U.S. Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

U.S. Bank suits US borrowers who want a long fixed mortgage and a fixed personal loan to go with it. Its mortgage opens at an initial rate of 6.625% and caps at 75% loan to value, a tighter ceiling that means a bigger deposit.

Key facts

Best for
US borrowers wanting a long fixed mortgage and a fee-free fixed personal loan.
Initial rate
6.625% (Source, checked September 26, 2026)
APRC
6.794% (Source, checked September 26, 2026)
Fixed period
30 years (Source, checked September 26, 2026)
Maximum loan to value
75% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
U.S. Bank National Association (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
1863 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
usbank.com

Loans

APR
$9.24 to $24.99 (Source, checked September 26, 2026)
Loan amount
$1,000 to $50,000 (Source, checked September 26, 2026)
Term
12 to 84 months (Source, checked September 26, 2026)
Arrangement fee
0 USD (no origination fees) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
1 to 4 business days after loan closing, same day if eligible (Source, checked September 26, 2026)
Representative example
Loan payment example: Monthly payments for a $10,000 loan at 12.60% APR with a term of 36 months would be $335.02. (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Credit approval and program guidelines; needs SSN, US home address and employment information; not all programs available in all states (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Credit-line, Car (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
U.S. Bank National Association (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
1863 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding

Apps and profiles

Elsewhere
WikidataLinkedInX

Pros and cons

Pros

  • Origination charges on personal loans are 0 USD (no origination fees), so nothing is taken off at the start.
  • Free early repayment: yes, so settling the balance early carries no charge.
  • same day funding is listed, with the money landing the same day for eligible applicants.
  • fixed rate mortgages run for a fixed period of 30 years.

Cons

  • Loan to value stops at 75%, under the site median of 90%.
  • The top of the personal loan APR range, $9.24 to $24.99, sits above the site median of 12%.
  • Support runs on phone and help centre only, so no email or chat route is listed.
U.S. Bank

Ready to try U.S. Bank?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • US borrowers with a good credit history who can give a social security number, a US home address and employment details.
  • People clearing debt or funding a project, since personal, debt consolidation and credit line covers personal loans, consolidation, credit lines and car lending.
  • Buyers and remortgagers, since purchase, remortgage and first time buyer covers purchase, remortgage, first-time-buyer and home-equity lending.

Who should look elsewhere

  • Readers shopping on the headline rate alone, since Creditilia ES lists 4% and Prestalo lists 2.36% against the 6.625% shown here.
  • Anyone after a wider rate band, since Sofkredit quotes 8% to 14% where U.S. Bank publishes a single 6.625%.

How it compares on our data

On this data U.S. Bank sits at 205 of 297 on initial rate, 106 of 145 on APRC, 3 of 259 on fixed period and 246 of 293 on maximum loan to value. The fixed period ranks well, the rate and the loan to value ceiling do not. Site medians on those measures are 4.35% and 4.9%.

The company behind it

The lender behind the brand is U.S. Bank National Association, a bank founded in 1863 and based in the United States. It appears on the federal register under FDIC cert 6548, and customer support runs through phone and help centre, so questions go to a phone line or the online help centre rather than email or chat.

How U.S. Bank compares

Where U.S. Bank is available

Available
United States
Licence in United States
FDIC (FDIC cert 6548), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What will a personal loan from U.S. Bank cost?+

Origination charges are 0 USD (no origination fees) on personal loans, and the rate you pay sits in a band of $9.24 to $24.99 once your credit profile is assessed. Work from that range rather than a headline figure, because the rate you are offered is what sets the monthly payment.

What rate will I pay on the mortgage?+

The initial rate is 6.625% with an APRC of 6.794%, held fixed for 30 years. Maximum loan to value is 75%, so the deposit you need is larger than at a lender willing to stretch closer to the property value.

Is my money safe with this lender?+

The lender is U.S. Bank National Association, a bank based in the United States and listed on the federal register as FDIC cert 6548. It lends as a direct lender, so applications, terms and the account itself sit with the bank rather than an intermediary who passes your details on.

How quickly would the money arrive?+

Funding takes a few business days after the loan closes, and the same day where you are eligible for it. same day funding is listed on the personal loan range, so the pace depends on your own eligibility and the closing rather than on the lender alone.

What credit do I need to qualify?+

The lender asks for a good credit history, and applications carry a hard credit check, so the search itself can move your score. Approval also follows credit approval and program guidelines, and you need a social security number, a US home address and employment information.

How much can I borrow, and over what term?+

Personal loans run $1,000 to $50,000 with terms of 12 to 84, and fixed rate lending fixes the rate at the start. A hard credit check and approval against program guidelines mean the amount you are offered can sit below the headline maximum.

Can I repay early without a charge?+

Yes. Free early repayment: yes on personal loans, so clearing the balance ahead of schedule adds no charge, and origination charges are 0 USD (no origination fees) to begin with. The fixed rate is set at the start and holds, so settling early only saves you interest.

Who can apply, and which states?+

You need a social security number, a US home address and employment information, with approval following credit approval and program guidelines. The bank is based in the United States and not every program runs in every state, so check your own state before you start.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

U.S. Bank

U.S. Bank

US borrowers wanting a long fixed mortgage and a fee-free fixed personal loan.

8.9/10See alternatives

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