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Personal Loans

Money when it matters.

Life doesn’t always go according to plan. A surprise bill, a needed repair, or an opportunity you don’t want to miss can leave you searching for answers. With a Personal Loan from United Bank, you don’t have to wait or worry. We make it simple to borrow the money you need with flexible repayment options that fit your budget. And because this is United Bank, you’ll get help from people who know you and care about your goals. We’re your neighbor, not just a number on a form.

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What You Can Use It For

Consolidating debt
Covering medical expenses
Paying for travel or life events
Making a large purchase

Why Choose a Personal Loan?

Fixed monthly payments

Flexible loan amounts

Quick approvals

Competitive rates

Local decisions and personal service

Personal Loan Options

Consumer Loans

From nice cars to new carpeting and deck construction to debt consolidation, our loans are the perfect way to put plans into action.

Consumer Loans

Personal Lines of Credit

Get easy access to an affordable loan fund that you can tap into over and over, whenever the time is right.

Personal Lines of Credit

CD/Cash Secured Loans

Having trouble borrowing money? We offer an attractive solution with loans secured by funds in your United Bank accounts.

CD/Cash Secured Loans

Consumer Loans

Unsecured	APR*
0-12 Months	12.99%
13-24 Months	13.44%
25-36 Months	13.89%
37-48 Months	14.14%
49-60 Months	14.39%

A Personal Loan from United Bank gives you options. When life happens, we’re here to help you move forward with a personal loan in Alabama or Florida that works for you.

Contact Us Today:

Visit your local branch, call us at 800-423-7026, or fill out the form below.

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*APR - Annual Percentage Rate. All loans are subject to credit approval. Not all applicants will qualify.

For example a $1,000 loan at 12.99% APR for 12 months would have 12 monthly payments of $89.31.

Money that makes almost anything possible

If it has wheels and motors, we have a loan for it. If you want to upgrade your kitchen or repair a roof, we have a loan for it. If you’re looking to haul cargo, tend your lawn, provide pleasure for your family or explore new places – well, you get the picture.

Details:

Competitive rates
Easy application process
Flexible repayment terms to keep your monthly budget on track
Lending limits based on available collateral
Make easy monthly payments with automatic transfers from your checking account

Perfect For:

Autos, boats, RVs
Lawn and garden equipment
ATVs, motorcycles, work trailers
Major home repairs or renovations
Appliances, furnaces and air conditioners
Debt consolidation

Sometimes extra expenses sneak up on you. And sometimes they come at you in giant waves. With a line of credit, you’ll have an affordable way to handle either situation, pay unexpected bills, make needed purchases, cover emergency repairs – or simply do something special for those you love most.

Get access to a loan fund that you can tap into repeatedly over a period of years
Easy access to money with digital banking tools or at United Bank branches
Secured and unsecured credit lines available
Variable interest rates
Ideal for ongoing projects, recurring costs (such as college tuition), or paying down higher interest debt
Often used for vacations, weddings, reunions and other celebrations
Pay interest only on amount of loan fund actually in use

Get the bills paid and your credit back on track

You’re not perfect. That’s OK, none of us are. Even if you have a bumpy financial history, we’ll loan you money – up to the amount you have in your United Bank CD account. Use it for whatever you need. As you pay it back, chances are good your credit score will head in the right direction.

Ideal for borrowers with below average credit or those who are just beginning to build their credit history
Competitive rates
Funds secured by Certificate of Deposit balance
CD continues to earn interest as you repay loan
Final loan repayment date tied to CD maturity date