If you have a FICO credit score of 660 or above – or higher if you aren’t a current U.S. Bank customer – a personal loans could be right for you with instant online approval. All loans are subject to credit approval.
You can use a personal loan for any purchase or product.
This one-time funding can help cover vacations, home renovations, medical bills, or consolidating debts.
If you’re a U.S. Bank checking customer, you may borrow at least $1,000 up to $50,000. Not a U.S. Bank customer? You may be able to borrow up to $25,000.
If approved, you’ll pay the same amount every month for a term of 12 to 60 months, with a fixed annual percentage rate (APR), ranging from 5.99% to 18.49% APR.1
When you take out a personal loan, you’ll pay no origination fees and no prepayment penalty.
You’re always free to make loan payments in advance, in part, or whole.
A personal loan is unsecured, meaning you don’t need to put up your house or car as collateral.
This may be a good option if you lack equity or don’t qualify for a home equity loan or line.
A personal loan doesn’t require your home as collateral.
You could get a loan for your project within hours.
Get quick access to funds with our easy and secure online application process.
Applying for a personal loan only takes a few minutes and is issued based on your creditworthiness.
Our application process is fast and easy.
To start your application, you will need:
Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)
Home address and employment information
Once you submit your application, the U.S. Bank will gather your credit information.
How long does it take for a loan to process?
Typically we’ll notify you of your loan approval status in less than a minute.
If your loan is approved and you’re a U.S. Bank personal checking or savings customer, you may close your loan online. If you don’t have a U.S. Bank personal checking account or savings account, you’ll need to visit a U.S. Bank branch to close your loan.
Funds are available within one business day of loan closing.
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