Personal Loans

Most people need to borrow money at some point. United Bank’s personal loans combine the flexibility of a major financial institution with the service of a neighborhood bank. We’ll get to know you and your unique situation, tailoring your United Bank loan to meet your specific needs. And because we make our approval decisions locally, you’ll hear from us in hours, not days.† 

We can select options for your United Bank loan to fit your circumstances: short term or long term, secured or unsecured.  Building a home? You can get a United Bank loan to finance your construction project. Let us partner with you as soon as you begin to review the house plans.  Your lender assisting with your construction loan will tag team directly with your United Bank loan mortgage specialist for a seamless transition as your house is completed.

Al and Christi Mauldin partnered with our lending team in Jackson, GA recently to build their dream home with the help of a United Bank loan.  See the OUR STORY feature to read about their experience.

Do you need to establish or rebuild your credit?  Consider our Right Start Credit Card option.  Secured by a United Bank certificate of deposit, your Endeavor card becomes a valuable tool in improving your credit score.  See the link to learn more and apply online.
Finance that major purchase with an installment loan, a flexible tool that’s perfect for big-ticket items like vehicles, home improvements, equipment, and vacations. We can match the term and payment to your circumstances and send you on your way with cash in hand.†
Emergencies happen all of the time, and your available cash can leave you short.  Your typical go-to options may be a cash advance on your credit card or a trip to the local title pawn.  United Bank checking account customers have another option to consider - a 90 day loan called CashPlease.  It's a better option than spending your hard-earned dollars on excessive non-sufficient fund fees.

  • Minimum of $200 up to $500
  • Apply online, 24 x 7, decision is immediate and funds are deposited into your checking account within 24 hours
  • No Credit Check - decision is based on your checking account relationship with United Bank
  • Three monthly payments, with discounted interest rate when you have it automatically deducted from your checking account
NOTE: When you obtain a CashPlease loan, it will reduce the amount of your available overdraft limit.

Questions?  Contact a United Bank Customer Service agent at 770-567-7211.  Agents are available seven days a week, from 7am until 11pm.

Ready to apply or learn more? Get Started
It’s important to select the right mortgage partner, one that will work with you to clearly explain the options available to you. United Bank is your trusted community mortgage provider.

With a quick and easy approval process, we can assess your options and help you choose the right loan with confidence. We walk our clients through the entire mortgage process step-by-step, offering competitive pricing and unsurpassed service with a personal touch.†

United Bank’s Endeavor credit cards offer the global presence and customer protections of Visa,® but offer the customer service of a community bank you can trust.  The Endeavor Rewards program is the icing on the cake, offering you a variety of ways to redeem the points you earn for travel, merchandise, gift cards and more.

Borrow money using the equity in your home.  Obtain a credit line as low as $10,000 secured by a primary or secondary home and used as a first or second mortgage.  We’ll contribute up to $2,000 to cover your closing costs, but note restrictions apply.* 

Smooth out the unpredictability of building projects with a flexible construction loan from United Bank. Soon after we approve your application, you’ll have the cash on hand to use when your project’s timeline calls for it. When construction is finished, we can help you convert your loan into something more suitable for the long term.†

† Subject to credit approval and underwriting guidelines
* Consult your tax advisor regarding the deductibility of interest. If you close your Equity Loan Line of Credit within 36 months, we will add any closing costs we paid on your behalf to your outstanding balance.