Skip to Content
    couple excited about their personal loans

    Loans and Lines of Credit

    Get Started
    Loans and Lines of Credit

    Support for your next big dream.

    Your dreams are our dreams. If you need a personal loan or line of credit to achieve them, we have a full suite of ​flexible lending options ready to fit your needs. Our competitive rates and award-winning service will give you the financial support you need to finish that home improvement project or buy your next home, without the stress of doing it all alone. Open a line of credit or apply for a loan with United today! 

    Loans and Lines of Credit

    We have competitive rates and offer the ideal financial boost to purchase computers, appliances, furniture or to fund a small home-improvement project—and can tailor an installment loan that will fit your more minor borrowing needs.

    • Local, responsive lenders help you access cash when you need it
    • Choose from convenient payment options
    • Open a fixed-rate line of credit1 for extra cash when you need it
    • Use your line of credit for personal overdraft protection2
    • Access your line of credit through your existing checking account
    • Existing customers with a checking account can qualify to apply for an unsecured loan or line of credit1 up to $15,000 with Minute Lender3.
    man driving his car with dog

    Auto Loans

    Get on the road faster while saving money with our smart auto loan options. With competitive rates on our loans, it allows you the flexibility to choose from various terms to fit your needs.
    • Choose from a variety of terms at competitive rates
    • Applicable to new and used vehicle purchases or loan refinances
    • Borrow money towards your car, truck, boat or recreational vehicle
    woman completing a home project with a home equity loan

    Home Equity Loans

    Use the equity in your home to secure a fixed-rate loan that you can use to pay for any number of large purchases or projects. With United Community's Home Equity Loans, you receive your money in one lump sum to manage as you see fit.

    • Fixed and variable interest rates with flexible terms
    • Set period of time to pay it back
    • No prepayment penalty
    a house

    Home Loans & Mortgages

    The housing market can be intimidating, but that doesn't mean your mortgage should be. With flexible loan programs and terms that fit whatever home you're looking for, we can work together to find the right solution for your home-buying needs. 

    • Fixed and adjustable rate mortgages
    • First-time homebuyer programs
    • Construction and renovation options
    • Veteran programs
    • Up to 100% financing

    Get in touch with a loan expert.

    Learning Resources

    Couple who bought their first home Make Buying a Home More Affordable
    When interest rates rise, your home-buying budget goes down. That’s because more of your monthly payment is going toward paying interest instead of paying down the money you borrowed. But there are ways to make homeownership more affordable so that you can buy the home of your dreams.
    Read Article
    text scam on mobile device Protecting Yourself from Text Phishing Scams: A Guide to Safeguarding Your Finances
    Recently, there has been a surge in text phishing scams that seem to come from legitimate fraud prevention centers. They can be very convincing, but there are still several red flags you can watch for to protect your money and keep yourself from falling for it—and other scams like it. 
    Read Article
    new home construction FAQs about United Community Mortgage’s Construction-to-Permanent and Construction-Only Loan Products
    Financing a new home build might be something you’ve never done before. At United, we’re committed to making sure you know what to expect every step of the way. That’s why we put together this guide to help you navigate the process.
    Read Article
    1. Upon credit approval.

      Not available for Lines of Credit originated through Minute Lender.

      Limits apply. Minute Lender offers unsecured personal loans and lines of credit only. Please contact a branch office for additional personal loans and lines of credit, including those secured by a Certificate of Deposit or other collateral. Once a Minute Lender loan is obtained by a customer using a deposit relationship, anyone with account affiliations with that customer is ineligible for a Minute Lender loan. As an example, if Customer A and Customer B are owners or signers on a deposit account and Customer A obtains a Minute Lender loan, Customer B is ineligible for a Minute Lender loan. These limits apply even if Customer B maintains additional deposit accounts that are not affiliated with Customer A. As an alternative, ineligible customers may reach out to your local branch for additional lending options.  

    External Link Disclaimer

    You are leaving United Community and being directed to a third-party site that is not maintained, owned or operated by United Community Bank. United Community does not control and is not responsible for the privacy or security practices of the third-party. By clicking “Accept,” you are requesting to be transferred to the third-party website. If you do not want to visit the page, you can close this page by clicking "Return To Site”.