Home Improvement Personal Loan
Improve your home – no collateral required.
Ready to update your living space? Estimate the cost of your home improvement project and what your monthly payment could be. Then check your personalized rate and apply for the funds.
Home improvement personal loan details
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 ahead, in part or in full.
Terms
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
Amount
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
Credit
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.