Can I Apply for Loans at U.S. Bank? Rates and Phone Numbers
U.S. Bank Loans
U.S. Bank offers a wide variety of options if you need to borrow money.
It is important to highlight that all loans are subject to credit approval and that U.S. Bank requires that you actually have a U.S. Bank checking account to have access to those new funds.
To see whether you are eligible or not for any of their loan products, you should contact the bank customer service over the phone at 800-872-2657 or visit your local branch and ask for a banker who will assess your individual case and give you some advice.
If you do not know where your closest branch is, you can access the U.S. Bank website and search for branches by entering your zip code at https://www.usbank.com/locations/.
Unsecured Personal Loans and Lines of Credit
These Loans are only for U.S. Bank account holders and can provide you with the funds that you need right now.
1) Premier Line of Credit
If you choose the Premier Line of Credit you will be able to obtain high credit limits at a really competitive fixed rate. U.S. Bank rates for this type of loans are between 9.25% and 13.25% depending on how much money you decide to borrow. U.S. Bank annual percentage rate can vary; however, you can always check the rates on their website.
There will also be no annual fees on you loan and you will be able to access you funds in less than 48 hours through Premier Line Checks, U.S. bank tellers, or through their 24-hour online banking system. You can also have access to your funds with your Visa Platinum card.
This loan is suitable for you if you are looking forward to making home improvements, if you want to pay for your children’s college tuition, if you need to pay off debts or even for some expenses you had not expected for this month.
One of the benefits of this loan is that no collateral is needed, which makes it available to a greater number of people.
2) Premier Loan
Another good option is the unsecured personal loan “Premier Loan” offered by U.S. Bank, which also has good rates and no annual fees. This is especially interesting if you are willing to borrow money on only one occasion.
Under this product, once you are approved, you can borrow between $3,000 and $25,000 depending on your credit eligibility. Monthly payments are fixed, as well as interest rates. If you wish to repay, you can choose a repayment plan that suits your pocket. Just as the Premier Line of Credit, the Premier Loan does not require collateral.
If the loan is going to be used for house improvements, you might be interesting in finding out about discounts on interest rates for environmentally friendly houses, which are called “Green Home” and “Energy Efficient” improvements.
3) Reserve Line of Credit
This line of credit consists in overdraft protection for your checking account at U.S. Bank or access to cash for specific needs. It has no annual fees just
as the rest of the loans and finance charges are paid depending on the amount you borrow.
This way you will prevent any overdraft in your checking account, since you can access the line of credit from your computer or cellphone, or through your U.S. Bank credit card anywhere, anytime. You can also make and receive transfers at any ATM or branch or using the online banking system.
*There are several requirements you need to meet in order to be eligible for any U.S. Bank Loan or Line of Credit. One of those requirements is that you should be established in the U.S. and hold a checking account with U.S. Bank. In order to open an account, you can visit one of their branches and make sure you have with you your social security number, information about your rent or mortgage, your employment details and proof of your annual income.
You can apply to any of U.S. Bank Personal Loans and Lines of Credit online, over the phone at 800-491-3150 or personally at a branch.
U.S. Bank Auto Loans are useful for leasing or buying a new or a second-hand car, or even for refinancing your own vehicle. U.S. Bank annual percentage rates have recently decreased to 2.24% and this type of loans does not require down payments and, in fact, their monthly payments a considerably low.
You can apply online at any time, get your auto loan pre-approved and receive an estimate of how much your monthly payments are going to be with the Auto Loan Calculator which can be found on their website.
You can also check the value of vehicles if you are planning to purchase a used car. Credit decisions are generally made on the very same day you apply or within 24 hours.
U.S. Bank Loans have flexible repayments and can also provide you with insurance for you boat or watercraft and any recreational vehicles.
Green Auto Loan Rate Discount: U.S. Bank together with the Environmental Protection Agency, offer a rate discount for borrowers who purchase cars which are certified by EPA-Certified Smart Way, which means that, apart from saving the environment, you will also be saving fuel and money. Green Loans grant up to a 0.5% discount on your interest rate. There is a Green Vehicle Guide available so that you can see which cars are considered environmentally efficient.
For further information on Auto Loans and Special Discounts, contact 800-473-6372, go to their website of visit your closest branch.
Although U.S. Bank does not offer direct student loans, it does grant a series of scholarships you can apply online and receive up to $5,000.
The U.S. Bank products that are available for students are checking and savings accounts with no monthly fees, credit cards, prepaid cards, online and mobile banking and special campus card programs which are added to your campus ID card. If you are a student, remember that all these products can help you start building a good credit history.
Category: Bank loan