Chase Bank is one of the largest financial institutions in the country and offers a broad range of services as:

  • Checking Accounts
  • Savings Accounts & CDs
  • Prepaid Card
  • Credit Cards
  • Mortgages
  • Home Equity Line of Credit
  • Car Buying & Loans
  • Planning & Investments
  • Chase Private Client
  • Business Banking

Сhase Bank offers a broad range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing.

  • Checking Accounts
  • Savings Accounts & CDs
  • Prepaid Card
  • Credit Cards
  • Mortgages
  • Home Equity Line of Credit
  • Car Buying & Loans
  • Planning & Investments
  • Chase Private Client
  • Business Banking
  • Your credit report should be free of any recent bankruptcies, foreclosures, repossessions, mortgage delinquencies, negative public records, charge offs or other credit issues. The minimal credit score is typically 680.
  • The LTV (Loan-to-value ratio) should be less than 80%.
  • Debt-to-income ratio may be acceptable up to 50%.
  • Other required documents may include paystubs, W2s, all pages of your tax return, investment and retirement income, and any other source of income.
Pros
  • With more than 5,100 branches and 16,000 ATMs, Chase’s physical footprint is huge.
  • The bank’s website and mobile app are consistently rated highly by users.
  • While it has monthly service fees on most accounts, avoiding fees are relatively easy -- especially with a direct deposit into its Chase Total Checking.
  • While some banks are condensing and consolidating, Chase has been expanding and adding branches.
  • Chase has been known to reward new customers with bonuses if they come bank at Chase.
Cons
  • Like at most big banks, rates on savings and CDs are very low.
  • High out-of-network ATM fees, with no real ways to sidestep them.
  • It might seem like Chase is everywhere, but it only has branches in 26 states.

 

 

But they don't provide Personal Loans as most people understand them - secured or unsecured long-term cash advance up to $35000 and more paid back in fixed equal installments. If that's what you are looking for, consider other alternative companies ready to satisfy your request. Among online lenders the most popular are:

1. OneMain Financial

OneMain Financial

OneMain Financial offers Personal Loans up to $20000 in 36 states online and in about 1,600 branches in 44 states in-store.

 

OneMain Financial offers Personal and Auto Loans as well as other money products at affordable rates online and in-store. 

  • MIN Loan Amount: $1500
  • MAX Loan Amount: $20000
  • Terms: 2 -5 years.
  • Rates and fees: 18% - 35.99% APR
  • Turnaround Time: Same day
  • Personal Loans
  • Auto Loans
  • Established credit history
  • US citizen or permanent resident
  • Meet your state’s minimum age requirement
Pros
  • Same day funding.
  • Secured loans available. 
  • Poor credit is not a problem.  
  • About 1,700 branches in 44 states.
Cons
  • Strict penalties for late payments. 
  • Available not in all states. OneMain Financial doesn’t operate in the following states: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont and Washington D.C. 
  • Must complete the applying process at a branch store. 
  • If you take out a secured loan, you'll be required a full coverage on the vehicle you use as collateral.

 

 

2. Lend You

LendYou

LendYou offers up to $35000 unsecured bad credit Personal Loans similar to a line of credit. They are backed by future income. This may be your next paycheck, a dividend or other type of regular income. The term of the loan is typically longer than an installment or payday loan. These loans can be used to consolidate debt or pay off high interest credit cards. Use personal loans responsibly.

 

LendYou is will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collatera or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

 

3. Greenlight Cash

Greenlight Cash

Greenlight Cash offers Personal Installment Loans up to $5000.

Greenlight Cash created an online platform to connect consumers like you with reliable lenders across the country. They partner with a large network of professionals so you get a chance to work with one of them and meet the challenge of improving your financial situation in the most effective way. Once you tap submit, you get one step closer to receiving the funds.

  • Payday Loans
  • Installment Loans
  • Personal Loans
  • be a legal U.S. resident
  • be at least 18 years old
  • have a stable source of income
  • be currently employed
  • have an active bank account
Pros
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
Cons
  • Not a direct lender.

 

 

4. Advance America

Advance America

Advance America provides up to $5000 Personal Installment Loans for 3 - 24 months.

Advance America offers personalized financial solutions, including Payday Loans, Installment Loans, Title Loans, and  Personal Lines of Credit. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $5000
  • Terms: 2 weeks - 24 months
  • Rates and fees: Vary by state
  • Turnaround Time: 1 business day
  • Payday Loans
  • Cash Advances
  • Installment Loans
  • Title Loans
  • Line of Credit
  • Online Loans

 

  • US residence
  • Age over 18
  • Valid Social Security Number
  • Valid and active Email address
  • Active checking account
  • Source of Income
Pros
  • Availability (locations in 28 states). 
  • Variety of services: payday loans, installment loans, auto title loans, line of credit. 
  • Besides loans, you can get Advance America Prepaid cards with no credit check.
  • Fast Application process.
  • Instant Approval and funds Same Day.
  • Available even for bad credit.
Cons
  • A lot of negative reviews and customer complaints. 
  • You don't know the rates and fees you'll be charged before you pre-qualify for a loan.
  • Not always Advance America follows the state's rules and limits on rates and fees. 

 

 

5. Bad Credit Loans

Bad Credit Loans

Bad Credit Loans offer bad credit unsecured Personal Loans up to $5000.

Bad Credit Loans helps borrowers with bad credit score get the necessary urgent cash up to $5000. They connect you with reliable lenders who offer lower rates and affordable terms. 

  • MIN Loan Amount: $500
  • MAX Loan Amount: $5000
  • Terms: 3 - 36 months for Installment Loans
  • Rates and fees: 5.99% - 35.99% APR
  • Turnaround Time: 1 business day
  • Personal Loans
  • Business Loans
  • Credit Cards
  • Mortgage Loans
  • Home Loans
  • Student Loans
  • Auto Loans
  • a legal citizen of the US
  • an adult (age 18 or older)
  • a valid email address
  • a working phone number
  • the bank account where you’d like the money transferred. 
Pros
  • All credit score welcome
  • No collateral requirement
  • Easy loan request form.
  • Online processing
  • Quick Loan Request Decision
  • Rapid disbursement
Cons
  • High interest rates. 

 

 

No matter which lender you choose, make sure you've learned all the details of the loan including rates, fees, terms and more. Plan your budget carefully and do your best to repay the money on time.