See what makes a line of credit different from other ways of financing.
A personal line of credit shares a few similarities with credit cards, like ongoing access to funds for purchases over time and no interest as long as you pay your statement balance in full each month. But a personal line of credit has some features that make it an enticing way to pay for your projects.
No annual fee
Enjoy your personal line of credit for years to come without annual fees.
Exclusive to U.S. Bank checking customers
If you’ve got a personal checking account with us, you’ve got the option to apply for a Home Improvement Personal Line of Credit. Upon approval, you can easily transfer funds from your personal line of credit to your U.S. Bank checking account through mobile or online banking.
Not a U.S. Bank customer? Explore our checking account options.