Skip to main content
Why United
Why United
WHY UNITED
Locations
Help
Contact
Exit Mobile
CONTACT
Search
contact-exit

Customer Support

Phone:
1-800-UCBANK1 (1-800-822-2651)
Hours:
Monday-Friday: 8:00am-6:00pm EST
Saturday: 9:00am-12:00pm EST
After hours? Send us a message
Additional contact options 
Schedule an Appointment
MENU

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! 

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
Get StartedTry 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 StartedTry the Auto Loan Calculator

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
Learn MoreSchedule an Appointment

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
Learn MoreSchedule an Appointment

Experience our personalized service.

submit a form

Submit an Interest Form

Get Started
location

Visit Your Local Branch

Find My Location
meeting icon

Meet with an Expert Banker. 

Schedule an Appointment

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.

Apply Online Now

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

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

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 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 expressinsuranceinfo.com/3076927

Please ensure that the mortgage 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

Debt Paydown: What’s the Plan?
The amount of credit card debt consumers owe rose 13% this year, according to The Federal Reserve Bank of New York. Auto loans and mortgages also trended up. Even still, many have found ways to pay down their debt while making ends meet. Use these tips and tools to create your own debt paydown plan.
Read Article

Banking Considerations when Changing Jobs
If you’re going through a job change, it’s important to review your bank accounts and understand how the change may affect what you need now.  
Read Article

What Can Lending Calculators Do for You?
When you’re thinking about a loan—whether it’s for a car, home improvements, or anything else—your first question is probably, “Can I afford this?” An online lending calculator is a quick and easy way to get an idea of how a loan could fit into your budget.
Read Article
View All Posts

1 Upon credit approval.

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

3 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.