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.
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
| 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% |
Secondary approval by Credit Administration required for unsecured loans over 24 months
Subtract .25% from rate if customer chooses AFT from UB Account
For loans less than $2,000, see Consumer Mini Code tab
Minimum credit score of 615
Max DTI 40%
Subtract .25% from rate if customer chooses AFT from UB Account
For loans less than $2,000, see Consumer Mini Code tab
Minimum credit score of 615
Max DTI 40%
Personal Line of Credit
| Credit Score | Rate | Terms | Payment |
|---|---|---|---|
| 715+ | WSJ Prime + 1.00% | 60 Months | 1.5% monthly |
Transfers from PLOC available via Online Banking Transfer, In-Person Request, or Phone Request (No checks)
Standard consumer doc prep fee applies and may be deducted from the line
Does not qualify for discounted rate with AFT from UB account
Minimum line amount of $5,000 with a maximum of $25,000
Minimum gross monthly income of $1,500
Current UB deposit relationship required
Ceiling rate of 18%
Max DTI of 40%
Standard consumer doc prep fee applies and may be deducted from the line
Does not qualify for discounted rate with AFT from UB account
Minimum line amount of $5,000 with a maximum of $25,000
Minimum gross monthly income of $1,500
Current UB deposit relationship required
Ceiling rate of 18%
Max DTI of 40%
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.
Getting started is easy:
Visit your local branch, call us at 800-423-7026, or fill out the form below.
All loans subject to credit approval. Not all applicants will qualify.
United Bank is a full-service financial institution with branches in Alabama and Florida.