Chase offers a lot of services, but Personal Loans aren’t one of them. You can find auto loans and mortgages with Chase but if you want the Flexibility of a Personal Loan you may have to look elsewhere for your loan.
Does Chase offer personal loans? The simple answer is NO, Chase does not currently offer personal loans.
Many banks don’t actually offer personal loans. Like most banks Chase also doesn’t offer personal loans. Instead Chase mainly offers saving and checking account services. The closest services to a personal loan they offer are credit cards, auto loans, and mortgages, but they don’t technically offer personal loans. But don’t worry because there are other personal loan options out there that we’ll touch on later in this article.
Chase Credit Cards: A Quick Look
|some of their cards offer cash back and bonus points||some of their cards only let you earn back on certain things like dining and travel|
|some of their cards let you earn back 1.5% to 6 times on purchases||some of their cards have fees up to $95|
|some cards have no annual fees|
Chase Auto Loans: A Quick Look
|you can refinance the loan||you need to be a Chase customer with a checking account for refinancing options|
|loan terms are 12 to 84 months||you might want to pay back the loan in less than a year|
|loan amounts are $4,000 to $600,000||you might need an even smaller loan|
|great for buying a new car or refinancing existing car loan||not great for other personal reasons|
Basically, Chase is a great place to go if you’re looking for auto loans in order to buy a new car, or if you’re looking for different credit cards that offer an array of benefits. But if you are looking for a more flexible loan that you can use for a larger variety of personal reasons then you’ll need to look at other loan providers.
Who are Chase Loans and Credit Cards Perfect For?
The Chase auto loan is great if you need to purchase a new car or refinance your car payments. Likewise, Chase credit cards are great if you travel a lot and want to accumulate benefits for all the money you spend on traveling expenses. If you need a large auto loan or credit cards great for travelers, and you meet the below requirements, then Chase may be perfect for you.
- If you have a high credit score
- If you need a large auto loan
- If you have a lot of travel expenses for tickets, hotels, and dining
- If you already have a Chase account
Who Should NOT Get a Chase Loan or Credit Card?
If you don’t meet the above requirements, or you’re just looking for a quicker, smaller loan that you can use for something besides a car, then you may want to keep shopping for your perfect loan. If any of the listed items below represent you, then you should consider a different personal loan provider.
- If you need a smaller loan
- If you want to pay back the loan in less than a year
- If you don’t already have a Chase account
- If you need your loan quickly, or that same day
- If you have a low credit score
- If you can’t afford a hard credit pull application on your credit score
- If you have personal reason beyond cars for needing a loan
An Alternative to a Chase Personal Loan
Check City offers a different kind of personal loan. So if the features and requirements present in Chase’s loan and credit services don’t work for you, a Check City personal loan might be your answer.
Reasons to Get a Check City Personal Loan:
- Check City is a direct lender
- Check City is also a state licensed lender
- The application process is quick and simple
- You don’t need a high credit score to apply
- There are no origination fees
- You can get your loan TODAY
How to Apply for a Check City Personal Loan
Check City personal loans are incredibly easy to use. Just visit the Check City Personal Loan Page and you can quickly apply for your loan online, at a nearby Check City store, or even over the phone!
All you need to apply for the loan is:
- A government ID
- Proof of bank account
- Proof of direct deposit
- Proof of income
- A valid phone number
Apply for a Check City Loan Online by clicking HERE.
Find a conveniently located Check City Store by clicking HERE.
Or call Check City’s Loans By Phone number: 800-404-0254
Check City personal loans have a fast and easy process, and if you go into a Check City store to apply, you can actually walk out with your personal loan funds that very same day! Check City personal loans are great for loan customers that need a quick, easy to use, smaller personal loan that they can pay back in a matter of months instead of years. They’re also a great loan option for customers with lower credit scores since Check City doesn’t pull a traditional credit report when processing your application.
LOAN COMPARISON CHART
|Check City Personal Loans||Discover Personal Loans||Wells Fargo Personal Loans||Chase Auto Loans|
|Amount||$300 to $3,000||$2,500 to $35,000||$3,000 to $100,000||$4,000 to $600,000|
|Rates||lower APR than our payday loans||6.99% to 24.99% APR||5.49% to 22.99% APR||depends|
|Fees||no origination fees||no origination fees, no closing costs||no origination fees, no prepayment penalties||depends|
|Terms||6 months||36 to 84 months (3 to 7 years)||12 to 84 months (1 to 7 years)||12 to 84 months|
|Min. Credit Score||Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan||660||600||high credit score|
When you think of loans you often think about the requirements you need to meet in order for you application to get approved. But you have loan requirements too! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!
Whatever your own personal loan requirements might be, you should always study up on what features each loan provides before making a choice.
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”
Budget like a boss by reading, “Budgeting in 4 Easy Steps.”
*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.