Free Calculator
Personal loan calculator
Use this personal loan calculator to determine out the total amount of your personal loan (principal + interest) and how much you will need to contribute monthly to pay it off by the end of the loan term.
Big Purchase Calendar
Free download: The best times to make big purchases
Patience is a virtue, but it’s also a great way to save money. We put together a calendar of when popular (and pricey) items typically go on sale. It's a savvy shopper's guide to the best deals each month. Get yours today, and happy shopping!
The Right Loan for Right Now
Quick, easy, and hassle-free
When the unexpected happens, UBT is there. A Ready Loan from UBT gives you the flexibility to use your loan for whatever you choose — right away.
- Streamlined application
- No collateral or appraisals required
- Access to your funds in as little as 24 hours
Why borrow from UBT?
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
The right loan for any situation
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.
Frequently Asked Questions
What is the minimum credit score for a ready loan?
The minimum credit score needed for a ready loan is 670.
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.
Can I apply for a personal loan online?
Yes-- You can apply for a personal loan HERE.
You may also stop by any Union Bank & Trust location or contact a loan specialist via phone at (402) 323-1789, or toll free (888) 828-4450.
Have questions?
Contact an expert near you
Loan products subject to credit approval.
