NorthWestern Financial Review

US Bank

US Bank Overall rating: ★★★★☆ 4.2 based on 8 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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U.S. Bank is one of the country’s largest banks. It offers banking products to customers nationwide. The company has over 1000 branches in more than 25 states, plus 24/7 live phone support. US Bank was founded in 1863 and is based in Cincinnati, Ohio.

Company name US Bank
Founded 1968
Address 800 Nicollet Mall, Minneapolis, MN 55402
Phone number

us bank site


  • Direct lender
  • Competitive APR
  • Quick funding
  • No origination fee
  • Co-applicants allowed
  • Offers small loans of $100
  • Discount for autopay
  • Reports payments to all three major credit bureaus
  • Customer service in person or by phone
  • Mobile app


  • No prequalification
  • Available in a limited number of states
  • U.S. bank account required
  • Only three-month repayment terms available
  • Prepayment penalty
  • Some in-person loan closings
  • Maximum loan amount is $25,000

Bottom line

US Bank loans are best for you if you have a relationship with U.S. Bank, want quick access to your funds and don’t plan to repay the loan early. If you don’t have a U.S. Bank account and aren’t interested in opening one, explore other loan companies.

Types of loans

US Bank offers various types of loans:

  • Personal loan;
  • Simple loan (for small emergencies);
  • Personal line of credit (instant access to funds);
  • Reserve line of credit (overdraft protection).

Eligibility criteria

U.S. Bank does not disclose a list of its borrower requirements. To apply, you will surely need:

  1. Minimum credit score of 680;
  2. SSN or individual taxpayer ID number;
  3. U.S. Bank checking account that’s at least 6 months old and has at least 3 months’ history of recurring direct deposits;
  4. Phone number and email address;
  5. Home address and employment information.

Category: Online Loans

Tags: Arizona, Arkansas, California, Colorado, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin, Wyoming

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US Bank Reviews

The best bank. They are always helpful and understanding when I have an issue. Never had any problem. Customer service is amazing
- Lillian Castagna

Have a home loan with US Bank. 2020 was not a good year in buy a home. But I managed to do it.
- Billy Lambert

Was approved for a $2000 loan easily. My credit score was about 640 when I applied. I have had a savings and checking account at this bank, for about 7 years. The process was smooth and trouble-free!
- Clara Murrin

I wish I could give them ZERO stars. Customer service guys are extremely rude and dishonest. They lie you evey time, they put you on hold and never come back. STAY AWAY FROM THIS BANK!
- David Stafford

Their customer support agents are always there when I need to talk to a person. That’s important to me. My every single issue was resolved in a manner… I appreciate that.
- Hazel Workman

My experience with US Bank has always been pleasant. I love how the staff interacts with clients in general. I am feeling secure and calm because of their loyalty. The personnel is professional and frindly.
- Guadalupe Hernandez

They have given me a reasonable interest rate. I am able to make affordable monthly payments. Customer service is always ready to answer any question I may have. Well done.
- Karla Burke

This is an excellent bank! The personnel is always very helpful and professional. I have been approved for a mortgage several years ago.
- Eve Harrison

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