What is a personal line of credit?

Whether it’s tackling some home improvements or consolidating higher-interest rate debt, a personal line may give you instant access to your available credit, when you need it. For U.S. Bank customers, a personal line of credit is a revolving, open-end line of unsecured credit that gives you access to your available credit line on an ongoing basis with fewer fees.1

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

The benefits of a personal line of credit

  • Credit limits up to $25,0001
  • No collateral required
  • Instant access to your line of credit when you book online or in a branch
  • No annual fees
  • Competitive variable rate, currently 10.25% annual percentage rate (APR)1
  • Same low APR for advances, balance transfers and purchases
  • Easy access to funds with a Visa® Access Card, Personal Line Access Checks, at an ATM, online, mobile or in a branch1

What could you do with a personal line of credit?

Home improvements

It doesn’t matter if it’s a leaky roof or a new addition, a personal line of credit could be a good option for home improvements and remodeling.

Paying off debt

Find relief from credit card balances and other high-interest debt. With a competitive variable APR, currently 10.25%, a personal line of credit could be your option for consolidating debt.

Unexpected expenses

You never know what life will throw your way, but you can prepare for when the unexpected happens. The easily accessible nature of a personal line of credit makes it a great option to have in your back pocket.

How to apply for a personal line of credit

Our online application is convenient and secure.

You must be a U.S. Bank customer to apply.



If you’re already a U.S. Bank customer, you can start your loan application online, at a branch, or by calling 800-491-3150.



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