Building Credit

Set yourself up for success

Whether you're starting from scratch or repairing past damage, building and maintaining good credit is one of the best things you can do for your financial future. We'll help you learn how.

Frequently Asked Questions

Can I get discounts on loan rates?

Yes. You can get a .25% discount for being an existing UBT customer and a .25% discount if you set up automatic payments.

How long does it take to get the funds if I am approved for a loan?
  1. We can close with docusign and normally have funds to you within 24 hrs.
What is the minimum credit score for an auto loan?

The minimum credit score for an auto loan is 650.

What is the minimum credit score for a ready loan?

The minimum credit score needed for a ready loan is 670.

What is the minimumloan amount that I can apply for?

$2500 is the minimum amount that can be applied for on a loan.

What do I do if my credit card expires?

We will issue a new card approximately one month before your current credit card expires and will send it to your current billing address. Your current credit card will continue to work until the end of the month in which it expires or, until you activate your new card. We recommend activating your new card immediately, once you receive it. This can be done by calling our card activation center at (866) 444-0083. Please have your new card available when you call.

For additional questions, or if you have not received the replacement as expected, please contact our Credit Card Support at (402) 323-1465, or toll-free (833) 323-1465.

Be sure to shred your old card once the new one has been activated.

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Learning Center articles, guides, blogs, podcasts, and videos are for informational purposes only and are not an advertisement for a product or service. The accuracy and completeness is not guaranteed and does not constitute legal or tax advice. Please consult with your own tax, legal, and financial advisors.