Features

Where does US Bank do business?

US Bank is based in Minneapolis, MN. It was founded in 1891 and offers access to personal loans in 50 states (and Washington, DC).

What range of rates does US Bank offer?

US Bank offers personal loans with APRs starting at 6.99% and up to 21.9%.

Does US Bank charge an origination fee?

Yes, US Bank charges a loan origination fee. 

Does US Bank charge a late fee?

Yes, US Bank may charge borrowers a late payment fee of up to $37.

Does US Bank charge prepayment fees?

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.

How much can you borrow from US Bank?

Loan amounts start at $3,000 and go up to $25,000.

What is the maximum loan term for a US Bank personal loan?

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.

What do you need to qualify for a loan with US Bank?

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.

What is the estimated funding time for a personal loan via US Bank?

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.

  • Max Loan Term (Months)
    48
  • Institution Type
    Bank
  • Credit Score Range
    700 - 850
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Co-signer
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
    18
  • Late Fee Amount
    $37
  • Approval Speed (Hours)
    24
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Loan Amount
    $3000 - $25000
  • APR
    6.99% - 21.9%
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