Ready loans
Quick. Easy. Hassle-free. Put your loan request on the fast track with a streamlined application, no collateral or appraisal, no prepayment penalties, and quick access to your funds.
Auto loans
Whether you’re buying, refinancing, or using your car as collateral, we can help. Find out what you can afford, how much you can borrow, and more, starting with a free pre‑approval.
RV loans
Get the comforts of home, on the road, with a loan for an RV or motor home. We’ll help take care of all the details with competitive loan rates, no prepayment penalties, and flexible terms.
Home equity
Ready to remodel? Whether you’re handy with a hammer or prefer to hire a contractor, our home equity solutions use the value of your house to make you feel right at home.
Apply for student loans with Nelnet Bank
Apply for a private student loan to fund your educational dreams. With great rates, flexible repayment terms, and no origination fees, Nelnet Bank brings you the very best in education loan options.
Refinance your student loans with Nelnet Bank
Already have student loans? Consolidate your high-interest-rate loans into a lower monthly payment. Nelnet Bank brings you the very best in student loan refinancing, featuring great rates and no origination fees.
Big Purchase Calendar
Free download: The best times to make big purchases
Patience is a virtue, but it’s also a great way to save money. We put together a calendar of when popular (and pricey) items typically go on sale. It's a savvy shopper's guide to the best deals each month. Get yours today, and happy shopping!
Home Equity Loans & Lines of Credit
Put your home equity to good use
If you’re spending more time at home than usual due to social distancing efforts, now might be a great time to tackle some home improvement projects with a home equity loan or line of credit from UBT. You could also use your home's equity to pad your emergency fund during this challenging time. No matter your approach, a home equity line of credit is a great way to use your investment to your advantage.
Frequently Asked Questions
APR stands for "annual percentage rate." It is the annualized cost of credit, expressed as a percentage. The APR calculation considers certain fees to reflect the cost of credit in addition to interest.
If you’re paying from a UBT account prior to 9 p.m. CT on a business day, the payment will process on that same business day. If it’s after 9 p.m. CT on a business day or it’s a weekend or holiday, the payment will process on the next business day.
If you’re paying from a non-UBT account and submit your payment prior to 6 p.m. CT on a business day and you select the same day as the transfer date, the loan payment will credit on the next business day. If the payment is submitted after 6 p.m. CT on a business day or it’s a weekend or holiday, the earliest date available for you to select as the transfer date is the next business day. Your loan payment will then be credited within two business days.
Yes. Simply select Future as your scheduling option. You’ll be able to select which date you’d like your payment to come out on.
If you are making a payment from your UBT checking or savings account, you can make a payment through the mobile app.
Yes. Setting up an Alert is fast and easy. Learn how to set up an Alert in our handy “Enrolling in UBTgo and setting up loan payments” guide, found here.
You are welcome to stop by any of our branches to pay in person.
Have Questions?
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Loan products subject to credit approval.
† Offer subject to credit approval. Requires automatic payment from a Union Bank checking account. Minimum loan amount $2,500; terms of 120 months or longer require minimum loan amount of $15,000. Offer valid on applications taken on or before April 30, 2022. Not valid on loans in process. Cannot be combined with any other offer.