What is a Ready Loan?

Lucky you, finding big savings on a big screen just before a big game. Or unlucky you has encountered an unexpected breakdown in your car, a major appliance, or maybe even a water line. So whether you've found a deal so great that you want to strike while the iron is hot, or you find yourself in a tough situation, a Ready Loan can help you — quickly!

Read on to learn more about this quick, easy, collateral-free way to fund what you desire — or to deal with what life deals you.

An easy loan, at the ready

Unlike a secured loan, which requires you to use collateral such as your automobile’s title or equity in your home, UBT’s Ready Loans are unsecured. Your creditworthiness guarantees this personal loan, so they’re perfect for folks with a solid credit score and a strong credit history. The absence of collateral — and often, a subsequent appraisal — considerably streamlines the process. The application is pretty speedy and straightforward, and it’s accessible online or with a friendly banker at your nearest UBT branch.

Keeping it local

Speaking of speedy, our reviewers and decision makers are local, further expediting the process. That means approval and funding is big deal (because you’re a big deal to us), but the process isn’t overly complicated. You could potentially have access to your funds in a little as an hour.

Making good financial sense

All too often, we’re asked to sacrifice cost-effectiveness for the sake of convenience. Fortunately, Ready Loans don’t fall into this category: Interest rates are competitive, and they can even be discounted further when automatic payments are made from a UBT account. There are no prepayment penalties, so borrowing for less time doesn’t cost more money. And you can even set your first payment as far as 45 days out to give yourself a bit of flexibility.

Fast and flexible

The Ready Loan’s ease of application and quick funding make it especially versatile. It’s a great fit for wants, needs, and emergencies. Contact us today to see if a Ready Loan is right for you, and let us know how that new deep freeze works out!