You can apply in 3 easy steps.

Step 1: Check your rate.

Check your personalized rates. We’ll use some information about you to do a soft credit check, which will not affect your credit score.

Step 2: Apply.

When you’re ready to apply, you’ll need:

• Social Security number (SSN)
• Home address and employment information

You can apply with another person. If you apply with a joint applicant, their income and credit background are also considered and may affect your interest rate or loan amount.

Once you submit your application, U.S. Bank will request a full credit report, which may affect your credit score.

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.

Step 3: Close your loan.

If your loan is approved, you may close your loan online. Funds are available within one to four business days of loan closing.