Buying a Car
Get behind the wheel faster with UBT
Ready to upgrade your ride? We’ll make it easy, starting with a fast and free pre-approval. Find out how much you can (and should) borrow, easy ways to repay, and other helpful advice to make your car buying process smooth and speedy — no bumps in the road. We can also help you find a lower rate, shorter term, or consolidate debt by refinancing your current auto loan.
Cars and trucks
Buying a sensible sedan for your teenager? Or a truck to tackle your weekend adventures? We have loans for that and more.
Motorcycles
If you’re ready to hit the open road and feel the wind in your hair, choose a loan from UBT for your new motorcycle purchase.
Recreational vehicles
Get all the comforts of home no matter where you are. Make your next road trip a lot more fun with an RV loan from UBT.
Buying a Car
There’s a little more to it than kicking the tires
From setting a budget to research and price negotiations, buying a car can be a real whirlwind. Frankly, there’s a lot to consider. And like most complex tasks, it’s best to take it one step at a time. That’s why we put together a handy reference guide and downloadable checklist to accompany you on your buying journey. You can rest easy, because you’ve got people — and a list.
Competitive rates
We aim to give you the best bang for your buck — you can even earn discounts off your interest rate if you make automatic payments from a UBT checking account.
No prepayment penalties
Ready to pay off your loan? We won’t ding you for paying it off faster. Handle your payoff on your own timeline, so you can move on to the next project.
Up to 45 days to first payment
Quick loan approval doesn’t have to mean a quick first payment. Enjoy a little lag time between the day you get your money and the day you start paying it back.
Lending experts
When it comes to finding the right loan, you don’t have to go it alone. At UBT, you’ll find help from real people who really care about finding the right fit.
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.
Loan Offerings
Ready loan
Quick and easy, with no collateral required.
Auto loans
We’re here for you when it’s time to upgrade or refinance your ride.
Home loans
We’ll find the right loan for you to make that new house your home.
Home equity
Use your home’s value to tackle a project or finance whatever’s next in your life.
RV loans
Enjoy the comforts of home, on the road.
Have questions?
Get help from an expert
Loan products subject to credit approval.