- Wells Fargo, U.S. Bank, PNC, Citi and TD offer unsecured personal loans; terms and eligibility differ.
- Chase, Bank of America and Capital One do not offer traditional personal loans.
- Some banks lend only to existing customers. U.S. Bank, PNC and Citi accept new customers.
Big-bank personal loans at a glance
| Bank | Personal loans? | Amounts | APR range (approx.) | Non-customers? |
|---|---|---|---|---|
| Wells Fargo | Yes | $3,000–$100,000 | About 6.7%–26% | No: account needed for about 12 months |
| U.S. Bank | Yes, plus Simple Loan | $1,000–$50,000 | About 6.7%–25% (with autopay) | Yes, up to $25,000 |
| PNC | Yes | $1,000–$35,000 | About 7%–27% (with autopay) | Yes |
| Citi | Yes | Up to $30,000 | About 8.5%–25% | Yes, strong credit needed |
| TD Bank (TD Fit Loan) | Yes, in TD’s footprint states | $2,000–$50,000 | About 8%–24% | Yes, in eligible states |
| Chase | No (My Chase Loan for cardholders) | — | — | — |
| Bank of America | No (Balance Assist small loan only) | $300–$500 | Flat fee | Customers only |
| Capital One | No (discontinued) | — | — | — |
Bank terms change often. Figures are as reported in 2026; confirm current rates and fees on the bank’s website before you apply.
Pros and cons of a bank personal loan
- Lower rates than online subprime lenders for borrowers with good credit, often with no origination fee.
- Relationship discounts for autopay from a checking account at the same bank.
- Stricter approval. Banks usually want good credit, a low debt-to-income ratio and sometimes an existing account.
- Slower funding than payday or cash advance options, often one to a few business days.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Banks that lend without being a member
If you do not want to open an account first, U.S. Bank, PNC and Citi have accepted non-customers, though non-customers may get lower maximums or shorter terms. Online lenders and many credit unions with easy membership are other options.
Small-dollar loans from banks
Several banks now offer small, low-cost loans to their checking customers as an alternative to overdrafts and payday loans, such as Wells Fargo Flex Loan, U.S. Bank Simple Loan, Bank of America Balance Assist and Huntington Standby Cash. See bank small-dollar loans compared.
If a bank says no
Bank personal loans usually need good credit and steady income, and some banks only lend to existing customers. If a bank turns you down, compare credit union PALs, installment loans for bad credit or a short-term loan request.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Which banks offer personal loans?
Wells Fargo, U.S. Bank, PNC, Citi and TD Bank are among the big banks offering personal loans in 2026. Chase, Bank of America and Capital One do not offer traditional personal loans.
Which banks give personal loans without being a customer?
U.S. Bank, PNC and Citi have accepted non-customers. Wells Fargo requires an existing account, usually for about 12 months.
What is the best bank for a personal loan?
It depends on your credit and where you bank. Compare APR, fees, minimum amounts and whether you must be an existing customer. Prequalify with a soft credit check where offered.
Can I get a bank loan with bad credit?
It is difficult. Banks generally require good credit. Credit unions, secured loans and online lenders that serve fair or poor credit are more realistic options.