As low as 11.00% APR1
You’ll pay no annual fee with a competitive variable rate, currently 11.00% annual percentage rate (APR). And you’ll have the same low APR for advances, balance transfers and purchases.
Find out more about credit scores.
Not a U.S. Bank checking customer? Explore our checking account options.
How to apply for a personal line of credit
Our application process is fast and easy.
Step 1
If you’re already a U.S. Bank checking account customer, you can start your application in the mobile app, through online banking, by visiting a branch or by calling 800-491-3150.
You’ll need:
Step 2
Once you submit your application, we’ll gather your credit information.
How long does it take for a loan to process? Typically, we notify you with your loan approval status in less than a minute.
Step 3
If your line of credit is approved, funds are available within one business day of closing.
You may close your line of credit online, though some customers may need to visit a U.S. Bank branch.
Log in to the U.S. Bank Mobile App or online banking and follow these steps. to make a one-time payment.
Yes, follow these steps to set up autopay for your loan or line of credit.
For the most accurate payoff statement available, contact us at 800-USBANKS (872-2657) or visit your local branch.
Yes, just log into the U.S. Bank Mobile App or online banking and follow these steps to set up your line of credit as overdraft protection for your checking account.