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.
U.S. Bank Personal Loan
Wanting to consolidate debt? Planning a large purchase? As a current U.S. Bank customer, and with credit approval, you can borrow up to $25,000 with our personal loan and take control of your finances.
Borrow $1,000 up to $25,000
U.S. Bank 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.
U.S. Bank Personal Line of Credit
Wanting to pay off a credit card or update your home with a little more financial 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
U.S. Bank 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
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.
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Your guide to loans and credit
Before you apply for credit of any kind, it’s a good idea to understand the basics of what you’re taking on. Here’s a lowdown on loans, interest and what credit could be right for you.