If you’re searching for personal loans from Chase Bank, you might be surprised to learn that Chase does not offer personal loans as of 2025. While the bank is known for its broad range of financial services—from credit cards to home and auto loans—it has chosen not to include unsecured personal loans in its offerings.
So, what are your options? This guide will walk you through what Chase does offer, smart alternatives to personal loans, and how to contact Chase for your financial needs.
🚫 Does Chase Offer Personal Loans?
No. Chase Bank does not provide personal loans. This often catches borrowers off guard, especially given Chase’s size and reputation. However, the bank focuses on more structured lending options like:
- Mortgages
- Auto Loans
- Business Loans
- Home Equity Lines of Credit (HELOCs)
If you’re looking for a flexible personal loan, you’ll need to explore other lenders. Let’s break that down.
✅ What Loan Products Does Chase Offer?
Even without personal loans, Chase has several strong options to help meet your borrowing needs:
🏠 Home Loans
Designed for homebuyers and refinancers, Chase offers competitive mortgage rates and a variety of term options.
🚗 Auto Loans
Chase makes financing for new or used vehicles straightforward, with flexible repayment terms.
💼 Business Loans
Chase supports businesses of all sizes, with funding options for startups, expansions, and equipment.
🏡 HELOCs
If you own a home, Chase HELOCs let you borrow against your property’s equity—great for renovations or large expenses.
🔄 Best Alternatives to Chase Personal Loans
Looking for a personal loan alternative? Here are your top choices:
1. Other Banks and Credit Unions
Institutions like Wells Fargo, PNC, and local credit unions offer competitive personal loans. Shop around to compare interest rates and terms.
2. Online Lenders
Services like So Fi, Lending Club, and Upstart specialize in unsecured personal loans with fast approval times. Just read the fine print.
3. Credit Cards
For smaller purchases or short-term borrowing, a Chase credit card with rewards and promotional APRs could do the job—just be mindful of interest rates.
4. HELOCs
If you’re a homeowner, Chase’s HELOC might be the perfect substitute for a personal loan, especially for major expenses.
⭐ Benefits of Chase Loan Products
Even without personal loans, Chase loan options come with key advantages:
- 🔒 Competitive Rates for borrowers with strong credit
- 📱 Online Tools for managing your loan via desktop or mobile
- 💬 24/7 Customer Support for peace of mind
- 🎁 Loyalty Discounts for existing Chase customers
📝 How to Apply for a Loan with Chase
Want to borrow from Chase? Here’s how to get started:
Step 1: Explore Your Options
Visit chase.com to browse available loan types.
Step 2: Check Eligibility
Make sure you meet basic criteria like credit score, income, and financial history.
Step 3: Gather Your Documents
Have your ID, proof of income, and financial info ready.
Step 4: Submit Your Application
Apply online, by phone, or in person at a local Chase branch.
Step 5: Wait for Approval
Most loan decisions arrive within a few business days.
☎️ Chase Bank Contact Information
Need help? Contact Chase directly:
- General Customer Service: 1-800-935-9935
- Credit Card Support: 1-800-432-3117
- Auto Loans: 1-800-336-6675
- Home Lending: 1-800-848-9136
- Secure Messaging: Available via chase.com
Chase Bank Contact Information
Need to speak with someone at Chase? Use the contact channels below to get fast support on any banking issue:
- General Customer Service: 1-800-935-9935 (Available 24/7)
- Credit Card Assistance: 1-800-432-3117 (For all card-related queries)
- Auto Loan Help: 1-800-336-6675 (Vehicle financing support)
- Home Lending: 1-800-848-9136 (Mortgages and HELOC inquiries)
- Secure Messaging: Login at chase.com for private messages
- Social Media Support:
- Twitter: @ChaseSupport
- Facebook: Chase Official
- Instagram: @Chase
These options provide direct access to help, keeping you informed and supported at every step.
Chase Interest Rates: 2025 vs. 2024
Interest rates from Chase vary based on creditworthiness and market conditions. Below is a quick 2025 vs. 2024 comparison:
- Home Loans: Starting from 3.5% APR (2024: 3.75%)
- Auto Loans: Starting from 4.0% APR (2024: 4.25%)
Note: Rates are subject to change. Visit chase.com or contact customer service for current offers. These lower rates in 2025 may help reduce overall borrowing costs.
Conclusion
While Chase personal loans remain unavailable in 2025, the bank still shines with its well-rounded offerings—home loans, auto financing, and business lending. If you’re in need of unsecured funding, consider alternatives like credit unions, online lenders, or a Chase HELOC.
Chase continues to lead in banking due to:
- Strong customer support
- Competitive interest rates
- Digital-first tools for easy loan management
Want to get started? Visit chase.com or call 1-800-935-9935 to learn more.
Final Thoughts
While Chase personal loans aren’t available, you still have access to top-tier loan products through Chase and many solid alternatives elsewhere. Whether you’re refinancing your home, buying a car, or funding a business venture, Chase has trusted solutions—and if it’s a personal loan you need, the right fit is just a comparison away.
Frequently Asked Questions (FAQs)
1. Does Chase offer personal loans in 2025?
No, Chase Bank does not offer personal loans as of 2025. Borrowers looking for unsecured loan options will need to consider alternatives like credit unions, online lenders, or a HELOC from Chase.
2. Why doesn’t Chase provide personal loans?
Chase focuses on secured and structured lending products such as mortgages, auto loans, and business financing. This allows them to manage risk more effectively while offering competitive interest rates on these services.
3. What are the best alternatives to Chase personal loans?
Some great alternatives include:
- Wells Fargo and other banks offering personal loans
- Online lenders like SoFi, Lending Club, or Upstart
- Credit unions with competitive local rates
- HELOCs from Chase, if you own a home
4. Can I get a loan from Chase if I have a low credit score?
It depends on the loan type. Chase may still offer auto loans or HELOCs to borrowers with fair credit, though rates and approval chances vary. It’s best to check your eligibility at chase.com.
5. How do I apply for a loan at Chase Bank?
You can apply by:
- Visiting chase.com
- Calling customer service
- Going to a local Chase branch
Make sure you meet the requirements and have the proper documentation ready.
6. Are Chase HELOCs a good alternative to personal loans?
Yes. If you’re a homeowner, a Chase HELOC lets you tap into your home’s equity for flexible borrowing. It can often provide lower rates than traditional personal loans.
7. Where can I find current Chase loan interest rates?
Visit the official site at chase.com or call 1-800-935-9935. Rates vary based on market conditions, loan type, and your credit profile.
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