Looking for a Chase Personal Loan? They are no longer available. See our 3 better, faster, and $0-fee alternatives for good and fair credit.

Chase Personal Loan Review: No Longer Offered? (And 3 Better Alternatives for 2025)

If you’ve been searching for a Chase Personal Loan, we’ll save you the time and frustration: Chase no longer offers personal loans.

They quietly discontinued their unsecured personal loan product back in 2021 to focus on their market-leading credit cards (like the Sapphire series) and their massive mortgage division.

For millions of loyal Chase customers, this is frustrating. You trust the brand, you use their app, and you naturally wanted to get a loan from the bank you already know.

But here is the good news: The lenders that have risen to take their place are often faster, more flexible, and—in many cases—much cheaper.

You were likely looking for a Chase loan because you have good credit and wanted a trusted name. The lenders below offer exactly that, with some even providing $0 in fees, a feature most traditional banks never offered.

We’ve reviewed the top lenders in the US. Here are the 3 best alternatives to a Chase Personal Loan, based on your needs.

1. The Best $0-Fee Alternative (If You Have Good Credit)

Your Best Bet: SoFi Personal Loans

If you have good-to-excellent credit (FICO 700+), you were likely expecting a low, competitive rate from Chase. SoFi is our #1 pick to replace them.

• Why it’s better: SoFi’s entire model is built on a $0 Fee Guarantee. That means $0 origination fees, $0 late fees, and $0 prepayment penalties.
• Higher Loan Amounts: You can borrow up to $100,000, which is significantly more than most banks ever offered.
• Great Tech: Their online application is fast, simple, and you can get your rate with a soft pull (no credit score impact).

Runner-Up for Trust: Marcus by Goldman Sachs If you still want the security of a “big bank” name, Marcus is your answer. Backed by Goldman Sachs, they also offer a $0-Fee loan and compete directly with SoFi for high-credit borrowers.

2. The Best Alternative (If You Have “Fair” Credit)

Your Best Bet: Upgrade

Maybe your credit score is in the 600-700 “fair” range. You might have been hoping your relationship with Chase would help you get approved. Don’t worry—you have a much better option.

The Cost: They do charge an origination fee, but this is the trade-off for getting approved in this credit tier.

Why it’s a better fit: Upgrade is a direct lender built to say “yes” to fair credit. Their AI-powered model (like Upstart’s) looks beyond just your FICO score.

The Killer Feature: You can have Upgrade send your loan funds directly to your credit card companies, automating your debt consolidation.

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3. The Best Alternative (If You Need Money Today)

Your Best Bet: Rocket Loans

If you valued the “big brand” trust of Chase but your #1 priority is speed, then Rocket Loans is your new best friend.

The Trade-Off: Like Upgrade, they charge an origination fee. You are paying a small premium for the incredible speed and convenience.

Why it’s faster: Backed by the #1 mortgage lender in America (Rocket Mortgage), their tech is unmatched. They can approve you in minutes and get the funds in your bank account as fast as the same business day.

Don’t let a “No” from Chase stop you.

The modern, faster, $0-fee alternatives are waiting. Check your rate at our #1 pick, SoFi.

Our Final Verdict

While it’s frustrating that Chase is no longer in the personal loan game, it’s a blessing in disguise.

The modern lenders that have filled the gap are faster, more transparent, and, in the case of SoFi and Marcus, cheaper. They offer $0-fee loans that traditional banks rarely provided.

Don’t waste another minute searching for a product that doesn’t exist. Check your rate at one of our recommended alternatives—it’s free, fast, and won’t affect your score.