Writer: Eric Bank
Editor: Lillian Guevara-Castro
Chase Bank is one of the most respected financial institutions in the country. Unfortunately, when it comes to Chase Bank, personal loans for bad credit isn’t an option because the bank doesn’t grant personal loans no matter what — even if you have impeccable credit. However, we have two options that are perfect for loans up to $35,000, even if your credit score is less than perfect.
Both options offer signature loans, which are unsecured online loans meant to provide short-term financial help. They aren’t designed to be long-term solutions, but instead can give you a quick boost when you need extra support.
MoneyMutual & PersonalLoans.com — Get up to $35K
MoneyMutual and PersonalLoans.com each match lenders and borrowers for loans, ranging from $1,000 to $35,000. The process is simple and convenient.
1. MoneyMutual
- Short-term loans up to $5,000
- Online marketplace of lenders
- Funds available in as few as 24 hours
- Simple online form takes less than 5 minutes
- Trusted by more than 2 million customers
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| Up to $5,000 | Varies | Varies | See representative example |
- Loans from $250 to $35,000
- Large lender network
- Fast loan decision
- Use the loan for any purpose
- Funding as soon as one business day, if approved
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $250 to $35,000 | 5.99% - 35.99% | 3 to 72 Months | See representative example |
+ See More Loans for Bad Credit
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, MoneyMutual and PersonalLoans.com will match you with a lender in its network that can work for you.
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
If a lender approves your loan, you’ll be sent to the lender’s website so you can review the loan agreement. It clearly outlines the full terms and conditions, including the repayment schedule and time frame.
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
Your repayment schedule will typically be monthly or biweekly. Interest rates and loan terms can differ, and additional fees may apply. Before you accept a loan, your lender should share key details such as the APR, term, fees, penalties, and repayment terms — make sure you read everything closely before signing.
Below are a few personal loan examples from PersonalLoans.com. You’re never required to accept an offer, and it’s always smart to compare rates before making a decision.
| Amount | Period | Monthly Payment | Total Paid |
|---|---|---|---|
| $2,000 | 12 mo. | $180.52 | $2,166.20 |
| $4,000 | 24 mo. | $182.74 | $4,385.74 |
| $6,000 | 36 mo. | $199.29 | $7,174.29 |
Personal loans are difficult to obtain when you have a bad credit rating. Luckily, there are sites like MoneyMutual and PersonalLoans.com that can arrange loans even if your credit rating is less than perfect.
