us bank loans for bad credit

Only U.S. residents are eligible to get the loan; Once a personal loan agreement is signed, the site is not responsible for any problems. Bank with a team that supports your financial wellness. Discover our products and services, convenient ATMs, digital banking and more, from TCF Bank. Apply online for a personal loan, up to $4000. Applying does not impact FICO, quick decisions, great customer service, and mobile-friendly application!

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Apply for a personal loan without ever leaving your couch.

U.S. Bank customers with a FICO credit score of 660 or above could receive funds within hours.

Apply now

Personal loan details and benefits

If you have a FICO credit score of 660 or above — or higher if you aren’t a current U.S. Bank customer — a personal loan could be right for you. All loans are subject to credit approval.1

Quick funds for all your needs

You can use a personal loan for any purchase or product.

This one-time funding can help cover vacations, home renovations, medical bills or consolidating debts.

Fixed rates and set monthly payments

If you’re a U.S. Bank checking customer, you may borrow at least $1,000 up to $50,000. Not a U.S. Bank customer? You may be able to borrow up to $25,000.

If approved, you’ll pay the same amount every month for a term of 12 to 60 months, with a fixed annual percentage rate (APR), ranging from 5.99% to 18.49% APR.1

No hidden costs or fees

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 in advance, in part or in full.

No collateral required

A personal loan is unsecured, meaning you don’t need to put up your house or car as collateral.

This may be a good option if you lack equity or don’t qualify for a home equity loan or line.

No home inspection or appraisals

A personal loan doesn’t require your home as collateral.

You could get a loan for your project within hours.

Easy application process

Get quick access to funds with our easy and secure online application process.

Applying for a personal loan only takes a few minutes and is issued based on your creditworthiness.

Use this personal loan calculator to estimate your monthly payment.

How to apply for a personal loan

Our application process is fast and easy.

To start your application, you will need:

  • Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)
  • Home address and employment information

Once you submit your application, U.S. Bank will gather your credit information.

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 account or savings account, you may need to visit a U.S. Bank branch to close your loan.

Funds are available within one business day of loan closing.

California Consumers can opt-out of the sale of personal information by clicking Do Not Sell My Personal Information.

Applications submitted on this website may be originated by one of several lenders, including: Opportunity Financial LLC, a licensed lender in certain states; or one of our lending partners. All loans originated by our lending partners will be serviced by OppLoans.

NV Residents: The use of high-interest loans services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

1Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds are typically deposited via ACH for delivery for next business day if verification is completed and final approval occurs before 8:00 PM CT, Monday-Friday. Availability of the funds is dependent on how quickly your bank processes the transaction.

2OppLoans may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your Experian credit report and therefore they will not affect your FICO score.

3Testimonials reflect the individual’s opinion and may not be illustrative of all individual experiences with OppLoans. Ratings on third-party websites may periodically change; please check the third-party websites for up-to-date reviews and ratings. Check loan reviews.

4Installment loan amounts typically range from $500 to $4,000. APR ranges from 59% to 199%. Installment loan lengths range from 6 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments would have an APR of 160% and monthly payments of $395.58 Rates and terms vary by state. This is an expensive form of credit and you should determine whether our product(s) meets your financial needs.

6OppLoans reports customer payment history to the three major credit bureaus. On-time payments may improve credit score.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

If you have questions or concerns, please contact the Opportunity Financial Customer Support Team by phone at 855-408-5000, Monday – Friday, 7 a.m. – 11:30 p.m. and Saturday and Sunday between 9 a.m. – 5:00 p.m. Central Time, or by sending an email to [email protected]


U.S. Bank Personal Loans Review 2021

The best personal loans offer competitive rates, flexible loan amounts and a wide range of terms. Here’s how U.S. Bank personal loans stack up against other popular lenders:

U.S. Bank vs. Wells Fargo

Wells Fargo provides personal loans with 12 to 84-month terms and loan amounts ranging from $3,000 to $100,000. However, while you may receive a slightly lower interest rate through U.S. Bank, both banks offer nearly identical APR ranges. Similar to U.S. Bank, Wells Fargo personal loans are best for Wells Fargo customers.

Related: Wells Fargo Personal Loans Review

U.S. Bank vs. SoFi

SoFi offers personal loans of up to $100,000 for qualified borrowers, which is potentially four times higher than U.S. Bank, depending on if you’re a current customer or not. If you’re limited to borrowing $25,000 through U.S. Bank because you’re not a current customer or you live in Nevada or California, SoFi may be a good alternative to access more funds.

Related:SoFi Personal Loans Review

U.S. Bank vs. LightStream

Like SoFi, LightStream offers personal loans up to $100,000 and interest rates lower than 3%, depending on the loan purpose and your creditworthiness. LightStream will also beat any competing offer, so if you find a lower interest rate with U.S. Bank, LightStream will beat it by 0.1%. Choose LightStream if you are a highly qualified applicant who wants to access the most favorable terms.

Related:LightStream Personal Loans Review


U.S. Bank Personal Loans

Loan amounts

$1,000 to $50,000


U.S. Bank Personal Loans

Compare Rates

Compare rates from participating lenders via

Loan amounts

$3,000 to $100,000

Compare Rates

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Loan amounts

$5,000 to $100,000

Loan amounts

$5,000 to $100,000


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us bank loans for bad credit

4 Replies to “Us bank loans for bad credit”

  1. Bro mera financial inclusion account hai. But mera mobile num link nahi hai. Aur mujhe debit card nahi mila hai. Sirf passbook hai

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