Personal Loan

Flexible funds with personalized rates

Check your rate

Checking your rate is fast, easy and won’t impact your credit score.

How much would you like to borrow?

Enter an amount to borrow from $1,000 to $50,000. The maximum loan amount for those who are not current U.S. Bank clients is $25,000.

How will you use the loan?

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What are the benefits of a personal loan?

Personal loans can give you quick access to funds for your one-time financing needs. We consider your credit score, debt-to-income ratio, credit history and other factors when making approval decisions.

Current U.S. Bank clients can borrow from $1,000 to $50,000 for a term of 12 to 84 months. Those who aren’t U.S. Bank clients can borrow up to $25,000 for a maximum of 60 months.

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

As low as x.xx% APR1

If approved, pay the same amount every month with a fixed annual percentage rate (APR) ranging from x.xx% to 24.99% APR.1

No hidden costs or fees

Personal loans from U.S. Bank have no origination fees and there is no prepayment penalty. You’re always free to make loan payments ahead, in part or in full.

No collateral required

A personal loan doesn’t require your home or car as collateral, so you won’t have to deal with inspections or appraisals.
 

How to apply for a personal loan online

Get started by checking your rate.

In as little as 5 minutes we’ll use information you provide to do a soft credit check. It won’t affect your credit score.

Choose the loan option that’s best for you.

Pick a rate and term and fill out your application. We’ll request a full credit report, which may affect your credit score. Typically we’ll notify you with your loan approval status in less than a minute.

Close your loan and receive your funds.

If your loan is approved, you may sign your documents online. Funds are available within one to four business days of loan closing.

Check your rate

How much could your monthly personal loan payment be?

Use our personal loan calculator to estimate your monthly payment. Just give us a few details about yourself and the loan you want, and we’ll give you an estimate.

Estimate your payments

Why a personal loan may be right for you

You can use a personal loan for any purchase or project. This one-time funding can help cover home renovations, medical bills or consolidating debts.

Consolidate your debt
Finance a home project
Buy a used car
Cover emergency expenses

Common personal loan questions

A personal loan is typically unsecured, which means it’s a loan that doesn't require collateral. You can use personal loans for many purposes, such as consolidating debt or buying a used car. Personal loans are usually installment loans, which means you receive the entire loan at once and pay it back over time at regular intervals.

When you take out a personal loan your credit score may drop temporarily because you’re taking on new debt. Making your payments on time can help bring your credit score back up.

Your credit score has a major impact on the interest rate and annual percentage rate (APR) you may qualify for. Having a higher credit score leads to lower rates and better terms, whereas having a lower score can result in higher rates and less favorable terms.

To apply for a U.S. Bank Personal Loan 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.

Typically we’ll notify you with your loan approval status in less than a minute. Once your loan documents are signed, funds are available within one to four business days of loan closing.

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Weigh these considerations before taking out a loan with a co-applicant.

Learn about loans with co-borrowers

Ways to pay for unexpected expenses

Be ready for unexpected expenses with these tips.

Prepare your finances for the unexpected

Get started or contact us.

Check your rate
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Call 800-239-3302
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Disclosures

  1. Personal loan: As of July 21, 2025 the fixed Annual Percentage Rate (APR) ranged from 8.74% APR to 24.99% APR, and varies based on credit score, loan amount, purpose, term and automatic payment selection. The minimum loan amount is $1,000 and loan terms range from 12 to 84 months (up to 60 months for non-clients). The lowest APR in the range is available on loans of $10,000 or more with a term of 12–36 months, a credit score of 800 or greater, the purpose of home improvement and includes a discount for automatic payments from a U.S. Bank personal checking or savings account. Automatic payments and U.S. Bank personal checking or savings accounts 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. Loan payment example: on a $10,000 loan for 36 months, monthly payments would be $316.79 and APR of 8.74% with automatic payments from a U.S. Bank personal checking or savings account and for the purpose of home improvement. 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.

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Installment loans are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.