Quick funds to get your project started
Want to know if you can get a home improvement loan for a pool, a new addition or other renovations? You can use a home improvement personal loan for anything on your home wish list.
When you take out a personal loan, you’ll pay no origination fees and there is no prepayment penalty. You’re always free to make loan payments ahead, in part or in full.
You can choose a term from 12 months to 84 months to pay back your loan. The maximum loan term for non-customers is 60 months.1
If you're already a U.S. Bank customer, you may borrow $1,000 up to $50,000 with a home improvement personal loan when you qualify. If you qualify and are not a current U.S. Bank customer, you may borrow $1,000 up to $25,000.1
We consider your credit score, debt-to-income, credit history and other factors when making approval decisions. The final loan amount, annual percentage rate and estimated monthly payment may vary based on your credit score and other credit qualifiers.
Find out more about credit scores.
Not a U.S. Bank customer? Explore our checking account options.
If you’re thinking about a home improvement project but not sure what it could cost, we’re happy to help. Just answer a few quick questions and we’ll give you a personalized estimate.
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The process to apply is fast and easy.
Check your personalized rates. We’ll use some information about you to do a soft credit check, which will not affect your credit score.
When you’re ready to apply, you’ll need:
You can apply with another person. If you apply with a joint applicant, their income and credit background are also considered and may affect your interest rate or loan amount.
Once you submit your application, U.S. Bank will request a full credit report, which may affect your credit score.
How long does it take for a loan to process?
Typically we’ll notify you with your loan approval status in less than a minute.
If your loan is approved and you’re a U.S. Bank personal checking or savings customer, you may close your loan online. If you don’t have a U.S. Bank personal checking or savings account, you may need to visit a U.S. Bank branch to close your loan.
For more ways to pay for your home improvement projects, explore all of our home improvement loans.