Also, above what credit score do they usually consider you for a loan. We are looking to get a $5k personal loan. Thank you!!
No one at the bank TOLD us they do not do personal loans…I just do not see any onformation about it on their site where they list all their services. Mortgages are NOT hard to get IF you have the appropriate credit score and make enough to affor the home you are purchasing. Moron!
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Credit unions are usually the best place. Most loans require a minimum FICO score of 620, though people with lower scores may still find money available at high interest rates. Good luck.
join a credit union
Try a local credit union. Terms and conditions are usually more accommodating, and you are less likely to get denied out of hand.
Chase does do personal loans, but not for just anybody. Personal and signature loans are almost non-existent now, anywhere in the US. You need very high and very secure income, very high credit scores (over 720, maybe 750), and a long track record with the bank, as well as a goodly sum in the bank. They are not going to mess with you for a measly $5000 because you cost them more than you’re worth. It’s easier to get rid of you by just saying they don’t do personal loans. It spares you embarrassment and a hit to your credit when you get turned down.
The amount of personal credit outstanding in the US has shrunk by almost 10% in the past year. Banks’ lending policies are extremely tough. Do not count on borrowing any money anywhere. Even collateralized loans (mortgages, car loans) are very hard to get these days.