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My Chase Loan: A flexible financing option for Chase cardholders
My Chase Loan lets eligible cardholders convert part of their credit card balance into a fixed-rate installment loan with no separate application or credit check, offering predictable payments for planned expenses or larger purchases.
No Credit Check
Since it's based on your current Chase card account, you won't undergo a separate hard credit inquiry to qualify.
Fixed Interest Rate
You lock in a fixed APR for the life of the loan, helping you plan ahead with predictable monthly payments.
No Additional Fees
There are no origination or service fees—what you see is what you pay, with no surprises.
Applying for a My Chase Loan is incredibly simple—because if you're eligible, the offer is already waiting for you inside your Chase account. There's no need to fill out lengthy applications or submit income verification documents. To get started, log in to your Chase online or mobile account. If you qualify, you’ll see the “My Chase Loan” option under your credit card account. Select the amount you'd like to borrow (usually based on your available credit), review the fixed APR and repayment terms, and choose where you want the funds sent—either directly to your checking account or credited to your card. Once confirmed, your first payment will be due as part of your next credit card statement.
What Is the My Chase Loan and How Does It Work?
The My Chase Loan is a streamlined lending feature that allows Chase cardholders to borrow against their existing credit line. Instead of going through a traditional loan process, eligible customers can log into their Chase account and select a preset amount (based on available credit) to convert into a loan. Unlike traditional personal loans, the My Chase Loan doesn't require a new loan application, which means no paperwork, no waiting, and no hard pull on your credit. You’ll get a fixed APR, and you can choose your repayment term—typically from 3 to 24 months—based on what works best for your budget. Payments are automatically added to your credit card's monthly bill, making it easy to keep track.
What is the minimum amount I can borrow with My Chase Loan?
The minimum loan amount varies, but it typically starts around $500, depending on your available credit and eligibility.
Does My Chase Loan affect my credit score?
No, since there's no hard inquiry, it won't impact your credit score. However, missing payments could affect it.
How long does it take to receive the funds?
Funds are usually available within 1–2 business days, or instantly if applied as a statement credit.
Can I pay off My Chase Loan early?
Yes! There are no penalties for early repayment. You can pay off the full amount anytime to save on interest.
How to Apply for the Chime Loan
Applying for the Chime Loan starts with having an active Chime account in good standing. Eligible users can check available loan offers directly in the Chime app, where they can review loan amounts and repayment terms. After selecting an offer, the application is completed digitally by verifying identity and confirming account information. If approved, funds are deposited directly into the Chime account. Repayments are typically scheduled automatically, helping borrowers stay organized and avoid missed payments.
