U.S. Bank Home Improvement Personal Loan

Affected by the coronavirus pandemic? Read about our COVID-19 financial relief efforts, including mortgage assistance.

COVID-19 assistance for personal loans

If you’ve been financially affected by COVID-19, you may be eligible for a loan extension. Log in to your account to request an extension.

Home improvement personal loan details

Annual Percentage Rate (APR)

Depending on your creditworthiness, our fixed APR ranges from 5.99% APR to 18.49% APR.¹

Fees

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.

Terms

You can choose a term from 12 months to 60 months to pay back your loan.¹

Amount

You may borrow $1,000 up to $50,000 with a home improvement personal loan when you qualify.

Credit

You need to be a current U.S. Bank customer with a good credit history and stable, sufficient income. 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.

Get an estimate

Use this personal loan calculator to estimate your monthly payment.

What's your ZIP code?

ZIP code

Enter any valid five-digit ZIP code.

How much do you need?

Amount to borrow.

Enter your amount to borrow from $1,000 to $50,000.
The maximum loan amount in California and Nevada is $25,000.

For how many months?

Term

Enter any loan term from 12 – 60 months.

What's your credit score range?

Credit score range

Below 720 Fair

720 – 759 Good

760 – 799 Very Good

800 + Excellent

Save 0.50% when you autopay from a U.S. Bank personal checking or savings account.

Total amount:$0

APR:0%

ESTIMATED MONTHLY PAYMENT$0

Final amount may vary due to borrower's credit score and other credit qualifiers.

Our application process is fast and easy.

Step 1

To start your application, you will need:

Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)
Home address and employment information

Step 2

Once you submit your application, U.S. Bank will gather your credit information.

Typically we’ll notify you with your loan approval status in less than a minute.

Step 3

If your loan is approved, you may close your loan online, though some customers may need to visit a U.S. Bank branch.

Funds are available within one business day of loan closing.

Home improvement personal loan benefits

Quick funds to get your project started

You can use a home improvement personal loan for anything on your home wish list, from renovations and repairs to remodels and additions.

Fixed rates and set monthly payments

Borrow at least $1,000 up to $50,000 with a fixed APR¹ when you qualify. You’ll pay the same amount every month for a term of 12 to 60 months, and your interest rate won’t change over the life of the loan.

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.

U.S. Bank Home Improvement PERSONAL LOAN

Improve your home – no collateral required.