Chase Bank — Personal Loans for Bad Credit (2 Options)

Chase Bank — Personal Loans for Bad Credit (2 Options)
Eric Bank
By: Eric Bank
Posted: December 23, 2015's popular "How-To" series is for those who seek to improve, rebuild or better understand their subprime credit rating.

Chase Bank is one of the most respected financial institutions in the country. Unfortunately, Chase doesn’t grant personal loans, even if you have impeccable credit.

But we have two options that are perfect for loans up to $35,000, even if your credit score is less than perfect. Both offer signature loans, which are unsecured online loans that are designed to help with short-term financial assistance. These loans are not meant to operate as long-term financial solutions. & — Get up to $35K and each match lenders and borrowers for loans, ranging from $1,000 to $35,000. The process is simple and convenient.

  • Loans from $2,000 to $35,000
  • Bad credit is no problem
  • Large lender network. Available in all 50 states.
  • Use the loan for any purpose
  • Fast approval and funding (as soon as 1 business day)
  • Click here for application, terms, and details.


Overall Rating

Interest Rate In Business Since Application Length Reputation Score
6.00% and Up 1997 4 minutes 9.5/10
  • Signature loans from $1,000 to $20,000
  • Perfect credit not required
  • Use for anything - emergency expenses, medical bills, car repairs
  • Five minute application
  • Fast approval
  • Large network of lenders
  • Click here for application, terms, and details.


Overall Rating

Interest Rate In Business Since Application Length Reputation Score
Varies 1997 5 minutes 9.5/10

First, you fill out an online loan request form that is secured by advanced encryption technology. You’ll enter basic personal information, including data about your income and banking. The form will allow you to indicate how much you’d like to borrow, your credit type (excellent, good, fair, or poor) and the reason for the loan.

You’ll be Matched with a Lender Based on Your Application

Based on the information you enter, or will match you with a lender in its network that can work for you.

If the lender approves your loan, you’ll be directed to the lender’s website, where you will be able to look over the loan agreement. The agreement makes clear all the terms and conditions, including repayment terms and time-frame.

Your APR and loan amount will depend on several factors, including:

  • The lender
  • The state you reside in (not all types of loans are available in all states)
  • Your age and ability to provide a Social Security number
  • Your income
  • Having a valid checking account
  • Your credit type

Once Approved, You’ll Receive Funds Within One to Five Days

After you agree to the loan, the funds will be sent directly to your bank account within one to five days. Repayments are made directly from your bank account at the agreed intervals.

By monitoring your bank account, you can ensure that you do not trigger bank overdraft fees or late fees.

Repayment Schedule, Interest Rates, and Loan Terms Vary

The repayment schedule is usually every month or every two weeks. Interest rates and loan terms will vary. Other fees may also apply. Your lender should provide you with details about your loan, including the APR, term, fees, penalties and repayment terms before you agree to a loan — you should review this information carefully before agreeing to a loan. You are not obligated to accept a loan offer.

Personal loans are difficult to obtain when you have a bad credit rating. Luckily, there are sites like and that can arrange loans even if your credit rating is less than perfect.