U.S. Bank Personal Loan – Personal Loan
U.S. Bank offers unsecured personal loans up to $50,000 with no origination fees for both existing customers and new applicants in eligible states.
Applying does not obligate you to accept a loan offer.
U.S. Bank Personal Loan – Review 2026
U.S. Bank is the fifth-largest commercial bank in the United States with around 2,200 branches. Personal loans are available to both existing customers (same-day funding) and new applicants (1 to 7 business days).
Loan Range
Loans run from $1,000 to $50,000 with terms of 12 to 84 months. APRs from 7.99% to 24.99% with no origination fee. A 0.50% autopay discount is available for both existing and new customers.
Eligibility
U.S. Bank requires a FICO score around 660 or higher and personal loans are only offered in states where U.S. Bank operates branches. Existing customers may pre-qualify in online banking with a soft pull.
✓ Pros
- No fees
- Same-day option
- Autopay discount
- Large bank stability
✗ Cons
- State availability limited
- Customer status helps
- Slower for non-customers
Loan Example
Example: $10,000 loan for 60 months at 11.99% APR = monthly payment of $222.44, total payable $13,346.40.
Eligibility Requirements
- ✓ Age 18+ years
- ✓ US resident in eligible state
- ✓ FICO 660+
- ✓ Verifiable income
- ✓ US bank account
Loan Features
- No origination fees
- Autopay discount 0.50%
- Loans up to $50,000
- Same-day funding for customers
- Both online and branch
Frequently Asked Questions
Same day for customers after submitting your application.
The minimum amount at U.S. Bank Personal Loan is $1,000 USD.