Why U.S. Bank ExtendPay® Loan?

A U.S. Bank ExtendPay® Loan allows you to access funds from your credit card account and pay it back with no interest6 during your chosen repayment period, just a fixed monthly fee.1, 2 You can choose from a range of repayment options from 3 to 24 months.3

No origination fee

There are no fees to sign up and get started.

Direct deposit

Funds are deposited directly into your bank account.4

No interest

Make equal monthly payments with no interest6 during your chosen repayment period - just a small monthly fee.1

No credit check

Use a portion of your card’s unused credit line. It’s as easy as that.


Choose the plan that works for you with 3, 6, 12, 18, and 24 payment term repayment options.4

No application required

Simply visit your credit card dashboard and select 'Set up ExtendPay' to set up your ExtendPay Loan.

Step by step enrollment experience

Step 1: Log in or sign up for online banking. Visit your credit card dashboard, choose Set up ExtendPay and then Set up a new ExtendPay Loan.

Step 2: Choose your loan amount, tell us where to deposit your funds and choose the length of your ExtendPay Loan.

Step 3: Confirm your details, agree to the terms and you’re done!

Expected or unexpected expenses, your existing credit line can work for you.

Whether it is planned like buying a used car, or unplanned, like discovering you need a plumber, a U.S. Bank ExtendPay® Loan makes it easy to get the funds you need. It uses your existing credit line and there's no application, credit check or origination fee – just fixed monthly payments with no interest6 during your chosen repayment period and a fixed monthly fee.

Frequently asked questions

What are the benefits of an ExtendPay Loan, and how do I set one up?

What are my options for repaying or managing an ExtendPay Loan?

Need more help?

Don’t see your question? Give Cardmember Service a call by using the number on the back of your card and a representative will be happy to help.

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U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

From time to time we may offer to you the benefit of a U.S. Bank ExtendPay® Loan, which allows you to request cash from your credit card account ($500 minimum) and pay it back in fixed monthly payments over time and still avoid paying interest charges on new Purchases. New cardholders may not be immediately eligible to request an ExtendPay Loan.

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  1. The amount available for a U.S. Bank ExtendPay® Loan will vary based on your current credit limit, existing ExtendPay balances, and other factors. This amount will be displayed during ExtendPay Loan enrollment.

  2. The monthly fixed fee will be determined when your U.S. Bank ExtendPay® Loan is created and is provided to you before you complete setting up an ExtendPay Loan. This fee will remain the same until the ExtendPay Loan is paid in full. The monthly fixed fee of the ExtendPay Loan is based upon the original principal amount, Purchase APR, and other factors.

  3. Durations may vary depending on your U.S. Bank ExtendPay® Loan amount.

  4. Funds may only be deposited into an eligible deposit account at a financial institution in the United States.

  5. A U.S. Bank ExtendPay® Loan is not a Purchase under the terms of your Cardmember Agreement, therefore you will not earn rewards your credit card would otherwise offer.

  6. Any unpaid balance remaining on an ExtendPay Loan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement.

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When you set up a U.S. Bank ExtendPay® Loan, the total monthly payment obligation will be included in your monthly Minimum Payment. If you have an ExtendPay Loan balance, you may avoid interest charges on new Purchases by paying the Plan Adjusted Balance in full each month. (The Plan Adjusted Balance is your non-ExtendPay balance plus the total monthly ExtendPay payment, not including any disputed amounts.) You may pay the ExtendPay Loan balance off early by paying your current balance in full, which includes activity on your Account since the previous statement, including any pending charges. You will see the ExtendPay Loan in your credit card dashboard in Online Banking and the U.S. Bank Mobile App. An ExtendPay offer may be withdrawn based on activity on your credit card account after the offer was made. If you are not eligible for this offer, you will not be able to access the enrollment site.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., or Mastercard International Incorporated or American Express, and the card is available to United States residents only. Mastercard is a registered trademark, and the circles design is trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.