U.S. Bank personal loans: APR, fees and requirements

What U.S. Bank publishes about its personal loans (9.24% to 24.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.

Lender type	Bank
APR range	9.24% to 24.99%
Loan amounts	$1,000 to $50,000
Repayment terms	12 to 84 months
Origination fee	None
Minimum credit score	Not published
Funding time	Same day for eligible U.S. Bank checking/savings (incl. Smartly) clients if the note is signed by 9 p.m. ET on a business day; otherwise one to four business days after closing
Membership	Non-clients may apply but are limited to $25,000 and 60 months
Availability	Not all loan programs are available in all states. Maximum $25,000 / 60 months for those who are not current U.S. Bank clients.

How the lender states its rates: “As of September 14, 2026 the fixed Annual Percentage Rate (APR) ranged from 9.24% APR to 24.99% APR, and varies based on credit score, loan amount, purpose, term and automatic payment selection. ... The lowest APR ... includes a discount for automatic payments from a U.S. Bank personal checking or savings account.”

How the starting rate compares

The lowest advertised APR, 9.24%, ranks 23 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.