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Whether its automobiles, trucks, boats or recreational vehicles, we can loan you the funds needed to get you to work or to the lake. Personal loans that are not secured with collateral can be written for up to $5000 for a variety of financial needs. Loans are available for any worthwhile purpose, and repayment terms are flexible and are always set to meet your budget.

Auto Loans

Whether you are purchasing from a franchised dealer or a private party (person-to-person purchase), refinancing an existing auto loan or buying out an existing auto lease, UB&T has the loan for you. We’ll provide fast turn around and a great rate on your next auto loan. We offer flexible terms and an application process that is simple and convenient.

Fixed Rate Home Equity Loan

If a fixed monthly payment works best for you, then this might be the loan for you. Use it for major purchases such as a car, boat, second home or consolidating bills. There is no pre-payment penalty and interest may be tax deductible (check with your tax adviser for details).

Credit Cards

With a UB&T credit card, you can make purchases with confidence. Think all cards are equal? Compare the benefits we offer to make great things happen for you. There is a credit card to fit your unique needs.

Home Equity Line of Credit

A home equity loan is a revolving line of credit secured by the equity you have in your home. You can borrow on this line of credit as you need to. If you are a homeowner, the most economical way for you to borrow may be with a home equity line of credit.  Not only are the rates lower than that of most other loans, but your interest may be tax deductible as well (check with your tax advisor for details).

Private Student Loans

The UB&T Smart Option Student Loan by Sallie Mae® is for borrowers attending degree-granting institutions. Now you can pay for college the smart way with three great repayment options and competitive interest rates! The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility.
  • No origination fees and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify.
  • 100% US-based Student Loan Specialists

* We are compensated by Sallie Mae for the referral of Smart Option Student Loan customers.