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What exactly is a Simple Loan?

The U.S. Bank Simple Loan is a fast and convenient method for U.S. Bank checking clients to borrow as much as $1,000 to manage prepared and unplanned expenses.

To get going, merely get on online or mobile banking and find the Simple Loan application from your own bank account menu.

Not really a U.S. Bank checking client? Explore our bank checking account options.

How a Simple Loan works

Apply anytime within on the internet and banking that is mobile by having a real-time choice 1 and immediate access to loan funds

Borrow as much as $1,000, in $100 increments

Loan funds deposited straight into your U.S. Bank customer bank checking account

Repay the loan in three monthly obligations

Simple pricing without any belated costs or prepayment costs.

For almost any $100 borrowed you spend:

$12 charge with automated re payments from your own U.S. Bank consumer bank account

$15 fee with handbook payments

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Re re Payment instance

In the event that you borrow $400 and choose automatic repayments, your cost are going to be $48. Youll pay off a complete of $448 in three monthly premiums of around $149.33 each. Your total price to borrow (apr) are going to be 70.65%.

Simple Loan is just a loan that is high-cost other choices are available:

Unsecured loan a loan that is personal no collateral needed

Charge cards used to go shopping or get a cash loan

Reserve credit line a line that is personal of providing overdraft protection

To obtain started heres what youll need.

You need to be at the very least 18 yrs . old and also have a currentРІ u.s. bank checking account which has been open for no less than a few months

3 months of recurring direct deposits in to a U.S. Bank checking account

Your Personal Protection number

Log on to online and mobile banking and access the straightforward Loan application website website link from the bank checking account web page.

Our application that is online is and protected.

Convenient

If youre already a U.S. Bank client, you’ll find the easy Loan application link regarding the bank account web page when logged into on the internet and mobile banking.

Secure

We utilize the strongest available encryption to protect any information you send.

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Personal bank loan

Charge cards

Reserve personal credit line

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Simple Loan FAQ

What things to know before you use

To be eligible for an individual line you need to have a current U.S. Bank individual bank checking account.

Personal line supplies a funding supply for ongoing economic needs. Should this be the thing you need, or you are seeking a revolving account having a adjustable rate and minimal monthly premiums, an individual line may be best for your needs.

What things to understand before you use

To meet up with the essential skills, ensure you have A u.s. bank checking this is certainly existing account.

Reserve Line protects you against overdrafts on your own U.S. Bank checking account that is personal. Should this be things you need, a Reserve Line may be suitable for you.

What things to understand before you apply

To be eligible for a personal bank loan, you need to be a current u.s. bank customer.

a unsecured loan is really a financing choice for well-qualified candidates who would like to receive their approved loan amount in a swelling amount and repay it in equal monthly obligations over a set length of time.

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To be eligible to use for a U.S. Bank Simple Loan, candidates will need to have an open U.S. Bank account that is checking recurring direct deposits. Other eligibility criteria may apply. Eligibility is non-transferable. Loan approval is susceptible to credit and eligibility approval.

Loans and personal lines of credit can be obtained through U.S. Bank National Association. Deposit items are made available from U.S. Bank National Association. Member FDIC.

Loan payment example: in the event that you borrow $400 and choose automatic repayments, your fee may be $48. Youll pay back an overall total of $448 in three monthly premiums of around $149.33 each. Your total price to borrow (apr) will likely be 70.65%.