A great way to pay for one-time needs.

Relax with the security of a fixed rate and fixed monthly payments.

Apply Now

What's a Home Equity Installment Loan?

A U.S. Bank Home Equity Installment Loan is a great way to consolidate debt or pay for major expenses. Home equity loans give you the security of fixed-rate payments on principal and interest for the life of the loan, a steady repayment schedule, and potential tax advantages.

Apply Now | View Rates

Home Equity Loan Benefits

Competitive Fixed Rates and Flexible Terms

Our competitive home equity loan rates make it convenient to borrow what you need now and pay it back over time. Take as long as 30 years to pay back your home equity loan.

 

Quick, Convenient Access to Funds

Funds are disbursed in one lump sum and can be accessed from your account through usbank.com. The money is available on the fourth business day after you sign your loan documents for loans secured by a primary residence.

 

Affordable Monthly Payments

No surprises – your monthly payment amount stays constant for the life of the loan, and the interest you pay on your home equity loan may be tax-deductible. (Consult your tax advisor to learn more.)

No Up-Front Costs or Fees

There are no required application fees or closing costs for a Home Equity Loan, and the origination fee is optional.

More Ways to Borrow: A Home Equity Installment Loan is a popular way for homeowners to finance major expenses and ongoing needs, but there are other home equity options to consider.

  • Want flexible access to funds anytime you need them, plus competitive low rates? Then consider a Home Equity Line of Credit (HELOC).
  • If you owe less than $150,000 on your mortgage, a U.S. Bank Smart Refinance features no costs, a convenient application process, flexible terms and potential tax advantages.
  • Access your home’s equity and get cash at closing with a Cash-Out Refinance.

More questions? Check out our Home Equity FAQs, or give us a call at 866-829-2347.

Ready to get started? You can apply for a Home Equity Installment Loan online or on the phone.

 

Skip Navigation: Internet Banking Login

Your browser's version is not compatible. Please upgrade your browser.
Cancel Icon

Unsupported Browser

Unsupported Browser

We've detected that you are currently accessing this site using an older version of Internet Explorer. We have not designed this site to support older versions of Internet Explorer. Therefore, you may encounter issues with how the site is displayed and how you can navigate through the site when using this older browser. We highly recommend you upgrade your current browser or download a new version of a different browser.

Upgrade Internet Explorer

Alternatively, you may want to download a new version of a different browser: