Payday Loans

You can now access emergency payday loans through UB&T. These loans are quick and easy. If you apply online, there is no paperwork and no faxing involved. You may receive approval for the funds you need in as little as 24 hours from the time you submit your application.

With an emergency payday loan, you can take from $50 to $1,000, depending on state laws and the lender. Loan terms vary from two to four weeks. The finance charge is a flat fee ranging from $10 to $30 for each $100 you borrow. Origination fees may also apply. The APR varies depending on the term you get approval for.

Once you submit your application, you will receive almost instant feedback. If you qualify, expect to receive a specific loan offer via email. After reading the terms and conditions, you can sign the contract.

Payday advances are unsecured loans that you can use when you need money for:

  • car repairs;
  • medical bills;
  • home repairs;
  • utility bills;
  • emergencies.

Apply for a short-term loan to meet your urgent financial needs. Don’t let an emergency derail your finances or prevent you from fulfilling your monthly obligations. Direct lenders provide all eligible parties:

  • loan amounts up to $1,000, depending on your state;
  • no hard credit checks;
  • convenient online application;
  • almost immediate approval, even with bad credit;
  • loan disbursement within one business day;
  • trusted lenders;
  • transparent contracts.

We even accept applications from people who don't have perfect credit – as long as you have a job and can prove you can make regular payments, we'll work with you to get you the money you need. Apply with confidence. See the complete list of loan products available through UB&T.