Personal loan details and benefits
If you aren’t a current U.S. Bank customer, a personal loan could give you quick access to funds for your one-time financing needs up to $25,000. We consider your credit score, debt-to-income, credit history and other factors when making approval decisions. The final loan amount, annual percentage rate and estimated monthly payment may vary based on your credit score and other credit qualifiers.
If you’re a U.S. Bank customer, you may borrow at least $1,000 up to $50,000.
Uses for a personal loan
You can use a personal loan for any purchase or project. This one-time funding can help cover vacations, home renovations, medical bills or consolidating debts.
A personal loan can help you combine your debt into one payment at a competitive rate.
Whether you want to stay in your home or sell, you can use a personal loan to fund home remodeling, repairs or upgrades.
You can cover the big ticket items and unexpected costs a wedding can bring with a personal loan.
Not every vacation requires a loan, but if you have a once-in-a-lifetime trip or dream honeymoon coming up, a personal loan can help with travel costs.
A personal loan can help with things like hiring movers or buying new furniture whether you’re moving across the street or across the country.
When life happens and you’re dealing with a sudden cost or unexpected bill, a personal loan can help you get the funds you need quickly.
You can apply in 3 easy steps.
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, you may close your loan online. Funds are available within one to four business days of loan closing.
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