We offer wide coverage across most U.S. states for personal and business loans.
Clients may apply for loans if they live in the states shown in green below. This information is subject to change at any time. We are constantly expanding our reach and hope to work with more borrowers across the country soon.
Tip: If you're a new client at Unchained you can sign up for a free consultation to learn more. We also offer our Concierge Onboarding service if you need help setting up your keys, vault, or loan.
Below are the states and territories approved for lending:
Loans to U.S. clients are originated by Lead Bank, an FDIC-insured Missouri state-chartered bank. Lead Bank is an equal-opportunity lender.
| State | Availability |
| Alabama | Personal, Business |
| Alaska | Personal, Business |
| Arizona | Personal, Business |
| Arkansas | Personal, Business |
| California | Personal, Business |
| Colorado | Personal, Business |
| Connecticut | Personal, Business |
| Washington, D.C. | Personal, Business |
| Delaware | Personal, Business |
| Florida | Personal, Business |
| Georgia | Personal, Business |
| Hawaii | Personal, Business |
| Idaho | Not available |
| Illinois | Personal, Business |
| Indiana | Personal, Business |
| Iowa | Personal, Business |
| Kansas | Personal, Business |
| Kentucky | Personal, Business |
| Louisiana | Personal, Business |
| Maine | Personal, Business |
| Maryland | Personal, Business |
| Massachusetts | Not available |
| Michigan | Personal, Business |
| Minnesota | Personal, Business |
| Mississippi | Personal, Business |
| Missouri | Personal, Business |
| Montana | Personal, Business |
| Nebraska | Personal, Business |
| Nevada | Not available |
| New Hampshire | Personal, Business |
| New Jersey | Personal, Business |
| New Mexico | Not available |
| New York | Not available |
| North Carolina | Personal, Business |
| North Dakota | Not available |
| Ohio | Personal, Business |
| Oklahoma | Personal, Business |
| Oregon | Personal, Business |
| Pennsylvania | Personal, Business |
| Rhode Island | Personal, Business |
| South Carolina | Personal, Business |
| South Dakota | Not available |
| Tennessee | Personal, Business |
| Texas | Personal, Business |
| Utah | Personal, Business |
| Vermont | Not available |
| Virginia | Personal, Business |
| Washington | Personal, Business |
| West Virginia | Personal, Business |
| Wisconsin | Personal, Business |
| Wyoming | Personal, Business |
Personal loans
Clients may apply for personal loans in most U.S. states. Personal loans may be used for personal or household purposes such as financing home projects, taking care of unexpected expenses, or consolidating or refinancing debt.
Business loans
Clients may apply for business loans in most U.S. states. Commercial loans may be used for legitimate business purposes such as funding business expansion, freeing up working capital, or helping consolidate business debt.
California loans
A married or registered domestic partner applicant may apply for a separate account. Loans to California borrowers may be made pursuant to California Department of Financial Protection and Innovation Financing Law License No. 60DBO-78867.
Puerto Rico
Unfortunately, loans are not available in Puerto Rico.