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Chase Personal Loans Calculator, Interest Rates & Overview

Updated 4 March 2024

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Chase personal loans overview

Though Chase Bank doesn’t offer personal loans, you can choose from a variety of credit card and auto financing options. You can enjoy competitive rates, flexible repayment plans, and minimal fees to cover small expenses and vehicle purchases. On top of these, you can get cash bonuses and cash back offers based on your credit card.

Want to see what a Chase personal loan will cost? Try the Chase personal loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

Key features

Minimum loan amount: $4,000 for auto loans.
Maximum loan amount: $750,000 for car loans.
Interest rates: As low as 19.24% APR depending on the credit card.
Loan terms: Up to 72 months for car loans.
Loan fees: No application fee for vehicle loans and no annual fee for certain credit cards.
Discounts: 0% intro APR for selected credit cards.

Chase personal loan options

New and used auto loans

Chase offers flexible car loans if you’re looking to finance a vehicle. You can borrow $4,000 to $750,000 and make loan payments for up to 72 months. To check the interest rates you may have, you can get prequalified without affecting your credit score.

Credit cards

If you need access to flexible funds and make small purchases, you can opt for a credit card instead. Chase Bank has a range of credit cards you can select from to find which one meets your needs the best. Interest rates can range from 19.24% to 29.49% APR, and certain cards help you get cash bonuses and cash back.

My Chase Loans

You can also take out a loan from your Chase credit card. Through a My Chase Loan, you can borrow money from your existing card’s available credit. Plus, you get fixed monthly payments with a rate lower than your standard purchase APR. You don’t have to worry about credit checks, origination fees, and early pay-off fees, too.

Chase personal loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$20,000

Term

3 months

Change

Chase personal loans

Estimated Month Repayments

$837 Inclusive of fees

Interest Rate

28.90%
APR

Repayment Period

12 months
to 60 months

Loan Amounts

$500
to $20,000

Go to site

Take advantage of available credit on your Chase credit card to get a flexible, lower-APR loan, with funds deposited directly into your bank account.

Featured

Wells Fargo personal loans

Estimated Month Repayments

$606 Inclusive of fees

Interest Rate

5.74%
APR

Repayment Period

12 months
to 84 months

Loan Amounts

$3,000
to $10,000

Go to site

Checking and savings accounts and credit cards for your everyday business expenses and cash management.

Featured

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments

$848 Inclusive of fees

Interest Rate

29.90%
APR

Repayment Period

12 months
to 12 months

Loan Amounts

$1,000
to $20,000

Go to site

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Chase personal loan

Eligibility criteria

Though Chase Bank doesn’t specify the full criteria for financing, you commonly need to meet the following:

18 years old or older
Legal resident
Be employed or have a reliable source of income

It also helps to keep a high credit score before applying for a loan or credit card. This will show Chase that you’re a responsible borrower. So, you may have a good chance of getting approved for credit.

What you’ll need to have ready

Personal details

When you apply for personal financing with Chase Bank, you’ll be asked to provide personal information such as:

An email address
Your full name
Address
Social Security number
Employment information
Income details
U.S. citizenship status
A list of monthly expenses

Documents

You can apply for the loan directly on Chase’s website. During your application, you might need to supply additional documents or information. These may relate to your source of income, bank account details, and address history.

Since Chase doesn’t offer personal loans, keep your options open. So, compare different banks, lenders, and credit unions to find which one can help you finance your needs. Ensure you weigh your options to get a loan you can comfortably manage in the long run.

Ways to apply for a Chase personal loan

Apply online by clicking the GO TO SITE link in the table below
Visit a branch
Call 1-800-336-6675 for auto loans and 1-800-432-3117 for credit cards

Additional Chase personal loan details

Automatic payment: Available.

Loan approval times: Within 2-3 hours.

Rate discounts: Potential lower rates for applicants with excellent credit.

Repayment frequency: Monthly.

Late payment fees: Undisclosed.
Prepayment penalty: None.

Co-borrowers allowed: Yes for vehicle loans.
Co-signers: Undisclosed.

Hardship program: Available (Know your options).

Ways to repay: Online, mobile app, by phone, through mail, and in person.

PROS AND CONS

Pros

Multiple credit card options.
Competitive rates.
Flexible terms.
No application fees and prepayment penalties.
No annual fees for selected credit cards.
Co-applicants allowed for auto loans.
Convenient online application.
0% intro APR for certain credit cards.
Cash bonus and cash back for selected cards.
Prequalification available.

Cons

No personal loans.
Car purchases limited to partner dealerships.
Undisclosed late fees.

FREQUENTLY ASKED QUESTIONS

Does Chase offer personal loans?

No. Chase doesn’t offer personal loans. Nonetheless, you can choose from the bank’s range of credit cards and vehicle loans.

How much interest does Chase charge on loans?

Interest rates on personal credit cards start at 19.24% APR depending on the card you choose. Additionally, some cards come with 0% intro APR.

How fast does Chase process loans?

You may receive credit decisions in as fast as 2-3 hours. Note though that it may be longer if you need to provide additional information.

How do I pay my Chase loan?

You can make payments online, by mobile app, by phone, through mail, and in person.

Can I repay my Chase personal loan early?

Chase car loans don’t have prepayment penalties when you pay your loan sooner.

Can I apply for a Chase personal loan online?

Yes. You can easily submit your car loan and credit card application online.

Will applying for a personal loan with Chase affect my credit score?

Getting prequalified requires a soft inquiry, so this doesn’t affect your credit. But when you accept the loan offer, Chase will do a hard credit check, which will appear on your credit report. This will drop your credit score by a few points for a short while. So, ensure you meet your monthly payments to build your credit history.

Chase Personal Loans Calculator, Interest Rates & Overview