• Credit score accepted: Good to excellent (above 689).

• APR range: 6% to 36%.

• Loan amounts: $1,000 to $100,000.

» MORE: Top banks offering personal loans

National and local credit unions offer personal loans, often with lower rates than traditional banks and online lenders. Credit unions don’t require good credit to qualify, but you’ll need to become a member. Your local credit union is a good first choice when shopping for a personal loan.

Features of a typical credit union personal loan:

• Credit score accepted: Bad to excellent (above 500).

• APR: Average 10.83% at federal credit unions for a three-year loan.

• Loan amounts: $250 to $50,000.

» MORE: Top credit unions for personal loans

Online lenders offer personal loans to all credit profiles, including borrowers with bad credit, and most will estimate your rates without a hard inquiry on your credit. It pays to compare online lenders because each has its own formula for determining borrowers’ rates.

NerdWallet’s comparison tool lets you check rates at multiple online lenders without affecting your credit.

Features of a typical online personal loan:

• Credit score accepted: Bad to excellent.

• APR range: 6% to 36%.

• Loan amounts: $1,000 to $100,000.

» MORE: Compare the best online loans

Compare personal loans

Here are three online lenders to consider as alternatives to Chase. NerdWallet recommends pre-qualifying for multiple loans to compare rates.