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Turn available credit into a lower-APR loan
With no application or credit check required.
Don't have a Chase credit card? Find a card that fits your needs.
MY CHASE LOAN®
Take advantage of credit you already have on your Chase credit card to get a flexible, lower-APR loan, with funds deposited directly into your bank account.
No credit check
No credit check
No application and no new account to manage.
Lower fixed APR
Lower fixed APR
Save with fixed monthly payments, at a lower rate than your Standard Purchase APR.
No fees
No fees
No origination or early payoff fees.
Plus, My Chase Loan uses only a portion of your card’s available credit — so you can continue to use your card for purchases.
Set up your loan in three simple steps
My Chase Loan is available on chase.com or the Chase Mobile® app.
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1. Choose your loan amount ($500 minimum).
Illustrative example only
2.Choose a payment duration — based on your loan amount.
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3. Receive the funds directly into your bank account in as little as 1-2 business days.
Illustrative example only
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How it works
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This feature is available to eligible cardmembers. To see if My Chase Loan is available to you, please sign in to chase.com.
Frequently asked questions
My Chase Loan is a feature that allows you to borrow money from your existing card's available credit. You'll pay it back over a set period of time based on your loan amount with a fixed Annual Percentage Rate (APR) that's lower than your standard purchase APR.
Unlike traditional loans, with My Chase Loan there’s no need for an application, credit check or a separate account to manage. My Chase Loan allows you to borrow money from your existing card’s available credit. We’ll show you a single statement, and you’ll have one monthly payment due on your credit card account.
The minimum amount you can request for My Chase Loan is $500. The maximum amount you can request can vary based on your monthly spending, creditworthiness and other factors. Each time you set up a new My Chase Loan, we’ll tell you the maximum amount you can request.
You can continue to make purchases using your Chase credit card as long as you have available credit to do so.
You can pay off your My Chase Loan balance early without any penalties by paying your statement balance in full.
