Loan options
A personal loan is one way to consolidate debt or to pay for major expenses. It offers fixed interest rates and fixed monthly payments for the life of the loan. A personal loan is best for one-time funding, or if you know the entire cost of your project up front. You receive the loan in one lump sum.
Simple Loan
Need quick funds for an emergency? Our Simple Loan is one way for U.S. Bank checking customers who qualify to borrow up to $1,000 for planned – and unplanned – expenses.
Borrow $100 up to $1,000
Line of credit options
If you need ongoing access to funds, or if you don't know the full cost of a project, a personal line of credit may be better. With a personal line, you can use the credit as needed, and only pay interest on the funds you borrow.
Personal line of credit
Looking to tackle on financial goals with a little more flexibility? If you’re a current U.S. Bank checking customer, a personal line of credit can give you instant, ongoing access to funds as you need them.
Instant, ongoing credit access
Home improvement personal line of credit
Exclusive to U.S. Bank checking customers, take on your home improvement projects with the flexibility you’d expect from a credit card, but typically with lower interest rates.3 And since it’s an unsecured line of credit, there’s no collateral needed.4
No annual fees
Reserve line of credit
Protect your U.S. Bank checking account from overdrafts with a reserve line of credit. You’ll enjoy no annual fee and automatic advances to your checking account if your balance ever falls below zero.
Protection from overdrafts
Have questions about personal loans or lines?
We have lending consultants who can help. Learn about your loan options, and get personalized estimates for your situation. Give us your details and we’ll give you a call.
Why choose a personal loan or personal line?
Personal loans and personal lines of credit are both unsecured loans, meaning they don’t require collateral.
More questions about loans and credit? We have answers.
Quiz: How much do you know about loans?
Understanding how loans and credit work is critical to good financial health. Brush up on what you know about borrowing money.
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