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While Chase Bank is one of the largest US banks with a wide range of financial services and products, it does not offer personal loans. If you're looking for a personal loan, you may qualify for one of the best personal loans from another bank, credit union, or online lender.
We've rounded up some alternatives to Chase that you can consider if you're in the market for a personal loan.
Personal Loans From Banks Other Than Chase
Although Chase doesn't offer unsecured personal loans, many of the other largest brick-and-mortar US banks do. If you're looking for a personal loan and prefer to work with a traditional bank, consider these:
Compare Personal Loan Rates
US Bank Personal Loans
A US Bank personal loan could be a good choice if you're an existing customer and want to take out a personal loan from the same institution where you already do your banking. The bank offers perks to its existing customers, including funding time as short as a few hours.
You can borrow as little as $1,000 from U.S. Bank, and the bank offers competitive personal loan interest rates.
Citi Personal Loans
Citi personal loans have competitive interest rates and no origination fees. They may be among your best choices if you have excellent credit. You'll need to have a Citi deposit account open for at least 12 months, as well as an annual income of at least $10,500, to qualify for a Citi personal loan.
Citi personal loan amounts range from $2,000 to $30,000. APRs range from 11.49% to 20.49% APR, depending on your credit score and other financial factors.
Wells Fargo Personal Loans
A Wells Fargo personal loan could be a good choice if you need a large amount of cash. It offers loan amounts ranging from $3,000 to $100,000. But if you aren't a current customer, you'll need to apply for a personal loan in person at a branch.
Instead of the more common auto-pay discounts offered by lenders to anyone who sets up automatic payments on their loans, Wells Fargo offers discounts to current customers who pay their loans through their consumeraccounts.
Credit Union Personal Loan Alternatives to Chase
Borrowing from a credit union instead of a bank offers some advantages. The National Credit Union Administration caps interest rates at 18%. If you don't have a great credit score, you could get a lower interest rate from a credit union than a bank. You're also more likely to find smaller loan amounts available at credit unions.
These are some of the best credit unions for personal loans:
Service Credit Union Personal Loan
Service Credit Union personal loans may approve you within 24 hours of receiving your application, so it could be a good choice if you need a quick personal loan for fast cash. However, with a range from starts at 9.74% (including reduction), its starting interest rates are higher than comparable credit unions. You may be able to get a lower-cost loan elsewhere if you have an excellent credit score.
You can take out a loan for $1,000 to $50,000 from Service Credit Union. You'll need to have a membership in the credit union to qualify for a personal loan; you can become a member by joining the American Consumer Council for free with a promo code.
PenFed Credit Union Personal Loan
With an APRs ranging from 8.99% to 17.99%, PenFed personal loans can be a great choice for borrowers with excellent credit. PenFed offers loan amounts ranging from $600 to $50,000.
You have to be a member to get a PenFed loan. You can join by simply opening a savings account with a $5 minimum deposit.
Alliant Credit Union Personal Loan
An Alliant Credit Union personal loan could be a good choice if you have excellent credit and are looking to get your money as soon as the same day. However, with a range of $1,000 to $50,000, theminimum amount you can borrow is higher than most other credit unions.
Alliant offers debt protection for its loans. For a small fee, you can cover death, disability, and involuntary unemployment, protecting you from unexpected events that may make you unable to pay back your loan.
Online Personal Loan Alternatives to Chase
Online personal loans offer interest rates, terms, and other features that are competitive with those you can get on loans from a bank or credit union. However, the process of getting one is completely online. Therefore, you won't be able to get the kind of in-person assistance you would find at brick-and-mortar lenders.
These are some of the best online loans to consider if you're looking for an alternative to a Chase personal loan:
LightStream Personal Loan
LightStream offers some of the lowest rates on personal loans available to borrowers with excellent credit scores. Its APRs range from 6.99% to 25.49% (with AutoPay discount, rates vary by loan purpose). LightStream personal loanamounts range from $5,000 to $100,000.
LightStream is one of the best debt consolidation loan companies and offers some of the best home improvement loans thanks to its low minimum APRs.
SoFi Personal Loan
SoFi personal loans can be a great choice if you have a high credit score. However, with a range of $5,000 to $100,000, the minimum loan amount available is high compared with many other online lenders.
SoFi's APRs range from 8.99% - 29.99% fixed (with all discounts). However, only borrowers with excellent credit scores will qualify for the lowest rates.
Avant Personal Loan
An Avant personal loan could be right for you if you have a lower credit score and need to receive yourloan money quickly. You'll generally get your funds the day after your application is approved.
Avant offers some of the best personal loans for bad credit. But remember, the lower your credit score, the more you'll pay in interest. Avant's APRs range from 9.95% to 35.99%. You can borrow from $2,000 to $35,000 with an Avant personal loan.
Chase Personal Loan Frequently Asked Questions
Does Chase issue personal loans?
You cannot get an unsecured personal loan from Chase. The bank does offer secured loans such as auto loans and home equity lines of credit that are backed by collateral.
What type of loans are available at Chase?
Chase offers a wide range of loans including mortgages, home equity lines of credit, car loans, commercial lines of credit, and business equipment financing. Chase also offers credit card accounts.
Is Chase a good place to get a loan?
Chase is one of the largest US banks, offering a wide range of financial services and credit products with competitive rates. The bank is listed in Business Insider's guides for best credit cards, andbest mortgage lenders.
Why You Should Trust Us: How We Rate Personal Loans
We rate all personal loan products in our reviews and guides on a 1-5 scale. The overall rating is a weighted average that takes into account seven different categories, some of which are judged more heavily than others. They are:
- Interest rate (20% of rating)
- Fees (20% of rating)
- Term lengths and loan amounts (15% of rating)
- Funding speed (15% of rating)
- Borrower accessibility (15% of rating)
- Customer support (7.5% of rating)
- Ethics (7.5% of rating)
Each category's weighting is based on its importance to your borrowing experience. Rates and fees have the most direct impact on the overall cost of your loan, so we weigh those the most heavily. Customer support and ethics are still very important parts of the borrowing experience, but do not directly tie to a personal loan's terms, so they have less of an impact on the overall rating.
See our full ratings methodology for personal loans »
Senior Editor, Personal Finance
Richard Richtmyer has wide-ranging journalism experience as an editor, writer, and photographer in a career that has spanned from Wall Street to the wilds of Alaska. He has covered beats including personal finance, capital markets, investing, real estate, technology, business, and politics.Richard has worked with news organizations including Bloomberg, The Associated Press, CNN, and the Anchorage Daily News. Outside of work, his hobbies include long-distance motorcycling, backcountry exploring and camping, strenuous hiking, and practicing old-fashioned strongman exercises to stay fit.
Compliance Associate
Elias Shaya is a Compliance Associate on the Personal Finance Insider team based in New York City, whichensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Elias is the point person for the loans sub-vertical and works with the editorial team to ensure that all rates and information for personal and student loans are up-to-date and accurate.He joined Insider in February 2022 as a fellow on the compliance team.
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