Best Personal Loans From Top Lenders in 2025

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Key takeaways

Personal loans are versatile. You can use them for a wide variety of needs, including debt consolidation, emergencies, and home improvements.
The best lenders will offer loans with affordable repayment terms, low interest rates, and few fees.
Prequalifying for a loan helps you compare options without affecting your credit score.

Now and then, everyone could use a bit of extra cash. You may need to cover medical bills, pay for a move, or finish a home improvement project. A personal loan can be the answer.

These loans are versatile – you can use them for almost any purpose. Their flexibility, low interest rates, and fast access to cash make them a smart choice for many consumers. The question is, how do you know which loan to choose?

We’ve compiled what you should look for in a lender and how to get a loan with the best rates. The best personal loan will be affordable and help you achieve your goals.

What is a personal loan?

A personal loan is an installment loan. You receive the money in a lump sum and repay it in monthly installments. Personal loans are typically repaid over one to seven years at a fixed interest rate. Loan amounts range from $250 to over $100,000, and the annual percentage rate (APR) typically does not exceed 36%.

Most personal loans are unsecured. As an unsecured loan, they do not require collateral. Lenders look at your credit score, credit history, and debt-to-income ratio (DTI) to determine if you qualify. The higher your score and the lower your DTI, the more likely you will be approved with favorable terms.

Personal loans are available from banks, credit unions, and online lenders. The funding timeline varies, but you can expect to receive your funds within one to two business days. You can use the loan proceeds for various purposes, such as home repairs, medical expenses, or consolidating credit card debt.

Reasons to get a personal loan

Common uses for personal loans include:

Emergencies: Life is unpredictable. A personal loan can give you immediate access to cash to cover medical bills, car repairs, funeral costs, or anything else you need.

Debt consolidation: Personal loans are a good way to pay off several high-interest debts. You can simplify your payments, save money on interest, and possibly get out of debt faster.

Home improvement: When it’s time to update or repair your home, personal loans can help with financing. They can be more appealing than secured loans like a home equity loan or lines of credit (HELOC) since you do not have to risk your house.

Major expenses: Weddings, vacations, and moving all cost money. Personal loans can cover these expenses without tapping into savings.

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Where to take out a loan

Finding the right personal loan lender is key to getting the best terms. Potential lenders include online lenders, banks, and credit unions.

Online lenders

Online lenders are popular for securing funding quickly. They often have competitive rates, flexible loan terms, and lenient requirements. Many online lenders will approve borrowers with poor or fair credit. What makes them so appealing is that they are easy to apply for. It usually takes less time to be approved and funded, as everything is done online.

Banks

Banks are a good option if you are already a customer. If you have a good relationship with your bank, you may be able to get a lower rate. In general, banks charge fewer fees and have competitive interest rates. That said, they do have stricter eligibility requirements than online lenders. The application process is also lengthy, and it will take longer to get approved. Not all major banks offer personal loans. Bank of America and Chase do not whereas Wells Fargo, U.S. Bank, and Discover do offer personal loans.

Credit unions

Credit unions are nonprofit organizations. They tend to have lower rates and fewer fees than banks and online lenders. In fact, interest rates at federal credit unions are capped at 18%. They are also more willing to consider applicants’ complete financial picture, making it easier for consumers with lower credit scores to secure loans. Membership is required, but joining is often straightforward.

Tips to get the best personal loan

When searching for a personal loan, you will be inundated with options. Here are a few things to watch out for as you sort through potential lenders.

Whenever possible, prequalify

Prequalifying is a smart first step. When you prequalify, you submit financial details, and the lender does a soft credit check, which does not affect your credit score. You receive potential offers and can compare them. Look at the interest rates, fees, loan amounts, and monthly payments. Then apply for the best one. There’s no guarantee that you’ll be approved, but you know you meet the lender’s basic criteria.

Look for perks

Some lenders offer perks and benefits that can make their loans more appealing. They may give rate discounts if you set up automatic payments, let you change due dates, or offer an extra long repayment term. Certain lenders will pay your creditors directly if you take out a debt consolidation loan. Take time to research and understand what perks or discounts each lender offers. They can add value beyond just a competitive rate.

Watch out for hidden fees

While evaluating loan offers, consider the fees. Your lender may deduct an origination fee of 1% to 12% from the loan proceeds. Or may charge a prepayment penalty if you pay back the money early. Almost all lenders will charge a late payment fee. Knowing the lender’s fee structure will help prevent nasty surprises.

Read customer reviews

Customer reviews can provide valuable insight into the lender’s reputation and service quality. You learn about other borrowers’ experiences with loan funding, monthly payments, and customer service. Customer support may not seem like a big deal at first, but if you encounter issues, it can be crucial. Reviews can attest if this is a good fit.

Personal loan interest rates

Personal loan interest rates range from 6% to 36%, the highest rate financial experts deem affordable. The Federal Reserve Bank of St. Louis found that at the end of Q4 2024, the average rate for personal loans from commercial banks stood at 12.32%.

The interest rate you get depends on your credit score, income, current debt obligations, and type of loan. Lenders may also consider if you own your home, education level, and work history.

If you have a higher credit score, you are likely to receive a lower interest rate and larger loan amounts. If your score falls in the fair or poor range, you will likely pay more in interest over the life of the loan. The higher rate is because you’re more likely to default.

You may secure a lower interest rate even with bad credit if you have a steady income, low DTI, or a record of on-time payments. Lenders may also offer lower rates for shorter loan terms, higher amounts, or if you set up autopay.

Credit Score Range	Typical Interest Rate (%)
Excellent (720-850)	10.73% – 12.50%
Good (690-719)	13.50% – 15.50%
Fair (630-689)	17.80% – 19.90%
Bad (639-300)	28.50% – 32%

Data from Bankrate

How to compare personal loans

Take the time to compare personal loan offers to ensure you get the best deal. Keep the following in mind.

APR

The annual percentage rate (APR) represents the interest rates and fees the lender charges. It is the total yearly cost of borrowing. APRs make it easy to compare the cost of loans and other financial products – like credit cards. Generally, the lower the APR, the more affordable the financial product.

Fees

Fees can add up quickly. Common fees include application fees, late fees, prepayment penalties, returned payment, and origination fees. Some fees are avoidable, others are not. Look for lenders with few fees to minimize the cost of borrowing.

Repayment term

The repayment term is the length of time you have to repay the money. It can affect your monthly payment and total interest paid. A longer term means lower monthly payments but more interest over time. A shorter term gives you higher monthly payments, but you’ll save money in interest. Choose the shortest term that you can afford.

Funding timeline

The funding timeline is how quickly a loan is processed and delivered. Some lenders offer same-day funding, while others might take several business days. If you need the money urgently, choose a lender with faster access to funds.

Payment flexibility

Payment flexibility refers to options for managing your loan payments. You can choose your initial due date or change when payments are due multiple times. Others offer deferment or forbearance in times of financial hardship. Flexible payment options can be a lifesaver if unexpected expenses arise.

Personal loan pros and cons

Pros:

Few restrictions on how funds are used
The APR is generally lower than that of credit cards
No collateral needed
Interest rates are fixed
Faster funding than secured loans
Consolidate high-interest debt
Spread out a significant expense
Predictable monthly payments for a set period
Timely payments help build credit
Receive the money in a lump sum

Cons:

Interest rates can be high for bad credit borrowers
Lenders may charge additional fees or penalties
Will increase your debt load
No continual borrowing
Potentially high monthly payments
Missed payments will hurt your credit score
Cannot use the funds for business or school expenses

Step-by-step loan process

Follow these steps to make the application process go smoothly.

1. Check your credit score: Before applying, know where you stand. Most lenders have minimum credit score requirements to qualify, but not all. Your score also helps determine what interest rate you’ll receive. A good credit score can help you secure the lowest rates and favorable terms. If your score is lower than expected, check your credit report for errors.

2. Review your debt-to-income ratio: Your DTI is your current debt compared to your income. It indicates to lenders if you can handle more debt. Most lenders require a DTI under 43%. Knowing your DTI helps you figure out what terms you’ll qualify for.

3. Determine your borrowing limit: Figure out how much you need to borrow. Then, look at how much it will cost regarding fees and interest. It’s important only to borrow what you can afford to repay without straining your finances.

4. Understand lender requirements and gather your paperwork: Each lender has different eligibility criteria. Make sure you qualify with the lender. Then, gather the necessary documents. What you’ll need varies, but typically, lenders will require proof of income – a W-2, a recent pay stub, or bank statements. You’ll also need your address, government-issued ID, and Social Security number.

5. Consider a co-applicant: A co-applicant with a good credit history, low DTI, and steady income can boost your approval odds. The lender will consider you less risky. You are more likely to receive a lower APR with more favorable terms.

6. Prequalify and compare options: Prequalify with at least three lenders. Comparing offers is key to securing the best personal loan rates.

7. Calculate monthly payments: Use a personal loan calculator to estimate how much you will pay each month. Your monthly payments must be affordable. Not being able to afford payments can worsen your financial situation.

8. Choose a lender and apply: Pick a lender and submit a formal personal loan application. The lender will conduct a hard inquiry, which can temporarily lower your credit score by a few points. The approval process can take a few business days up to one week.

9. Receive funds: Once approved, you must sign the loan agreement. Always read the fine print first. After you sign, your funds will be deposited directly into your bank account. This usually takes one to two business days.

10. Start repayment: Begin repayments as per loan terms. Consider signing up for autopay so that you never miss a due date.

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Frequently asked questions

1. How long does it take to get a personal loan?

Most lenders approve applicants within a few minutes to a few business days. Online lenders often offer same-day or next-day funding. Banks and credit unions generally take longer due to additional verification steps.

2. Can I get a loan with bad credit or fair credit?

Yes, many lenders offer loans for borrowers with bad or fair credit. While you can borrow money, you will receive a higher interest rate and pay additional fees. Building credit before you apply can help you secure better loan options.

3. How does a personal loan impact your credit score?

When you apply for a loan, the lender will conduct a hard inquiry, temporarily dropping your score by 5 to 10 points. Make on-time payments and your score will increase. Missed or late payments will negatively impact your score.

4. How much can I borrow with a personal loan?

The amount you can borrow depends on the lender, your income, credit score, and current debt, among other factors. Most personal loans range from $1,000 to $100,000, but some lenders may offer smaller or larger amounts.

Bottom line

Personal loans are an easy way to get the funds you need. Be it for consolidating credit card debt, making home improvements, or repairing your car. With numerous lenders on the market, it is possible to borrow even if your credit’s not the best.

It is essential that you manage your loan well. Before you borrow money, make a plan to pay it back. Take a look at the repayment timeline and calculate your monthly payments. Then, adjust your spending habits to ensure you can make payments on time. If you are in danger of missing a payment, contact your lender. Many lenders offer hardship programs or other relief options.

Repaying a personal loan as agreed can improve your financial health. You get a higher credit score and access to even more financial products with favorable terms.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

2. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees. Build Card: Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

3. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

4. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

5. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

6. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.

7. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank.

8. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

9. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.

10. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.

11. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

12. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.

13. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

14. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

15. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

16. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

17. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

18. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

19. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

20. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

21. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

22. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

23. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

24. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

25. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

26. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

27. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

28. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

29. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

30. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

31. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

32. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

33. Tipping or not tipping has no impact on your eligibility for SpotMe®.

34. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

35. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

36. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

37. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

38. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

39. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

Best Personal Loans From Top Lenders in 2025

Key takeaways

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