Applying for a personal loan only takes a few minutes. Personal loans are issued based on your creditworthiness. Usually we’ll notify you with your loan approval status in less than a minute. If you’re approved, electronic funding of your account can take between one and four days.
Personal Loan Calculator
Estimate your monthly payment with this loan calculator.
U.S. Bank will consider your credit score, debt-to-income, credit history, U.S. Bank and Alliance relationship, along with other factors when making underwriting decisions.
Please fix the following items to continue:
- Enter any valid 5-digit ZIP Code.
- Enter an amount to borrow.
- Enter a term length.
- Choose a credit score range.
Get answers to your frequently asked questions.
When you’re ready to apply for a personal loan, you’ll need:
- Social Security number (SSN)
- Home address
- Employment information
If you have a lower credit score, qualifying for a personal loan may take some extra work.
Before you apply for any loans, here are some steps to take.
- Check your credit score and report. Many banks and financial institutions offer free credit score access. You can also check your credit report once a year for free via annualcreditreport.com.to make sure its accurate and review any negative marks.
- Compare lenders. Different lenders have different credit score requirements.
- Find a co-signer. By co-signing, the other person agrees to pay back the loan if you can’t, and their credit score and history can help you qualify.
- Prequalify, or check you rate. This will tell you what your loan amount, rate and repayment terms could look like before you apply, without impacting your credit score.
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