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Enter a loan term from 12 to 84 months.
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A first-timer’s guide to personal loans

When you consider personal financing, here are some important questions to ask yourself.

Go to the first-timer’s guide

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Learn more about debt consolidation and if it might be a good financial move for you.

Get the ins and outs of debt consolidation

What actually affects your credit score?

Find out the truth about the things that do and don’t impact your credit score.

Separate credit truths from myths

Get answers to your frequently asked questions.

Applying for a personal loan only takes a few minutes. Personal loans are issued based on your creditworthiness. Usually we’ll notify you with your loan approval status in less than a minute. If you’re approved, electronic funding of your account can take between one and four days.

When you’re ready to apply for a personal loan, you’ll need:

  • Social Security number (SSN)
  • Home address
  • Employment information
     

If you have a lower credit score, qualifying for a personal loan may take some extra work. Before you apply for any loans, here are some steps to take.

  • Check your credit score and report. Many banks and financial institutions offer free credit score access. You can also check your credit report once a year for free via annualcreditreport.com to make sure it’s accurate and review any negative marks.
  • Compare lenders. Different lenders have different credit score requirements.
  • Find a co-signer. By co-signing, the other person agrees to pay back the loan if you can’t, and their credit score and history can help you qualify.
  • Prequalify, or check your rate. This will tell you what your loan amount, rate and repayment terms could look like before you apply, without impacting your credit score.

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Disclosures

The Annual Percentage Rate (APR) varies based on credit score, loan amount, purpose and term. Minimum loan amount is $1,000 and loan terms range from 12 to 84 months (up to 60 months for non-customers). The lowest APR is available on loans of $10,000 or more with a term of 12-36 months, a credit score of 800 or greater and includes discount for automatic payments from a U.S. Bank or external personal checking or savings account. Automatic payments and U.S. Bank personal checking or savings account are not required for loan approval. Electronic funding to a non-U.S. Bank account requires verification and can take one to four business days. Not all loan programs are available in all states. The Consumer Pricing Information disclosure lists fees, terms, and conditions that apply to U.S. Bank personal checking and savings accounts. This disclosure can be obtained by visiting a U.S. Bank branch or calling 800-872-2657. Maximum loan amounts may vary by credit score. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice.

Loans and lines of credit are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.