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  • UsBank
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  • Last modified: 27th February 2020

Is there a personal loan that really suits your needs? Do you need a personal loan to pay for your wedding, a reform or to buy a car?

When it comes to applying for a loan, it is difficult to assess what are the conditions that best suit your needs. Normally you have to abide by the premises that the bank imposes on you without giving you many options or alternatives. Not to mention how complicated it is today to get a bank to grant you a loan. But there is a company through which you can obtain a personal loan adapted to you and your financial situation.

UsBank grants you up to € 60,000 to be returned in 96 months. No paperwork, no queues and through a quick and easy system. In 2 minutes you know if they grant you the loan. Once approved, in less than 48 hours you can enjoy your money. You want to know more?

What is UsBank?

To speak of UsBank is to speak of tranquility, since it is backed by the PNB Paribas Group, which has been working for 25 years. It has been operating in the United States since 1988. Having more than 2.5 million individual clients has made it one of the largest companies specialized in offering financial services to individuals. Its star products are consumer loans, card management and online credits. UsBank has more than 400,000 active cards in the United States, which is why it is recognized as # 1 in consumer loans. So many people can't be wrong right?

Why does UsBank have so many clients?

There is no cheat or cardboard here. Having a unique philosophy and focusing its services on achieving maximum customer satisfaction is the foundation of this company. Its three cardinal points are:

  1. Keep the customer always informed of all aspects of their products as well as the operation of the market. Everything is transparent through clear and simple information.
  2. They adapt to the needs of each client and grant credits only in a responsible way. That is, when they know that the person will be able to pay their loan. They do not want to cheat or put people without financial means into debt.
  3. Support and guide their clients throughout the entire loan process. They do not want many customers, they want people happy with the service who do not feel like a number more. For this reason, you will have their support at all times and you can resolve any questions or problems at any time. 

In addition, belonging to one of the large financial groups such as BPN Paribas, makes its trajectory very solid. It is present in more than 80 countries.

Requirements to apply for your personal loan online

One of the best qualities when applying for a credit online with UsBank is that its requirements are accessible to everyone and you do not need to meet a long list of conditions.

These are the basic requirements that you must meet in order to start requesting your money at UsBank:

  • Being over 18 years.
  • Be a resident of the United States.
  • Have monthly income.

As with any loan and following its principle of responsible financing, UsBank studies each client individually and adapting to their situation.

Personal loans: how they work

The process and operation is very simple, since it is you who decides the conditions at all times. You choose the amount of your loan, the maximum being € 60,000 . If the amount is less than € 10,000, the maximum duration is 60 monthly payments, but if the amount is greater, the term may be up to 96 months. You can do the calculation of your loan here , so that in advance you can know the interest that you will have to pay.

If, for example, you need € 10,000 to make renovations at home and you want to return them in 60 monthly payments (5 years), the monthly fee will be € 197.78. The total cost of your loan would be 11,866.80 us dollars, being 1,866.80 the total interest that you would have to pay. At all times, you will know what you have to pay, without unpleasant surprises or scares along the way.

UsBank gives you the option of being able to request loans for your home, car change, reforms, trips, medical operations, weddings ... It offers tailor-made loans adapting to your conditions . And best of all, you don't need to change banks.

UsBank credit cards

To make it easier for you, UsBank grants its customers a card. You decide the amount of fixed money you want to pay each month on your credit line, between 3.5% and 33%. This amount can be modified as long as you indicate it before the 20th of each month. In addition, twice a year you have the possibility to postpone your fee.

With this card you can directly withdraw up to € 300 per day from any ATM. And it also gives you the option to make transfers to your checking account with the available amount of your card.

What happens to your credit if you fall ill, get fired from work, suffer an accident ...?

UsBank thinks about these possibilities and provides its clients with the opportunity to contract a Card Payment Protection Insurance or Payment Protection Insurance. Through these insurances, you guarantee the amortization of your payments whether it is due to temporary disability or unemployment, if you are self-employed, civil servant or employee.

There is also another Family Card Protection insurance in case of theft or loss of all your cards. Like Zero Worry Travel Insurance. UsBank does not forget about your loved ones offering you a Protection Insurance for you and yours, for your home, for accidents and hospitalization, for people over 50 years old and a death insurance.

Best of all, it is very easy and fast to take out these insurances and they have a very small cost for the advantages and security they provide. The amount of the insurance is included in the installment of your loan.

Do you want to unify your debts?

UsBank gives you the possibility to unify all your loans and thus be able to pay a single installment and for a smaller amount. This option is called "group solution" and is indicated for those people who have been customers of the UsBank Bank for more than 12 months and have a current credit. Consumer loans, mortgage payments, and credit cards can be reunified.

How is debt unification done?

It is done through the website. Depending on your budget, UsBank provides you with a solution to reunify your expenses. You must send the documentation they require. Once they receive it, they study your case and make a proposal for the reunification of your debts. That easy.

What if I want to request a postponement of a receipt for your card?

UsBank calls this Wildcard and you must request it before the 20th of the month. You can run it through the "Client Area" on your website, by calling or writing. In order to use this wildcard you must have made at least four monthly payments correctly. You can only use the wild card twice a year.

How to partially or totally cancel your personal loan?

To amortize part of your credit you can make a transfer to the UsBank account number in which you must indicate your name + surname + ID.

But if what you want is to completely cancel your loan, you should contact UsBank through their chat or their phone number so they can tell you how to do it in an easy way.

The interest rate you pay for your loan with UsBank is lower than in other online credit companies since the repayment time of your debt is much longer than in the competition. This, together with the rest of the good conditions that UsBank offers you and the possibility of adapting to your needs when applying for a loan, makes it one of the first options to request a loan.

If you want to know who is behind the UsBank brand, we recommend that you watch this video where the offices in United States are shown:

At this point, you already know all the information about UsBank, you may want to use the loan comparison tool to study other options and make the right decision. Here we leave you all the entities that grant online loans in United States so that you can make the comparison.

UsBank overview

Summary: Are you thinking of applying for a long-term personal loan? Do you need extra financing for a personal project? UsBank offers you up to $ 60,000 to return in 96 months.

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