What are the pros and cons of a debt consolidation loan?

Debt consolidation loans combine multiple loans and lines of credit, including credit cards, into one monthly payment with a lower interest rate. Pros: Lower interest rate Simplified payment process Ability to pay down debt faster Potential to improve your credit score Cons: Loan origination fees and closing costs Temptation to take out more debt on the consolidation loan To learn more, read the article: The Pros and Cons of Debt Consolidation .

Can you get a personal loan from your bank?

Yes. It’s easy to start the loan or line of credit process at United Community Bank. Choose the best way for you: Find your nearest branch Talk with your local United Community Bank lending specialist Apply online and get a response in minutes

What’s the difference between a personal loan and personal line of credit?

With a <a href="https://www.ucbi.com/personal-banking/borrowing">personal loan</a>, you get a lump sum of money all at once. With a <a href="https://www.ucbi.com/personal-banking/borrowing">personal line of credit</a>, you can take out smaller amounts of money as you need it, similar to a credit card.

How can I get a personal loan near me?

United Community Bank offers extensive <a href="https://www.ucbi.com/personal-banking/borrowing">personal loan and line of credit</a> options with competitive rates. Find your <a href="https://www.ucbi.com/locations">nearest branch</a> or <a href="https://www.ucbi.com/personal-banking/borrowing">talk with your local United Community Bank lending specialist</a>.

What are the pros and cons of a debt consolidation loan?

<a href="https://www.ucbi.com/personal-banking/borrowing">Debt consolidation loans</a> combine multiple loans and lines of credit, including credit cards, into one monthly payment with a lower interest rate. Pros: <ul> <li>Lower interest rate</li> <li>Simplified payment process</li> <li>Ability to pay down debt faster</li> <li>Potential to improve your credit score</li> </ul> Cons: <ul> <li>Loan origination fees and closing costs</li> <li>Temptation to take out more debt on the consolidation loan</li> </ul> To learn more, read the article: <a href="https://www.ucbi.com/support/learning-center/the-pros-and-cons-of-debt-consolidation">The Pros and Cons of Debt Consolidation</a>.

Can I get a personal loan today?

Yes. If you qualify, you can get a <a href="https://www.ucbi.com/personal-banking/borrowing">personal loan</a> fast. Apply for a personal loan at United Community online and <a href="https://minutelender.ucbi.com/">get a response in minutes</a>.

Can you get a personal loan with no credit?

Like having bad credit, having no credit makes it more challenging (but not impossible) to get a <a href="https://www.ucbi.com/personal-banking/borrowing">personal loan or line of credit</a>. Talk with your United Community Bank <a href="https://www.ucbi.com/personal-banking/borrowing">lending specialist</a>. Check out this article for more tips: <a href="~/support/learning-center/give-your-credit-score-a-boost">Give Your Credit Score a Boost</a>

Can you get a personal loan with a cosigner?

If you have bad credit or no credit, a cosigner could help you qualify for a loan amount and interest rate that you wouldn’t have otherwise. Apply online and <a href="https://minutelender.ucbi.com/">get a response in minutes</a>.

Can you get a personal loan from your bank?

Yes. It’s easy to start the loan or line of credit process at United Community Bank. Choose the best way for you: <ul> <li>Find your <a href="https://www.ucbi.com/locations">nearest branch</a></li> <li><a href="https://www.ucbi.com/personal-banking/borrowing">Talk with your local United Community Bank lending specialist</a></li> <li>Apply online and <a href="https://minutelender.ucbi.com/">get a response in minutes</a></li> </ul>

couple excited about their personal loans

Loans and Lines of Credit

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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!

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Loans and Lines of Credit

We offer competitive interest rates on personal loans and lines of credit to help you cover just about any need—including computers, appliances, furniture and small home-improvements.

Local, responsive lenders help you access cash when you need it
Choose from convenient monthly payment options
Open a fixed-rate personal line of credit¹ for extra cash when you need it
Use your line of credit for 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.

Apply Online Now Try the Loan Calculator

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

Get Started Try the Auto Loan Calculator

woman completing a home project with a home equity loan

HELOCs & 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.⁴

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

Learn More Schedule an Appointment

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

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Get in touch with a loan expert.

Frequently Asked Questions

With a personal loan, you get a lump sum of money all at once. With a personal line of credit, you can take out smaller amounts of money as you need it, similar to a credit card.

You can get a personal loan or line of credit for any reason, as long you qualify. Many people use personal loans or lines of credit to consolidate credit card debt at a lower interest rate, buy a car or pay for college or trade school.

As with any type of debt, it’s a good idea to weigh the pros and cons before you get a personal loan or line of credit. It may be worthwhile if it saves you money on higher-interest credit card debt or gets you through an emergency. It may not be the best idea if you plan to use it for something you could do without and can’t comfortably afford the monthly payments.

United Community Bank offers extensive personal loan and line of credit options with competitive rates. Find your nearest branch or talk with your local United Community Bank lending specialist.

Debt consolidation loans combine multiple loans and lines of credit, including credit cards, into one monthly payment with a lower interest rate.

Pros:

Lower interest rate
Simplified payment process
Ability to pay down debt faster
Potential to improve your credit score

Cons:

Loan origination fees and closing costs
Temptation to take out more debt on the consolidation loan

To learn more, read the article: The Pros and Cons of Debt Consolidation.

The difficulty of getting a personal loan or line of credit depends on your credit score, income, existing debt and employment history. Talk with your United Community Bank lending specialist to see where you stand and take the next steps.

Yes. If you qualify, you can get a personal loan fast. Apply for a personal loan at United Community online and get a response in minutes.

It’s possible to get a personal loan or line of credit with bad credit but you may qualify for a lower loan amount and pay a higher interest rate. Talk with your United Community Bank lending specialist to explore your options.

Like having bad credit, having no credit makes it more challenging (but not impossible) to get a personal loan or line of credit. Talk with your United Community Bank lending specialist.
Check out this article for more tips: Give Your Credit Score a Boost

If you have bad credit or no credit, a cosigner could help you qualify for a loan amount and interest rate that you wouldn’t have otherwise. Apply online and get a response in minutes.

Yes. It’s easy to start the loan or line of credit process at United Community Bank. Choose the best way for you:

Find your nearest branch
Talk with your local United Community Bank lending specialist
Apply online and get a response in minutes

Learning Resources

Ways to Celebrate Financial Literacy with Your Family

United Community customers can enjoy Greenlight’s loved and trusted money app for free. Kids and teens earn money through chores, set savings goals, and spend wisely with their own debit cards. Parents automate allowance, set flexible controls, and get real-time notifications every time their kids spend money.

Read Article

Protect Yourself from Fraudulent Calls, Texts, and More

Scammers are impersonating bank employees in an attempt to obtain personal information and access to accounts. These fraudsters are sophisticated and may even spoof our phone number, making it look like the call is coming from United Community.

Read Article

woman opening a checking account online with United Community

Switch Banks in Six Easy Steps

Switch your checking account to United Community in just six easy steps. Follow our simple checklist for a seamless transition to better banking today!

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Upon credit approval.

²Not available for Lines of Credit originated through Minute Lender.

³Limits 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.

⁴ United Community Bank offers first-lien and second-lien amortizing fixed-rate Home Equity Loan (HELoan) products. The first-lien HELoan is available in amounts ranging from $10,000 to $75,000. The second-lien HELoan is available in amounts ranging from $10,000 to $1.5 million. HELoan products are available for consumer owner-occupied, single-family residences and are not available on manufactured homes. Closing costs vary by state and loan amount. Bank may choose to waive a portion of the closing costs. Borrower pays all costs pertaining to recording fees, tax monitoring fees and mortgage taxes. Bank must be in a valid first or second-lien position.