US Bank Personal Loans
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| Community Rating | Mostly recommended |
| APR | 6.99% - 21.9% |
| Loan Amount | $3,000 - $25,000 |
| Loan Term (Months) | N/A |
| Number of Reviews | 7 |
US Bank Personal Loans Review
US Bank Personal Loans is offered by U.S. Bank, a bank founded in 1863 and based in Minneapolis, MN. US Bank Personal Loans is available in 50 states (and Washington, DC).
Key Takeaways
- Fast access to funds. In some cases, you can get your money within 1 business day*.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your US Bank Personal Loans early.
- Cosigner applications accepted. Applying for US Bank Personal Loans with a cosigner can improve your chances of approval and help you qualify for lower interest rates.
US Bank personal loans Pros & Cons
| Pros | Cons |
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US Bank personal loans FAQ
What interest rates and personal loan terms does US Bank personal loans offer?
US Bank personal loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does US Bank personal loans offer?
US Bank personal loans offers a personal loan product that ranges from 6.99% APR up to 21.9% APR.
How much can you borrow via US Bank personal loans?
Business loan amounts start at $3,000 and go up to $25,000.
| Personal Loan Amount | $3000 - $25000 |
| Loan Term | N/A |
| APR | 6.99% - 21.9% |
What fees does US Bank personal loans charge?
Does US Bank personal loans charge an origination fee?
US Bank personal loans may charge a personal loan origination fee.
Does US Bank personal loans charge a late fee?
Yes, US Bank personal loans may charge borrowers a late payment fee if you miss one of the monthly payments of up to $37.
Does US Bank personal loans charge prepayment fees?
No, US Bank personal loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | $37 |
What do you need to qualify for US Bank Personal Loans?
Applicants with a credit score of at least 700 and up to 850 may be eligible for US Bank Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.US Bank Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via US Bank Personal Loans. Their rates fall within the limits of The Military Lending Act.
Permanent resident / green card holders are also eligible to apply.
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | 700 - 850 |
What is the estimated funding time for a personal loan via US Bank personal loans?
US Bank personal loans will typically approve (or deny) a loan application within 24 hours and fund loans within 7 business days of approval.
Is U.S. Bank a legit company?
U.S. Bank was founded in 1863, it is a well-established company with approximately 74,000 employees that has been in business for 159 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 USA - (800) 872-2657
- Visit Site
- Email Support
Other Services by U.S. Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
US Bank Personal Loans Community Reviews
Would you recommend US Bank Personal Loans to your friends?
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