Auto & Personal Loans

Flexible financing to help you achieve your goals — today

Whether you’re looking for a new vehicle, starting a home renovation project, or consolidating debt, we’ll help you find the right loan for your needs.

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!

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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

What does APR stand for, and how is it calculated?

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.

Once I submit my loan payment online through UBTgo online or mobile banking, when will my loan be paid?

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.

Can I schedule my payment for a future date?

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.

Can I make my loan payment through the UBTgo mobile app?

If you are making a payment from your UBT checking or savings account, you can make a payment through the mobile app.

Can I be reminded when I have an upcoming payment due?

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.

What if I don’t want to pay online?

You are welcome to stop by any of our branches to pay in person.

Loan products subject to credit approval.