Home improvement personal loan details

Not sure what your home improvement project could cost?

If you’re thinking about a home improvement project but not sure what it could cost, we’re happy to help. Just answer a few quick questions and we’ll give you a personalized estimate.

Get an estimate

Use this unsecured loan calculator to estimate your monthly payment.

For how many months?

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Enter any loan term from 12 to 84 months. For those who aren’t current U.S. Bank customers, the maximum term length is 60 months.

What's your credit score range?

How do you get a loan for home improvement?

The process to apply is fast and easy.

Step 1: Check your rate

Check your personalized rates. We’ll use some information about you to do a soft credit check, which will not affect your credit score.

Check your rate

Step 2: Apply

When you're ready to apply, you'll need:

  • Social Security number (SSN)
  • Home address and employment information

You can apply with another person. If you apply with a joint applicant, their income and credit background are also considered and may affect your interest rate or loan amount.

Once you submit your application, U.S. Bank will request a full credit report, which may affect your credit score.

How long does it take for a loan to process?
Typically we’ll notify you with your loan approval status in less than a minute.

Apply

Step 3: Close your loan

If your loan is approved and you’re a U.S. Bank personal checking or savings customer, you may close your loan online. If you don’t have a U.S. Bank personal checking or savings account, you may need to visit a U.S. Bank branch to close your loan.

Home improvement personal loan benefits

For more ways to pay for your home improvement projects, explore all of our home improvement loans.