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Personal Loan Options

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Get a loan to own...

One of the many perks of being part of the community is that we can work together to help you with your loan needs. Get started now with one of the personal loans below.
Personal 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.

  • Quick approval process and local decision-making
  • 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
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
Home Equity

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 Bank'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

Apply online with Minute Lender3.

Existing customers with a checking account can qualify to apply for a loan or line of credit1 up to $15,000. Get a response in minutes and access your funds in three business days or less.

Get in touch.

Preferred Contact Method:
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Frequently Asked Questions

Who do I contact if I have questions about my personal loan?

Stop by one of our locations near you to speak with a loan officer or use our locator tool to find a mortgage loan officer.

If you'd like to speak with one of our customer support representatives, please call us at 1-800-UCBANK1 (1-800-822-2651).

I’m switching my hazard insurance to a different company. What do I do?

You need to let us know as soon as possible by fax or mail at the address below that you’ve changed insurance companies.  Please include your name, address and loan number, along with the new policy information.

Mail:
United Community Bank
ISAOA/ATIMA
P O Box 7092
Troy, MI 48007-7092 

Fax: 1-248-710-1630

You may also submit your insurance policy online at http://www.expressinsuranceinfo.com/3076927

Please ensure that the mortgagee clause on the new policy matches the name and address above. 

Can I pay off a loan through the online loan payment system?

Yes! But here’s a few things to remember:

  1. The loan can’t be a revolving line of credit as we do not process and payoff this loan type through the online loan payment system.  Revolving lines of credit include Overdraft Protection, Home Equity Line of Credit, Personal Line of Credit or Business Line of Credit.  
  2. The payment must be $5,000 or less and result in all outstanding principal, interest and applicable fees paid to $0.

Make a Loan Payment

What forms of payment are accepted through the online loan payment system?

The following forms of payment are accepted through the online loan payment system:

  • Debit card
  • ACH - bank account and routing number 

Make a Loan Payment

I’m switching my homeowners / hazard / flood insurance to a different company. What do I need to do?

You need to let us know as soon as possible by fax or mail at the address below that you’ve changed insurance companies.  Please include your name, address and loan number, along with the new policy information.

Mail:
United Community Bank
ISAOA/ATIMA
P O Box 7092
Troy, MI 48007-7092 

Fax: 1-248-710-1630

You may also submit your insurance policy online at http://www.expressinsuranceinfo.com/3076927

Please ensure that the mortgagee clause on the new policy matches the name and address above. 

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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.