Apply for a personal loan without ever leaving your couch. U.S. Bank customers could receive funds within hours.
Amount to borrow Enter your amount to borrow from $1,000 to $50,000. The maximum loan amount for those who are not current U.S. Bank customers is $25,000. Enter your amount to borrow from $1,000 to $50,000. The maximum loan amount for those who are not current U.S. Bank customers is $25,000.
Enter your amount to borrow from $1,000 to $50,000. The maximum loan amount for those who are not current U.S. Bank customers is $25,000.
If you aren’t a current U.S. Bank customer, a personal loan could give you quick access to funds for your one-time financing needs up to $25,000. We consider your credit score, debt-to-income, credit history and other factors when making approval decisions. The final loan amount, annual percentage rate and estimated monthly payment may vary based on your credit score and other credit qualifiers. If you’re a U.S. Bank customer, you may borrow at least $1,000 up to $50,000.
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If approved, you’ll pay the same amount every month for a term of 12 to 84 months (maximum 60 months for non-customers), with a fixed annual percentage rate (APR), ranging from X.XX% to 24.99% APR 1 .
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.
A personal loan doesn’t require your home or car as collateral, so you won’t have to deal with inspections or appraisals.
Not a U.S. Bank customer? Explore our checking account options. Uses for a personal loanYou can use a personal loan for any purchase or project. This one-time funding can help cover vacations, home renovations, medical bills or consolidating debts.
Whether you want to stay in your home or sell, you can use a personal loan to fund home remodeling, repairs or upgrades.
Not every vacation requires a loan, but if you have a once-in-a-lifetime trip or dream honeymoon coming up, a personal loan can help with travel costs.
A personal loan can help with things like hiring movers or buying new furniture whether you’re moving across the street or across the country.
When life happens and you’re dealing with a sudden cost or unexpected bill, a personal loan can help you get the funds you need quickly.
Check your personalized rates. We’ll use some information about you to do a soft credit check, which will not affect your credit score.
When you’re ready to apply, you’ll need:
You can apply with another person. If you apply with a joint applicant, their income and credit background are also considered and may affect your interest rate or loan amount.
Once you submit your application, U.S. Bank will request a full credit report, which may affect your credit score.
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.
If your loan is approved, you may close your loan online. Funds are available within one to four business days of loan closing.
Personal loan calculator
Use our personal loan calculator to estimate your monthly payment. Just answer a few quick questions and we’ll give you a personalized estimate.
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Personal loan: As of February 12, 2024 the fixed Annual Percentage Rate (APR) ranged from 8.74% APR to 24.99% APR, and varies based on credit score, loan amount, purpose and term. Minimum loan amount is $1,000 and loan terms range from 12 to 84 months (up to 60 months for non-customers). The lowest APR in the range is available on loans of $10,000 or more with a term of 12-36 months, a credit score of 800 or greater, purpose of home improvement and includes discount for automatic payments from a U.S. Bank or external personal checking or savings account. Automatic payments and U.S. Bank personal checking or savings account are not required for loan approval. Electronic funding to a non-U.S. Bank account requires verification and can take one to four business days. Not all loan programs are available in all states. The Consumer Pricing Information disclosure lists fees, terms, and conditions that apply to U.S. Bank personal checking and savings accounts. This disclosure can be obtained by visiting a U.S. Bank branch or calling 800-872-2657 . Loan payment example: on a $10,000 loan for 36 months, monthly payments would be $316.79 and APR of 8.74% with automatic payments from a personal checking or savings account and for the purpose of home improvement. Maximum loan amounts may vary by credit score. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice.
Installment loans are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.