Chase Bank Personal Loan Alternatives
Chase doesn't offer personal loans. Alternatives include other banks, credit unions and online lenders.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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
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 (mid-600s and higher).
APR: Average 11.66% at commercial banks for a two-year loan.
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 (mid-500s or lower) to excellent (mid-700s or higher).
APR: Average 10.75% 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.
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. APR6.70-35.99% | Est. APR6.49-24.89% | Est. APR8.99-35.49% |
Loan term3 to 5 years | Loan term2 to 7 years | Loan term2 to 7 years |
Loan amount$1,000-$75,000 | 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 loans and credit, 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.
How we chose the best personal loans
Our team of consumer lending experts follow an objective and robust methodology to rate lenders and pick the best.
30+
Lenders reviewed
25+
Categories assessed
60+
Data points analyzed
Star rating categories
We evaluate more categories than competitors and carefully weigh how each factor impacts your experience.
NerdWallet’s review process evaluates and rates personal loan products from more than 30 financial technology companies and financial institutions. We collect over 60 data points and cross-check company websites, earnings reports and other public documents to confirm product details. We may also go through a lender’s pre-qualification flow and follow up with company representatives. NerdWallet writers and editors conduct a full fact check and update annually, but also make updates throughout the year as necessary.
Our star ratings award points to lenders that offer consumer-friendly features, including: soft credit checks to pre-qualify, competitive interest rates and no fees, transparency of rates and terms, flexible payment options, fast funding times, accessible customer service, reporting of payments to credit bureaus and financial education. Our ratings award fewer points to lenders with practices that may make a loan difficult to repay on time, such as charging high annual percentage rates (above 36%), underwriting that does not adequately assess consumers’ ability to repay and lack of credit-building help. We also consider regulatory actions filed by agencies like the Consumer Financial Protection Bureau. We weigh these factors based on our assessment of which are the most important to consumers and how meaningfully they impact consumers’ experiences.
NerdWallet does not receive compensation for our star ratings. Read more about our ratings methodologies for personal loans and our editorial guidelines.
on NerdWallet