Ready Loans

Ready for a loan with no collateral required?

Put your loan request on the fast track with a Ready Loan from UBT.

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.

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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!

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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

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Find a Branch

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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.