Skip to main content

Personal Loans and Lines of Credit

Get Started

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! 

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.

  • 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

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

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


Experience our personalized service.



Submit an interest form

 

Get Started



Visit your local branch


Find a Branch



Meet with an expert banker

 


 

Apply online with Minute Lender3.

Existing customers with a checking account can qualify to apply for an unsecured 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 with a loan expert.

Preferred Contact Method:
Current Customer?:

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).

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

Are there ways to avoid the fee when making a loan payment online?

Yes, you can open a checking or savings account online and make payments via free online transfers.

You may also complete the online payment registration to pay as a registered user to avoid the fee.

Make a Loan Payment

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. 

Didn't find what you are looking for?

View All FAQs  or  Contact Us.

Learning Center

Financial literacy broken down into 5 components.

According to the Financial Literacy and Education Commission, financial literacy is “the ability to use knowledge and skills to manage resources effectively for a lifetime of financial well-being.” If that felt like a mouthful, an easier way of understanding financial literacy is to break it down into these five components.
Read Article

Things you can do right now for your credit score.

Whether or not you like it, understand it or even know it, you have a credit score. When you boil it down to its most basic definition, your credit score indicates how well you manage your debt and helps lenders determine the risk associated with lending you money.
Read Article

Your Credit Score: What It Is and Why It Matters

If you’ve ever applied for a credit card, bought a car or had a utility turned on, you’ve probably had your credit pulled. You know that three-digit number can be the deciding factor in whether or not you get approved, but you may not know exactly what it is or how it’s determined.
Read Article

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.