Apply for a personal loan without ever leaving your couch.
U.S. Bank customers with a FICO® Score of 660 or above could receive funds within hours.
Check your rate Apply now
Personal loan details and benefits
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 loan could be right for you. All loans are subject to credit approval.1
As low as 5.99% APR1
If you’re a U.S. Bank 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 84 months (maximum 60 months for non-customers), with a fixed annual percentage rate (APR), ranging from 5.99% to 18.49% APR.1
Quick funds for all your needs
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.
No hidden costs or fees
When you take out a personal loan, you’ll pay no origination fees and there is no prepayment penalty.
You’re always free to make loan payments in advance, in part or in full.
No collateral required
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.
No home inspection or appraisals
A personal loan doesn’t require your home as collateral.
You could get a loan for your project within hours.
Easy application process
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.
Find out more about credit scores.
Not a U.S. Bank customer? Explore our checking account options.
How to apply for a personal loan
The process to apply is fast and easy.
Step 1: Check your rate
Check your personalized rates. We’ll use some information about you to do a soft credit check, which will not affect your credit score.
Step 2: Apply
When you’re ready to apply, you’ll need:
- Social Security number (SSN)
- Home address and employment information
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.
Step 3: Close your loan
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 or savings account, you may need to visit a U.S. Bank branch to close your loan.