Chase

What loans does Chase offer?

Chase offers credit cards, mortgages, a home equity line of credit (HELOC) and auto loans. Its cards range from no-annual-fee cash back cards to premium travel cards. Cardholders can also borrow from $500 with My Chase Loan, with no application or credit check, or split big purchases with Chase Pay Over Time. For homebuyers, Chase offers several mortgages, including 3%-down options and grants of up to $5,000.

Each one works differently. Below, you'll find what each costs, who qualifies and whether Chase checks your credit.

Chase credit cards

Which credit cards does Chase offer?

Chase's personal cards fall into three groups: everyday cash back cards with no annual fee, the Sapphire travel cards, and co-branded cards with partners such as Amazon and Southwest. These are the main ones, as of September 2026:

If you want to pay off an existing balance or a big purchase, the Slate card offers 0% for 21 months on purchases and balance transfers. Freedom Unlimited and Freedom Flex offer 0% for 15 months. If you're building credit, Freedom Rise is the card Chase aims at people with limited or fair credit.

What APR do Chase credit cards charge?

Chase card APRs are variable and depend on your credit. Current ranges run from about 18.24% to 28.24%. The Freedom cards start at 18.24%, the Sapphire Preferred at 19.24% and the Sapphire Reserve at 19.49%. After any 0% intro period ends, the remaining balance starts accruing interest at your regular APR.

What do you need to get a Chase credit card?

At a minimum, you need to be 18 or older and have a Social Security number or ITIN. If you're under 21, federal law requires you to show your own income, or apply with a co-signer where that's allowed. Chase also looks at your income, your existing debts and your credit history.

Your credit score matters most:

• Freedom Rise: made for people with limited or fair credit, or no credit history at all
• Freedom Unlimited, Freedom Flex, Sapphire Preferred and most co-branded cards: good to excellent credit, around 670 or higher
• Sapphire Reserve: excellent credit, around 740 or higher

Chase also tends to turn down applicants who have opened five or more new cards with any issuer in the past 24 months. This is known as the 5/24 rule, and Chase has never published it officially.

How do you apply for a Chase credit card?

1. Pick the card that fits how you spend: cash back, travel or a 0% intro APR.
2. Check your credit against the card's recommended range.
3. Apply online at chase.com or in the Chase Mobile app. You'll enter your income, housing costs and Social Security number. Applying triggers a hard credit inquiry.
4. Get a decision. Many applicants get one within minutes. Others are told their application is under review.
5. Activate the card when it arrives, and add it to your Chase account to manage it.

How does My Chase Loan work?

My Chase Loan turns part of your credit card's available credit into a fixed-rate loan. There's no application and no credit check. If your card is eligible, the offer appears when you sign in to chase.com or the Chase Mobile app.

You pick an amount, starting at $500, and a repayment period between 6 and 24 months. The money is deposited in your bank account in as little as one to two business days. Your maximum depends on your card spending and creditworthiness, and Chase shows it each time you set up a loan.

The fixed APR is lower than your card's standard purchase APR. There's no origination fee and no penalty for paying it off early.

Payments are added to your card statement. You make one payment each month that covers both the card and the loan.

Two things are easy to miss. The loan uses part of your credit limit, so you'll have less room for purchases until it's paid down. And loan transactions don't earn rewards.

What is Chase Pay Over Time?

Chase Pay Over Time (formerly My Chase Plan) lets you split a card purchase of $100 or more into fixed monthly payments. The purchase must have posted within the last 90 days.

Instead of interest, you pay a fixed monthly fee of up to 1.72% of the amount, over 3 to 24 months. You can have up to 10 plans at once. Once a plan is set up, it can't be changed or canceled.

Chase mortgages

What mortgages does Chase offer?

Chase offers conventional mortgages, jumbo loans, FHA and VA loans, and refinancing, including cash-out refinances. For first-time and moderate-income buyers, it has two low-down-payment programs:

• DreaMaker: as little as 3% down, with income limits that depend on where the home is.
• Standard Agency: also 3% down, with no income limit when at least one borrower is a first-time buyer.

Chase is licensed to lend in all 50 states.

What do you need to qualify for a Chase mortgage?

The minimum credit score depends on the loan:

Chase also reviews your income, employment and debt-to-income ratio. Expect to provide recent pay stubs, W-2s or tax returns, bank statements and a photo ID. If you're self-employed, you'll usually need two years of tax returns.

Exceptions to these minimums are possible, so a Chase Home Lending Advisor can confirm what applies to you.

How do you get a mortgage from Chase?

1. Get prequalified. Share basic details about your income, debts and savings for an estimate of how much you can borrow.
2. Get preapproved. Chase verifies your income and credit and gives you a preapproval letter to show sellers. You can do this online.
3. Apply once you have an accepted offer. Apply online, by phone or with a Chase Home Lending Advisor in a branch, and lock your rate.
4. Underwriting and appraisal. Chase checks your documents and orders an appraisal of the home.
5. Close. Review your Closing Disclosure, sign the final papers and get the keys.

What extras come with a Chase mortgage?

Chase Homebuyer Grant. In eligible areas, buyers of a primary home can get $2,500 or $5,000 that doesn't have to be repaid. The money goes first toward lowering your rate, then toward closing costs and fees. On some loans, what's left can go toward the down payment. It applies to DreaMaker, Standard Agency, FHA and VA loans, but it can't be used for an FHA down payment.

Closing guarantee. If Chase causes your closing to miss its deadline, it pays you $5,000. The guarantee covers closings within 21 days for conventional loans and 30 days for FHA loans.

Relationship discount. Existing Chase customers with qualifying balances may get a lower rate.

Chase home equity line of credit (HELOC)

How does the Chase HELOC work?

Chase's home equity line of credit (HELOC) lets you borrow against the equity in your home. Chase relaunched it in August 2025.

You can typically borrow up to 80% of your home's value minus what you still owe on the mortgage, and your existing mortgage rate stays the same. Lines run from about $25,000 to $400,000. If you draw at least 85% of the line up front, you receive it as a lump sum, and the rest remains available for three years.

The rate is variable, based on the Prime Rate plus a margin, and is capped at 18% APR. As of September 18, 2026, Chase's sample APR was 8.37%. That example assumes a $100,000 line on a primary home in Ohio and a borrower with excellent credit. Payments are interest-only for the first 10 years, followed by 20 years of principal and interest.

Chase can charge an origination fee of up to 4.99% of the line. In some states you'll also pay a mortgage recording tax. The HELOC is available nationwide except in Texas.

Who qualifies for a Chase HELOC?

You need a credit score of at least 680 and a primary or secondary home with enough equity. Chase also looks for stable income and a low debt-to-income ratio.

Chase auto loans

What are Chase auto loan rates?

Chase's advertised auto loan rates for borrowers with excellent credit who apply online, as of October 27, 2026:

You can take 0.25 percentage points off with qualifying Chase or J.P. Morgan balances. Rates at the dealership may differ from these online rates.

Chase finances purchases only through dealers in its network. The car must be for personal use, have no more than 120,000 miles, and be 10 years old or newer. For some makes the limit is 5 years.

Can you refinance your car with Chase?

Yes, if your current loan meets Chase's rules:

• The payoff amount is between $4,000 and $99,999.
• At least 12 months are left on the loan.
• You've had the loan for at least 91 days.
• The car isn't leased.
• The title isn't salvaged, branded or bonded.

You can't refinance a loan that's already with Chase, or one with certain manufacturers' finance companies, including Subaru, Rivian and Jaguar Land Rover.

Which Chase loans check your credit?

It depends on the product:

• My Chase Loan: no credit check and no application, because you're borrowing against a card you already have.
• Auto loans: applying triggers a soft inquiry. Chase runs a hard inquiry only if you're approved and finance with Chase.
• HELOCs and mortgages: a full credit review. The HELOC minimum is a 680 score.