Personal Loans at Big US Banks (2026): Which Banks Still Offer Them — and Which Don’t

Here is a fact that surprises most Americans: some of the biggest banks in the country do not offer personal loans at all. You can walk into a Chase or Bank of America branch, where you have banked for a decade, ask for an unsecured personal loan — and be told the product does not exist. Not that you do not qualify. That it does not exist.

That is the honest story of personal loans at big U.S. banks in 2026: a short list of banks that still lend, a longer list of famous names that quietly exited, and rates that reward existing customers far more than walk-ins. This guide names each bank either way, with the figures to prove it.

The banks that do NOT offer personal loans

Start with the disappointments, because they are the names most people try first.

Chase does not offer unsecured personal loans. The product does not exist at this bank, for new or existing customers. Chase exited the unsecured personal loan market and has not returned. What Chase does offer existing cardholders is My Chase Loan, which lets you borrow against your own credit card limit at a fixed APR with fixed monthly payments and no origination fee — useful, but it is a feature of your credit card, not a personal loan, and it is not available in the first 180 days after you open a card.

Bank of America does not offer personal loans either. It lends through credit cards, mortgages, auto loans and home equity lines of credit, but not through an unsecured personal loan. Capital One is in the same position: it used to offer personal loans and no longer does. And Marcus by Goldman Sachs, once a popular online personal lender, stopped making new loans entirely in January 2023.

If your main bank is one of these four, you are not a bad borrower — you are at the wrong bank for this product. The rest of this guide is about where to go instead.

The big banks that still lend

Wells Fargo is the largest traditional bank still in the personal loan business, and the best brick-and-mortar option for most borrowers. It offers unsecured personal loans from $3,000 to $100,000, with fixed rates and no origination fee. On its own rates page, Wells Fargo advertises APRs from 6.74% — that figure is for a loan of at least $10,000 over three years and includes a 0.25% relationship discount, with rates shown as of 7 October 2026. Its representative example: $15,000 borrowed over 48 months at 14.99% APR means a $417 monthly payment. Two catches: Wells Fargo only offers personal loans to existing customers, and you generally need to have held an account for at least 12 months to qualify.

U.S. Bank lends $1,000 to $50,000 to existing clients, and up to $25,000 to non-clients, over terms of 12 to 84 months. On its own personal loan page, U.S. Bank states a fixed APR range of 8.24% to 24.99% as of 26 October 2026, varying by credit score, loan amount, purpose, term and autopay selection; the lowest rate requires a loan of $10,000 or more, a 12-to-36-month term, a credit score of 800 or higher, and a home-improvement purpose with autopay. Its payment example: a $10,000 loan at 12.60% APR over 36 months costs $335.02 a month. Existing customers approved with a U.S. Bank checking account can often get funds the same day. One limitation: U.S. Bank personal loans are not offered in about half of U.S. states, mostly in the Northeast and some Southern states.

PNC Bank offers unsecured personal loans from $5,000 to $35,000, with no origination fee and a 0.25% rate discount for autopay from a PNC checking account. PNC’s own unsecured personal loan page lists APRs currently ranging from 6.99% to 25.29%. PNC is a strong fit if you want to sign documents in a branch and value in-person service over the broadest online experience.

TD Bank offers one personal loan product, the TD Fit Loan: an unsecured fixed-rate loan from $2,000 to $50,000, at 7.99% to 24.99% APR, over 36 to 60 months, with no origination, application or prepayment fee. The big limitation is geography: the TD Fit Loan is only available to residents of 15 East Coast states plus Washington, D.C. — Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont and Virginia. Borrowers in roughly 35 other states, including California, Texas, Illinois and Ohio, are not eligible. You can check whether you prequalify with a soft credit pull that does not affect your credit score.

Discover still lends, with personal loans from $2,500 to $40,000 at fixed rates from 6.99% to 24.99% and no origination fee, and a published minimum credit score of 660. American Express offers personal loans from $3,500 to $50,000 at 6.99% to 19.99% APR. Citizens Bank lends $5,000 to $15,000 at 6.79% to 20.88% APR. Citi also still offers personal loans, though its rates and terms are shown only after a personalized quote.

What a bank personal loan actually costs

A personal loan is an unsecured installment loan: you borrow a lump sum, pay a fixed monthly amount over a fixed term, and the rate never changes. The average personal loan interest rate sits at about 12.26% as of early 2026, according to industry comparisons, but your rate depends on your credit score, the lender, and the term. A borrower with excellent credit might see a rate under 8%; a borrower with fair credit might be quoted 20% or more for the same loan.

The total cost is what matters, not the monthly payment. A $10,000 loan at 8% APR over three years costs about $1,282 in interest; the same loan at 18% APR over five years costs about $5,000 in interest and takes two years longer to clear. Always compare the total interest and the APR — the APR includes fees and is the only number that lets you compare lenders honestly — and watch for origination fees, which some lenders charge upfront as a percentage of the loan. Every bank in this guide charges no origination fee, which is one reason bank loans are often cheaper than online lenders that do.

How to choose

First, check your own bank — if it lends, and you have been a customer for a year or more, that is usually your cheapest and fastest route, because relationship discounts and existing-customer underwriting work in your favour. Second, if your bank is Chase, Bank of America or Capital One, do not waste time applying there; go straight to the banks above or to a credit union, where average rates run lower than banks at around 10.72%. Third, get quotes from two or three lenders and compare the same loan amount and term on APR, fees and total interest — not on the monthly payment alone. Fourth, check the fine print for your state: TD’s 15-state limit and U.S. Bank’s state restrictions catch people out after they have already applied.

And a warning that applies to every lender on this page: a personal loan is real debt at a real rate. Borrow only what you need, for a purpose that justifies the interest — consolidating high-rate card debt, a necessary repair, a medical bill — and never borrow to fund spending you could not otherwise afford.

FAQ

Does Chase offer personal loans? No. Chase does not offer unsecured personal loans to any customer. Existing cardholders can use My Chase Loan, which borrows against a credit card limit at a fixed APR, but it is not a personal loan.

Does Bank of America offer personal loans? No. Bank of America does not offer personal loans, but it offers credit cards, auto loans, mortgages and home equity lines of credit.

Which big banks offer personal loans in 2026? Wells Fargo, U.S. Bank, PNC Bank, TD Bank, Discover, American Express, Citizens Bank and Citi still offer unsecured personal loans, with rates generally from around 6.7% to 25% APR depending on credit and terms.

What credit score do I need for a bank personal loan? Most banks want good credit, generally a FICO score of 660 or higher. Wells Fargo and Discover both publish or indicate a 660 floor. Below that, a credit union or a secured loan may be a better route than a bank.

A final, honest note

The personal loan market at big banks has quietly shrunk: the names on the most branches are often the ones that no longer lend this way. That is not a reason to give up on a bank loan — Wells Fargo, U.S. Bank, PNC and TD still lend on fair terms with no origination fees — but it is a reason to check before you apply, and to compare the APR and total interest across at least two lenders rather than taking the first offer. Rates change, so verify the current APR on the bank’s own site before you apply. This article is information only, not financial advice; rates, amounts and eligibility vary by bank, credit profile and state.

Sources named in the text: Wells Fargo personal loan rates page (wellsfargo.com), rates as of 7 October 2026; U.S. Bank personal loan page (usbank.com), APR range as of 26 October 2026; TD Bank TD Fit Loan product page, via 2026 reviews; LendEDU best banks for personal loans 2026; WalletHub Chase and Bank of America personal loan pages, rates current as of 2 October 2026; Discover personal loan terms via 2026 comparisons verified against discover.com. Figures checked 5 November 2026.