US Bank Personal Loan

US Bank personal loans have fixed rates and autopay discounts, but borrowers need to be US Bank members to apply. If you aren’t already a US Bank member, then check out the Check City Personal Loan where no membership is required to get all their loan benefits!

US Bank personal loans are referred to as their “Premier Loan.” You can use a US Bank personal loan to reach your financial goals, or make your personal finances a little simpler. They are used for consolidating debt, financing vacations, weddings, new appliances, car payments, home improvements, and many other major purchases. They’re a great loan option for anyone who already has a US Bank account.

US Bank Personal Loans: A Quick Look

All loan options come with their own rates, terms, and conditions. Consider these basic numbers and compare them in order to find your best loan option. US Bank offers loan amounts between $3,000 to $25,000 with APRs as low as 6.49% for borrowers with good credit.

Loan Amount: $3,000 to $25,000

Rates: 6.49% to 17.99% APR

Fees: no origination fee, but there is a prepayment penalty

Terms: 12 to 60 months (1 to 5 years)

Basically, a personal loan from US Bank is going to offer you low-interest rates and the potential to pay off your loan in a year. You also won’t need to put up collateral in order to get a personal loan from US Bank. But if you aren’t interested in becoming a US Bank member, then this might not be the best loan fit for you.

Who are US Bank Personal Loans Perfect For?

US Bank personal loans are going to be great for some borrowers, but not ideal for others. That’s why comparing loans is a good way to decide which loan is best for you. US Bank personal loans are best for loan shoppers who already have an account at US Bank or who would like to sign up for one. This is because their personal loans are only offered to existing bank members.

PROS

  • Fixed APR
  • Fixed monthly payments
  • No origination fee
  • Doesn’t require collateral

Who Should NOT Get a US Bank Personal Loan?

If you aren’t a US Bank member and you don’t plan on becoming one, then you’ll want to look elsewhere for a personal loan. You might also want to consider a different loan option if you want to pay off your loan in less than a year, since US Bank has prepayment penalty fees.

CONS

  • Prepayment penalty
  • Need to be a US Bank member
  • Smallest loan amount is $3,000

An Alternative to US Bank Personal Loans

Need an alternative to the US Bank personal loan? Well, you’ve come to the right place. With a Check City Personal Loan, you don’t have to meet any membership requirements before you can apply. Check City also offers smaller loan amounts and shorter loan terms for customers that need quick cash now. So if a US Bank personal loan isn’t the right loan for you, check out the Check City Personal Loan. It might be just what you’re looking for in a loan.

Reasons to Get a Check City Personal Loan:

US Bank personal loan review

Direct Lender. Check City is a direct lender, meaning they are the loan provider.

State Licensed Lender. Check City is a licensed lender in each state they operate in.

Fast Online Application. Check City loan applications only take a few minutes to fill out.

No Minimum Credit Requirements. Borrowers with low credit scores can still apply.

No Origination Fee. Check City won’t charge you just for starting an account.

FAST FUNDS. Visit a Check City store to apply and you can walk away with your cash today!

Shorter Loan Terms and Smaller Loan Amounts. Not everyone needs a giant loan that takes years to pay off. At Check City, you can get smaller loan amounts that are easier and faster to pay off.

How to Apply for a Check City Personal Loan

Check City has streamlined the loan application process. A personal loan application at Check City only requires a few minutes and a few items to finish the process.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online. Would you rather apply for a loan in person? Check City provides that option too! You can also apply for a Check City Personal Loan over the phone or in the store.

Apply in the Store. By applying inside the Check City store, you can actually walk out with cash in hand in that very same visit!

Or call Check City’s Loans By Phone number: 800-404-0254 to apply with a Check City representative over the phone.

The Check City personal loan was created for everyone. Anyone can apply and get their funds FAST with our simple streamlined loan process. Don’t hesitate to give us a call, pull up our website, or visit your neighborhood’s Check City store to get your money now.

COMPARE SIMILAR PERSONAL LOAN OPTIONS

Check City Discover PNC Bank Sallie Mae US Bank
Amount $300 to $3,000 $2,500 to $35,000 $1,000 to $35,000 $3,000 to $35,000 $3,000 to $25,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.99% to 25.99% 6.99% to 24.99% 6.49% to 17.99%
Fees no origination fees no origination fees, no closing costs no origination fee, no prepayment fee, no application fee, but there are late fees no origination fee and no prepayment penalty fee, but there are late fees no origination fee, but there is a prepayment penalty
Terms 6 months 36 to 84 months 36 months 36 to 60 months 12 to 60 months
Min. Credit Score none 660 high credit score n/a n/a

Don’t settle for less in a personal loan. Research the personal loan options available to you before making a choice. That way you’ll know you’re getting the best personal loan for you.

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.