Home improvement personal loan details

As low as 8.24% APR 1

Depending on your creditworthiness, our fixed annual percentage rate (APR) ranges from 8.24% APR to 21.49% APR.1


When you take out a personal loan, you’ll pay no origination fees and there is no prepayment penalty. You’re always free to make loan payments ahead, in part or in full.


You can choose a term from 12 months to 84 months to pay back your loan. The maximum loan term for non-customers is 60 months.1


If you're already a U.S. Bank customer, you may borrow $1,000 up to $50,000 with a home improvement personal loan when you qualify. If you qualify and are not a current U.S. Bank customer, you may borrow $1,000 up to $25,000.1


If you have a FICO® Score of 660 or above – or higher if not a current U.S. Bank customer – a home improvement personal loan could be right for you. All loans are subject to credit approval.1

Find out more about credit scores.

Not a U.S. Bank customer? Explore our checking account options.

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.

Use this home improvement personal loan calculator to estimate your monthly payment.

For how many months?

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.

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.

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

Quick funds to get your project started

Want to know if you can get a home improvement loan for a pool, a new addition or other renovations? You can use a home improvement personal loan for anything on your home wish list.

Fixed rates and set monthly payments

If you’re a U.S. Bank customer, you can borrow at least $1,000 up to $50,000. If you’re not a current U.S. Bank customer, you may be able to borrow up to $25,000. If approved, you’ll pay the same amount every month for a term of 12 to 84 months (maximum 60 months for non-customers), with a fixed annual percentage rate (APR), ranging from 8.24% to 21.49% APR.1

No collateral required

A personal loan is unsecured,2 meaning you don’t need to put up your house or car as collateral. This may be a good option if you lack equity or don’t qualify for a home equity loan or line.

No home inspection or appraisals

Since a personal loan doesn’t require your home as collateral, there are no home inspections or appraisals. You could get a loan for your project within hours.

Easy application process

Get quick access to funds with our easy and secure online application process. Applying for a home improvement personal loan only takes a few minutes and is issued based on your creditworthiness.

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

Start of disclosure content
  1. Personal loan: As of August 20, 2023 the fixed Annual Percentage Rate (APR) ranged from 8.24% APR to 21.49% APR, and varies based on credit score, loan amount, purpose and term. Minimum loan amount is $1,000 and loan terms range from 12 to 84 months (up to 60 months for non-customers). The lowest APR in the range is available on loans of $10,000 or more with a term of 12-36 months, a credit score of 800 or greater, purpose of home improvement and includes discount for automatic payments from a U.S. Bank or external personal checking or savings account. Automatic payments and U.S. Bank personal checking or savings account are not required for loan approval. Electronic funding to a non-U.S. Bank account requires verification and can take one to four business days. Not all loan programs are available in all states. The Consumer Pricing Information disclosure lists fees, terms, and conditions that apply to U.S. Bank personal checking and savings accounts. This disclosure can be obtained by visiting a U.S. Bank branch or calling 800-872-2657. Loan payment example: on a $10,000 loan for 36 months, monthly payments would be $314.47 and APR of 8.24% with automatic payments from a personal checking or savings account and for the purpose of home improvement. Maximum loan amounts may vary by credit score. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice.

  2. Home Improvement Personal Loan Collateral: A home improvement personal loan is for customers who prefer financing without using collateral. There are other less costly home improvement product options with property as collateral. You may be able to borrow up to $50,000 ($25,000 if you are not a U.S. Bank customer) with fixed interest rates, flexible loan terms and no annual fees.

Start of disclosure content

Installment loans are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.