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Guides

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

Eric Bank 5/11/18

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. However, 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.

BadCredit.Loans.com & PersonalLoans.com — Get up to $35K

BadCreditLoans.com and PersonalLoans.com each match lenders and borrowers for loans, ranging from $1,000 to $35,000. The process is simple and convenient.

4.8 /5.0 Stars
  • Loans from $500 to $5,000
  • Helping those with bad credit since 1998
  • Get connected with a lender
  • Simple form & quick funding
  • Get your money as soon as next day
  • See official site, terms, and details »
Loan Amount $500 to $5,000
Interest Rate 5.99% - 35.99%
Loan Term 3 to 60 Months
Loan Example
Representative example
Our Expert Review 4.8/5.0 (see review)
4.7 /5.0 Stars
  • Loans from $500 to $35,000
  • Bad credit is no problem
  • Available in all 50 states
  • Use the loan for any purpose
  • Fastest approval and funding
  • See official site, terms, and details »
Loan Amount $500 to $35,000
Interest Rate 5.99% - 35.99%
Loan Term 3 to 72 Months
Loan Example
Representative example
Our Expert Review 4.7/5.0 (see review)

+ 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, BadCreditLoans.com 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 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.

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.

The following are personal loan examples from PersonalLoans.com. You are not obligated to accept a loan offer, and should always shop around for the best rates.

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 BadCreditLoans.com and PersonalLoans.com that can arrange loans even if your credit rating is less than perfect.

About Eric Bank
Based in Chicago, Eric Bank has been writing business-related articles since 1985, and science articles since 2010. His articles have appeared in "PC Magazine" and on numerous websites. He holds a B.S. in biology and an M.B.A. from New York University. He also holds an M.S. in finance from DePaul University.
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