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Find out whether Chase offers personal loans to customers or not. Find out what other loans the bank offers.
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You can use personal loans for a variety of reasons: meeting an unexpected financial need, paying off another loan, or home improvement, among other reasons.
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Oddly enough, Chase doesn't offer personal loans to its customers -- despite being one of the nation's largest banks.
Find out what types of loans Chase offers and where you can look to find a personal loan.
Mortgages are loans that borrowers can use to purchase a home. Often, a mortgage is the largest loan one takes out.
Depending on the value of the home, mortgage loans can be made for hundreds of thousands or millions of dollars.
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With a fixed rate mortgage, you have a set interest rate that you pay over the life of the loan.
Most fixed-rate mortgages have repayment periods of 15 or 30 years. Once you take out the mortgage, your rate is set and never changes unless you choose to refinance the loan.
With an adjustable rate mortgage, your interest rate is set for a fixed period of time, but you can adjust it every year.
Arms are usually quoted as 5/1 arm or 3/1 arm. The first number is how many years the initial rate is locked in. The second number is how many years must pass between each rate change.
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Home equity lines of credit allow you to turn some of the home equity you've built up into a source of cash.
A HELOC works like a credit card, but instead of swiping a card at the grocery store, you withdraw money from your line of credit.
Each month, you will earn an interest rate on your balance. The good news is that the interest rates on HELOCs are much lower than credit card rates because your home is collateral for the loan.
You can take a car loan to buy a new or used car. Chase offers four-, five-, and six-year loans. The interest you pay depends on the type of car, the amount of the loan, your credit and the price. In general, loans for new cars have lower rates than loans for used vehicles.
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Credit cards are one of the most common types of loans available. When you go to shop at the store, you can swipe your card instead of paying. Each month, you can pay the balance in full or make a smaller payment.
If you don't pay off your credit card balance in full each month, you'll start getting charged interest. Interest on credit cards can be unusually high, exceeding 20%, so paying them off quickly is the best choice.
Many credit cards offer cash back or travel rewards, so using them instead of cash is a good way to save money.
For business owners, a business line of credit provides short-term access to cash. If you need some extra cash to buy supplies or cover expenses while you wait for your customers to pay you, a business line of credit can help.
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Business equipment financing is designed to help business owners purchase expensive machinery and equipment. Whether you need to buy a vehicle, equipment or other expensive equipment, this loan will get you the money you need.
If you need a personal loan because none of the loans offered by Chase meet your needs, there are several options:
You can borrow for three to five years and there is no prepayment penalty, so you can pay off the loan in full at any time.
It uses a unique formula that takes into account your education history, work history and field of study.
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By further personalizing applicants, Upstart can offer interest rates that better reflect your true creditworthiness.
You have up to five years to repay the loan. You can use a personal loan for big expenses like a wedding, loan consolidation or an unexpected bill. You can further reduce interest by setting up AutoPay from a Santander checking account.
When you apply for a loan from Lending Club, you will have to wait for investors for the loan.
Instead, ordinary people will fund a small portion of your loan. When you repay the loan and interest, the people who paid for the loan get their money back.
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Lending Club offers personal loans for credit card refinancing, vacations, home improvements, and medical bills.
To apply for a personal loan you need to visit the website of the loan company. To allow the company to search your credit history, you will need to provide certain identifying information, such as:
The loan company will take all the information you provide and decide whether to grant you the loan. This information will also be used to determine the interest rate you pay.
While it may seem like a lot of information to collect, the less information the lender needs, the more expensive the loan.
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This is because more information allows the lender to accurately analyze your risk of defaulting on the loan. Lenders who cannot analyze the risk charge more to compensate for this.
The most obvious is to improve your credit score. In the short term, the best way to do this is to pay off your credit cards to improve your credit utilization.
If there are bad marks on your credit report, you can also try to arrange a payment-for-credit agreement.
Another option is to make sure you are applying for the right reason. Lenders offer more loans to someone looking to consolidate and pay off their debt than someone financing a vacation.
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You can lower this ratio by earning more, perhaps from a side job, or by paying off some existing debt. Either way, the lower the ratio, the more resources you have to lend.
Personal loans can be useful in a wide variety of situations and many companies have started offering them. Whether you need a loan to pay bills or refinance debt, taking out a personal loan can help you reach your goals.
TJ Porter has extensive experience reviewing financial products such as savings accounts, credit cards and brokerages, writing how-tos and answering financial questions. He has contributed to publications and companies such as InvestmentZen and Echo Fox. He aims to provide readers with actionable advice that will help them improve their financial lives. Education: B.S. in Business Administration with a concentration in Information Systems from Northeastern University.
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