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Personal Loans with Union Bank®

Design a personal loan tailored for your needs

We are currently accepting applications by invitation only, so check your mailbox regularly.

Received an invitation?  Click “Get Your Loan Options” to get started. Seeing your options won’t impact your credit score.

Why get a Personal Loan with Union Bank?

Low fixed rates

Get a fixed rate from 6.99% to 19.99% APR depending on loan purpose, term and creditworthiness.

No up-front fees

Get started with zero application or origination fees.

Pay on your terms

Select a loan amount and monthly payment, both based on your eligibility.  Loans available from 36 to 84 months.

Trusted advisors

Backed by a leading global financial institution.


What is a personal loan?

A personal loan has a fixed interest rate, a fixed repayment term and a regular monthly payment schedule.  Collateral is not required, and the interest rate you qualify for may be lower than the rate on your credit card.  Personal loans can be used to finance many personal, family, or household expenses such as consolidating high-rate credit card debt, making home improvements, or financing large expenses.  If you're considering a personal loan, here's what to look for.

Woman applying for a personal loan online

Take control of your finances with a Union Bank Personal Loan

Consolidate your high-rate balances with a Union Bank Personal Loan, and feel the satisfaction that with each monthly payment made, you're paying down your loan when you consolidate debt with a personal loan.

Family working on a home improvement project

Turn your dream home into a reality with a personal loan

Remodeling your home is daunting enough without worrying about how to pay for it. Finally, put your home improvement plans into action with a personal loan from Union Bank.

Couple enjoying their honeymoon vacation abroad

Finance bigger ticket items with a personal loan

A dream vacation, a destination wedding — life can be expensive. Fortunately, with a low interest rate personal loan from us, spend less time worrying and more time celebrating all that life has to offer.

Apply for a personal loan in 3 easy steps

View your personal loan options

Simply tell us what you need and we'll show you the loan options you qualify for without impacting your credit score.

Make your selection

We offer loan options suited to your needs. Choose one that works best for you.

Receive your funds

We send the funds out 1 business day after you accept the loan. However, it may take between 3-5 days for your creditors to receive the funds and post them to your account.


What can a Personal Loan be used for?

Personal loans can be used to help cover most any personal expense, including but not limited to: consolidation of non-Union Bank credit card balances, home improvements, weddings and much more.  Loan proceeds cannot be used for any illegal purpose (including gambling activities); or allocated toward obligations you owe to Union Bank; student loan or mortgage accounts held with any lender; or accounts subject to collections or a lien, such as a tax lien. 

Does it cost anything to apply for a loan?

You can apply for a Personal Loan from Union Bank at no cost because there are no application or origination fees.

Will checking my rate affect my credit score?

You can check the rates for your available loan offers without impacting your credit score.  Once you select the loan that best fits your needs, you will complete and submit your credit application.  Union Bank will then access your credit report and make a final loan decision.

How soon can I get my money after my loan is approved?

Union Bank will disburse the funds to you and/or your creditors within 24 hours of your accepting the loan. For debt consolidation loans, your creditors will receive their designated funds for payment on your account in 3-5 business days. In the meantime, please continue making your scheduled payments.