U.S. Bank Personal Loan is a personal loan from U.S. Bank. Application typically pulls a credit report from TransUnion. The ongoing APR is 9.24% - 24.99% fixed (as of September 14, 2026; low end needs 800+ score, $10k+, 12-36 mo, home improvement, autopay). Typical credit limit: $1,000 - $50,000 for U.S. Bank clients; up to $25,000 for non-clients. Loan terms: 12-84 months (non-clients up to 60 months). Soft-pull pre-qualification is available — no hard inquiry to check approval odds.