Personal
Loans
Whether you're rebuilding credit, planning for a big life event, or want to improve your credit score, our personal loans are designed to support smart, responsible borrowers.
Personalized Loan Options for Your Unique Needs
Unexpected events can disrupt your financial plans. Whether it’s auto repairs, medical expenses, or consolidating debt, our personalized loan solutions ensure you get the support you need without the stress.
Our personal loans
Auto Repairs
An unexpected car repair shouldn't derail your budget or your life. We provide straightforward financing to cover the costs of essential repairs, so you can get back on the road safely and without delay.
Debt Consolidation
Combine multiple balances into one predictable monthly payment and a clear payoff date. We can pay creditors directly so you start fresh, with less interest and less stress.
Life Events
Big moments shouldn’t break your budget. Fund weddings, moves, or family travel with a clear timeline and a monthly payment you choose.
Credit Card Debt
Tired of balances that never move? Shift revolving card debt to a fixed-term loan with a set payoff date and no surprise rate hikes. Keep more of each payment going to principal.
Medical Expenses
Focus on care, not billing. A personal loan can help you cover deductibles, co-pays, and other out-of-pocket healthcare costs, so you can focus on recovery without the added financial pressure.
Auto Loans
Found the right car? Finance with a straightforward loan and a monthly payment that fits your budget. Local support, clear terms, and no prepayment penalties.Simple and Transparent Application Process
At United Finance, we believe in simplicity and transparency.
Our 3-step application process is designed to get you the funds you need quickly and efficiently:
1
Complete Your Online Application
It just takes a few minutes to provide your information.
- Fast application process
- Free, no application fee
2
Meet with Your Local Loan Specialist
If approved, our loan specialist will contact you to discuss loan options and schedule an appointment at your local office.
3
Sign and Receive Your Loan Proceeds
Sign your loan documents and receive your funds promptly.
Enhance Your Credit Score with Every Payment
Our installment loans are crafted to be more manageable compared to lump-sum payments required by payday and title loans. With consistent and regular payments, you can improve your credit score while managing your finances better.
Our team of skilled loan officers is available at every location to discuss your needs and provide personalized advice. We are dedicated to helping you make informed financial decisions that positively impact your credit profile.
What Do I Need to Qualify?
Q: What credit score do I need to apply?
Most of our approved borrowers have credit scores of 600 or higher, but we look at the full picture, not just your score. If you’ve been working to improve your finances, it’s worth applying.
Q: Will applying affect my credit score?
Yes. When you submit an application, we run a hard credit inquiry to verify your information. A single hard inquiry may cause a small, temporary change to your score and typically matters far less than on-time payment history and overall debt. We only pull once per application, and inquiries generally lose impact over time.
Q: Can I apply if I have limited credit history?
Yes. We understand that not everyone has a long credit history. We consider your income, repayment ability, and other factors to help more people get approved.
Your success story could be next!
Join thousands of satisfied customers who trust United Finance for their personal loan needs.
The United Finance Difference
Over 100 years of experience helping customers regain financial control
Thousands of 5-star reviews for exceptional service and support
Transparent, ethical lending with no hidden costs
Dedicated financial experts to guide you through every step
How Fast Can I Get Approved?
Most applicants receive a decision within one business day.
To keep things simple, just bring your photo ID and proof of income (like a pay stub or benefits letter). We’ll guide you through the rest, so you can move forward with confidence and without delays.
Ready to Take Control
of Your Finances?
At United Finance, we understand that life can be unpredictable. Whether you’re dealing with unexpected auto repairs, managing medical expenses, consolidating debt, or planning for significant life events, we’re here to provide the financial support you need when it matters most.
