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Loans and Lines of Credit

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Loans and Lines of Credit

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 offer competitive interest rates on personal loans and lines of credit to help you cover just about any need—including computers, appliances, furniture and small home-improvements.

  • Local, responsive lenders help you access cash when you need it
  • Choose from convenient monthly payment options
  • Open a fixed-rate personal line of credit1 for extra cash when you need it
  • Use your line of credit for overdraft protection2
  • Access your line of credit through your existing checking account
  • Existing customers with a checking account can qualify to apply for an unsecured loan or line of credit1 up to $15,000 with Minute Lender3.
man driving his car with dog

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
woman completing a home project with a home equity loan

Home Equity Loans

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's Home Equity Loans, you receive your money in one lump sum to manage as you see fit.4

  • Fixed and variable interest rates with flexible terms
  • Set period of time to pay it back
  • No prepayment penalty
a house

Home Loans & 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

Get in touch with a loan expert.

Frequently Asked Questions

With a personal loan, you get a lump sum of money all at once. With a  personal line of credit, you can take out smaller amounts of money as you need it, similar to a credit card.
You can get a personal loan or line of credit for any reason, as long you qualify. Many people use personal loans or lines of credit to consolidate credit card debt at a lower interest rate, buy a car or pay for college or trade school.
As with any type of debt, it’s a good idea to weigh the pros and cons before you get a personal loan or line of credit. It may be worthwhile if it saves you money on higher-interest credit card debt or gets you through an emergency. It may not be the best idea if you plan to use it for something you could do without and can’t comfortably afford the monthly payments.
United Community Bank offers extensive personal loan and line of credit options with competitive rates. Find your nearest branch or talk with your local United Community Bank lending specialist.
Debt consolidation loans combine multiple loans and lines of credit, including credit cards, into one monthly payment with a lower interest rate.  

  • Lower interest rate
  • Simplified payment process
  • Ability to pay down debt faster
  • Potential to improve your credit score
  • Loan origination fees and closing costs
  • Temptation to take out more debt on the consolidation loan
To learn more, read the article: The Pros and Cons of Debt Consolidation.
The difficulty of getting a personal loan or line of credit depends on your credit score, income, existing debt and employment history. Talk with your United Community Bank lending specialist to see where you stand and take the next steps.
Yes. If you qualify, you can get a personal loan fast. Apply for a personal loan at United Community online and get a response in minutes.
It’s possible to get a personal loan or line of credit with bad credit but you may qualify for a lower loan amount and pay a higher interest rate. Talk with your United Community Bank lending specialist to explore your options.
Like having bad credit, having no credit makes it more challenging (but not impossible) to get a personal loan or line of credit. Talk with your United Community Bank lending specialist.
Check out this article for more tips: Give Your Credit Score a Boost
If you have bad credit or no credit, a cosigner could help you qualify for a loan amount and interest rate that you wouldn’t have otherwise. Apply online and get a response in minutes.
Yes. It’s easy to start the loan or line of credit process at United Community Bank. Choose the best way for you:
  1. 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. 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.  

    4 United Community Bank offers first-lien and second-lien amortizing fixed-rate Home Equity Loan (HELoan) products. The first-lien HELoan is available in amounts ranging from $10,000 to $75,000. The second-lien HELoan is available in amounts ranging from $10,000 to $1.5 million. HELoan products are available for consumer owner-occupied, single-family residences and are not available on manufactured homes. Closing costs vary by state and loan amount. Bank may choose to waive a portion of the closing costs. Borrower pays all costs pertaining to recording fees, tax monitoring fees and mortgage taxes. Bank must be in a valid first or second-lien position.

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