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.

3 easy ways to pay your loan

Whether you pay online, via check, or in person, making payments to your loan is easy as can be.

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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.

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.

How does a Home Equity Line of Credit (HELOC) work?

A Home Equity Line of Credit (HELOC) is a revolving loan that provides you with the ability to borrow funds at the time and in the amount you choose, up to a maximum credit limit for which you have been approved. A HELOC is secured by the equity in your home. You can easily access your HELOC through your existing UBT checking account via online  or automatic transfers, or set up a separate HELOC checking account for convenient access through a HELOC Visa Debit Card.

What is the difference between a Home Equity Line of Credit (HELOC) and a Home Equity Loan?

Both a Home Equity Loan and a Home Equity Line of Credit (HELOC) are secured by the equity in your home.

A Home Equity Loan has a fixed rate, payment and term.

A HELOC works like any other revolving line of credit and is very similar to a credit card. It allows a homeowner to use the equity in his/her home on an ongoing basis. You can easily access your HELOC through your existing UBT checking account via online  or automatic transfers, or set up a separate HELOC checking account for convenient access through a HELOC Visa Debit Card. The interest rate on our HELOC is variable and will change from time to time.

Please consult your tax advisor regarding the deductibility of interest for home improvements.

What are some ways I can use my Home Equity Line of Credit (HELOC)?

You can access your funds any time you choose, for any purpose. Home equity lines of credit are often used for larger purchases like home improvement, college tuition, automobile or second home purchases, or the consolidation of high interest-rate debt. 

Loan products subject to credit approval.

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