U.S. Bank (loans): verified facts and rating
Licensed since: 1863 Checked 2026-10-30
Score breakdown
86% backed by facts · How we rank
U.S. Bank (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference82%125%100% · median 100%
Maximum amount, % of country reference70%300%100% · median 100%
Longest term60 mo84 mo84 mo · median 60 mo
U.S. Bank (loans) strengths and weaknesses
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Publishes how to complain
- No arrangement fee in the standard terms
Cons
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All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 1863 ESTYMD 07/13/1863 | api.fdic.gov | 2026-10-30 |
| Licensed by the regulator | Yes FDIC cert 6548, ACTIVE 1 | api.fdic.gov | 2026-10-30 |
| Published rate, % of country reference | 100% As of October 26, 2026 fixed APR ranged from 8.24% to 24.99%; lowest requires $10,000+, 12-36 months, score 800+, home improvement purpose, includes autopay discount · APR 8.24% · index 100 = 8.2% (median at launch) | usbank.com | 2026-10-30 |
| Free early repayment | Yes there is no prepayment penalty. You're always free to make loan payments ahead, in part or in full. | usbank.com | 2026-10-30 |
| No arrangement fee | Yes Personal loans from U.S. Bank have no origination fees | usbank.com | 2026-10-30 |
| Fees or terms published | Not verified | — | |
| Complaints procedure | Yes How do I report a concern with a U.S. Bank product or service? | usbank.com | 2026-10-30 |
| Online application for new customers | Yes Check your rate / Apply now; non-clients can borrow up to $25,000 | usbank.com | 2026-10-30 |
| Support hours a week | Not verified | — | |
| Maximum amount, % of country reference | 100% $1,000 to $50,000 for current clients; non-clients up to $25,000 · max 50000 USD · index 100 = 50000 USD (median at launch) | usbank.com | 2026-10-30 |
| Longest term | 84 mo 12 to 84 months for clients; up to 60 months for non-clients | usbank.com | 2026-10-30 |