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  3. Getting an Unchained loan

Where does Unchained lend?

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.