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Unlock Flexible Financing with My Chase Loan
My Chase Loan is a convenient financing option available to eligible Chase credit card holders. It allows you to convert part of your available credit limit into a fixed-rate loan with predictable monthly payments. There’s no need for a separate credit check or new account, making it a simple way to fund large purchases, consolidate expenses, or manage unexpected costs. With flexible repayment terms and clear pricing, My Chase Loan offers control and transparency.
No New Credit Check
Access funds without submitting a new loan application or impacting your credit with a hard inquiry.
Fixed Monthly Payments
Enjoy predictable payments with a fixed interest rate and set repayment schedule.
Funds Directly to Your Account
Receive the money directly in your bank account, ready to use for almost any purpose.
My Chase Loan is a feature available to select Chase credit card customers that lets you borrow against your existing credit line. Instead of using your card for purchases with variable interest, you can convert a portion of your available credit into a fixed-rate installment loan.This means you’ll know exactly how much you owe each month and when your loan will be fully paid off. Loan amounts, interest rates, and repayment terms vary based on your credit profile and available credit. Since the loan uses your existing credit card account, there’s no need to open a new line of credit.Funds can be deposited directly into your checking or savings account, making it easy to pay for home improvements, medical bills, travel, or other large expenses. Because you’re using part of your credit limit, your available credit will decrease by the loan amount, but you’ll benefit from structured, predictable payments instead of revolving balances.My Chase Loan is designed for convenience, transparency, and flexibility—ideal for cardholders who want more control over repayment.
Does My Chase Loan require a separate credit check?
No. My Chase Loan uses your existing credit card account, so there’s no additional hard credit inquiry.
Will this affect my available credit?
Yes. The loan amount will reduce your available credit on your Chase card until it’s repaid.
Can I pay off My Chase Loan early?
Yes. You can pay off the loan early, but it’s important to review your specific terms for any details regarding early repayment.
How do I know if I’m eligible?
Log in to your Chase online account or mobile app to check if you have a My Chase Loan offer available.
What can I use the loan for?
Funds can typically be used for almost any purpose, including consolidating debt, covering emergencies, or financing major purchases.
How to Apply for My Chase Loan
Applying for My Chase Loan is quick and simple if you’re eligible. First, log in to your Chase online account or mobile app. Navigate to your credit card account to see if you have a My Chase Loan offer available. Not all cardholders qualify, so availability depends on your account status and credit profile.If you’re eligible, you’ll see loan amount options based on your available credit limit. Select the amount you’d like to borrow and review the available repayment terms. Terms typically range from several months to a few years. You’ll also see your fixed interest rate and exact monthly payment before confirming—there are no hidden surprises.After reviewing the terms, confirm your selection. Once approved, the funds are typically deposited into your designated bank account within a few business days. Repayments are added to your regular credit card bill as fixed monthly installments.Be sure to continue making at least your minimum credit card payment on time each month to keep your account in good standing. Always review the terms carefully to ensure the loan fits your financial situation and long-term goals.
