US Bank is based in Minneapolis, MN. It was founded in 1891 and offers access to personal loans in 50 states (and Washington, DC).
US Bank offers personal loans with APRs starting at 6.99% and up to 21.9%.
Yes, US Bank charges a loan origination fee.
Yes, US Bank may charge borrowers a late payment fee of up to $37.
Yes, US Bank charges additional fees to borrowers who pay off their loans soon than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.
Loan amounts start at $3,000 and go up to $25,000.
US Bank offers personal loans with a maximum term of 48 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
Applicants with a credit score of at least 700 can apply for a loan via US Bank. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.
Active duty servicemembers and their covered dependents are eligible to apply for a loan via US Bank. Their rates fall within the limits of The Military Lending Act.
US Bank will typically approve (or deny) a loan application within 24 hours and fund personal loans as soon as 1 business day of approval.
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