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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

What is My Chase Loan?

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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.

How is My Chase Loan different from a traditional loan?

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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.

What is the minimum and maximum amount of money I can request for My Chase Loan?

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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.

Can I continue to use my Chase credit card after requesting a My Chase Loan?

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You can continue to make purchases using your Chase credit card as long as you have available credit to do so.

Can I pay off a My Chase Loan early, and will there be a penalty for doing so?

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You can pay off your My Chase Loan balance early without any penalties by paying your statement balance in full.