Our application process is fast and easy.
As you apply, you’ll need your Social Security number (SSN), home address and employment information.
You can apply with another person if they're an employee, live within the U.S. Bank service area or have a military address (FPO/APO). We may consider their income, credit background and whether they are a U.S. Bank customer. This may affect your interest rate or line of credit amount.
Once you submit your application, U.S. Bank will request a full credit report, which may affect your credit score.
If approved, you may close your line of credit online, though some customers may need to visit a U.S. Bank branch. Funds are available within one business day of closing.
Typically, we’ll notify you with your loan approval status in less than a minute.