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• Personal loan

PERSONAL LOAN

Get funds when you need them.

Whether you want to consolidate debt or fund a major purchase, a U.S. Bank Personal Loan can give you quick access to funds for your one-time financing needs.

COVID-19 assistance for personal loans

If you've been financially affected by COVID-19, you may be eligible for a loan extension. Log in to your account to request an extension.

Personal loan details

Annual Percentage Rate (APR)

Depending on your creditworthiness, our fixed APR ranges from 6.49% APR to 16.49% APR.1

Fees

When you take out a personal loan, you’ll pay no origination fees and there is no prepayment penalty. You’re always free to make loan payments ahead, in part or in full.

Terms

You can choose a term from 12 months to five years to pay back your loan.1

Amount

You can borrow $1,000 up to $25,000 with a personal loan.

Credit

You need to be a current U.S. Bank customer with a good credit history and stable, sufficient income. All loans are subject to credit approval.1

Find out more about credit scores.

Not a U.S. Bank customer? Explore our checking account options.

•  Apply now
•  Call 800-270-1154
•  Find a branch
• https://www.usbank.com/loans-credit-lines/personal-loans-and-lines-of-credit/personal-loan.html
  

Use this personal loan calculator to estimate your monthly payment.

What's your ZIP code?

ZIP code

Invalid entry

Enter any valid five-digit ZIP code.

How much do you need?

Amount to borrow.

Invalid entry

Enter your amount to borrow from $1,000 to $25,000.

For how many months?

Term

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Enter any loan term from 12 - 60 months.

What's your credit score range?

Credit score range

Credit score range

Below 720 Fair

720 – 759 Good

760 – 799 Very Good

800 + Excellent

 

Save 2% when you autopay from a U.S. Bank personal checking or savings account for loan amounts $5,000 or greater.

Total Amount:$0

APR:0%

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ESTIMATED MONTHLY PAYMENT$0

Final amount may vary due to borrower's credit score and other credit qualifiers.

How to apply for a personal loan

Our application process is fast and easy.

Step 1

To start your application, you will need:

• Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Home address and employment information

Step 2

Once you submit your application, U.S. Bank will gather your credit information.

How long does it take for a loan to process?
Typically we’ll notify you with your loan approval status in less than a minute.

Step 3

If your loan is approved, you may close your loan online, though some customers may need to visit a U.S. Bank branch.

Funds are available within one business day of loan closing.

Apply now

Personal loan benefits

Quick funds for all your needs

You can use a personal loan for any purchase or product, including vacations, home renovations, medical bills, or consolidating debt.

Fixed rates and set monthly payments

Borrow at least $1,000 up to $25,000 with a fixed APR1 when you qualify. You’ll pay the same amount every month for a term of 12 to 60 months, and your interest rate won’t change over the life of the loan. 

No collateral required

A personal loan is unsecured, meaning you don’t need to put up your house or car as collateral. This may be a good option if you lack equity or don’t qualify for a home equity loan or line.

No home inspection or appraisals

Since a personal loan doesn’t require your home as collateral, there are no home inspections or appraisals. You could get a loan for your project within hours.

Easy application process

Get quick access to funds with our easy and secure online application process. Applying for a personal loan only takes a few minutes and is issued based on your creditworthiness.

READY TO GET STARTED?

• Apply now
• Call 800-239-3302
• Find a branch

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 https://www.usbank.com/loans-credit-lines/personal-loans-and-lines-of-credit/personal-loan.html#
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• A U.S. Bank Personal Loan is for existing U.S. Bank customers who prefer financing without using collateral. You may be able to borrow up to $25,000 with fixed interest rates, flexible loan terms and no annual fees.

1. Start of disclosure content

   As of July 1, 2020 the fixed Annual Percentage Rate (APR) ranged from 6.49% APR to 16.49% APR, and varies based on credit score, loan amount and term. Minimum loan amount is $1,000 and loan terms range from 12 to 60 months. The lowest APR in the range is available on loans of $5,000 or more with a term of 12-48 months and includes discounts for automatic payments from a U.S. Bank personal checking or savings account. Automatic payments and U.S. Bank personal checking or savings account are not required for loan approval. The Consumer Pricing Information brochure lists fees, terms, and conditions that apply to U.S. Bank personal checking and savings accounts. This brochure can be obtained by visiting a U.S. Bank branch or calling 800-872-2657. Loan payment example: on a $5,000 loan for 48 months, monthly payments would be $118.55 and APR of 6.49%. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice.

   Return to content, Footnote 1

Installment loans are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.

 Equal Housing Lender