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Chase Credit Card line of credit

Turn credit you already have into a lower-APR loan

With no application or credit check required.

MY CHASE LOAN®

Take advantage of available credit on your Chase credit card to get a flexible, lower-APR loan, with funds deposited directly into your bank account.

No credit check

No application and no new account to manage.

Lower fixed APR

Save with fixed monthly payments, at a lower rate than your Standard Purchase APR.

No fees

No origination or early pay-off 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.

How it works

Set up your My Chase Loan on chase.com or the Chase Mobile® app.

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1. Choose your loan amount ($500 minimum).

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2. Choose your payment duration — up to 24 months — depending on the loan amount.

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3. Receive the funds directly into your bank account in 1-2 business days.

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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 between 6 and 24 months 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.

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