Chase Bank Personal Loan Alternatives
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JPMorgan Chase currently doesn’t offer unsecured personal loans. 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
Personal loan alternatives to Chase
Banks
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.
Credit unions
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.
Online lenders
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.
 |  |  |
|---|---|---|
Est. APR7.80-35.99% | Est. APR6.99-25.49% | Est. APR8.99-29.99% |
Loan term3 to 7 years | Loan term2 to 7 years | Loan term2 to 7 years |
Loan amount$1,000-$50,000 | Loan amount$5,000-$100,000 | Loan amount$5,000-$100,000 |
Min. credit scoreNone | Min. credit score660 | Min. credit scoreNone |
Other types of Chase loans
Chase offers other types of loans, including:
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.
on NerdWallet
