skip to main content
personal loans
Whether it's for loan consolidation, home expenses, or emergencies, a personal loan could give you the cash you need, when you need it most.
get money when you need it most
with a personal loan or line of credit from United
Our personal loan options are crafted to get you the money you need when you need it. Let us help you find the option that works best for your situation.
Signature Loan
Whether it’s for a major expense or to consolidate debt, a Signature Loan from United can help.
- Competitive fixed rates, terms and monthly payments
- No application fee or prepayment penalty
- Receive your funds upfront in one lump sum
- Rate discount for Members with automatic payments scheduled from a United Checking Account1
Savings Secure Loan
Use your shares at United to secure a short-term loan.
- Our lowest fixed-rate personal loan available
- Flexible repayment options
- No application fee or prepayment penalty
- Rate discount for Members with automatic payments scheduled from a United Checking Account1
Term Loan
This short-term option lets you access cash with one payment due at maturity. Bridge the gap between your current need and future income.
- Secured or unsecured options
- Competitive fixed rate
- No application fee or prepayment penalty
- Rate discount for Members with automatic payments scheduled from a United Checking Account1
Personal Line of Credit
A personal line of credit from United functions like a credit card, making funds available again as you pay down your balance, up to a limit.2 So you can manage your balance on your terms, with no hassles.
- Pre-approved credit limit
- Helps protect you against incurring unnecessary courtesy pay fees related to your checking account3
- Consolidate debts to avoid paying higher interest rates
- Debt Protection coverage available at low cost4
- No annual fee
related articles
How to Use Skip-a-Payment
United's Skip-a-Payment program allows eligible members to postpone an auto or recreational vehicle loan payment, providing additional flexibility when expenses are higher than usual.
How to Add Your Debit or Credit Card to Your Digital Wallet
Learn how to quickly add your United debit or credit card to your digital wallet through the United app or Digital Banking so you can pay with your phone wherever contactless payments are accepted.
Starting a New Job? Here’s How to Set Up Direct Deposit
Learn how direct deposit works, how to set it up, and why it's a secure and convenient way to receive your paycheck.
6 Benefits of Digital Banking
Digital banking makes it quick and easy to stay on top of your finances.
[1] A 0.25% rate discount is available when automatic payments are established from a United Checking account.
[2] A Personal Line of Credit must be linked to a United Federal Credit Union checking account.
[3] In certain situations, you may still incur a Courtesy Pay Fee. For example, if your credit limit has been exhausted on your Line of Credit, a transaction may cause a Courtesy Pay Fee to be charged. Additionally, if you have available credit on your Line of Credit but the available funds are not sufficient to cover the transaction, you may be charged a Courtesy Pay Fee in order to cover the transaction; if you do not have Courtesy Pay, the transaction will be returned/denied and you could be charged an applicable NSF Fee. Refer to the Consumer Fee Schedule for fee amounts.
[4] Debt Protection products are available independently of credit, are not a condition of credit, are provided by a third party partner and not insured by NCUA. You will receive additional information before you are required to pay for Debt Protection, which will include a copy of the contract containing the terms and conditions of Debt Protection. There are eligibility requirements, conditions and exclusions that could prevent you from receiving Debt Protection. See the contract for a full explanation of the terms and conditions of the program.