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.
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The process to apply is fast and easy.
Check your personalized rates. We’ll use some information about you to do a soft credit check, which will not affect your credit score.
When you're ready to apply, you'll need:
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.
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.
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.
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 8.74% to 21.24% APR.1
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.
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.
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.