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Last Updated: 04/18/2025

Union Bank Personal Line of Credit

in Personal Lines of Credit from Union Bank

Last Updated: 04/18/2025

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Highlights

Amount Range

$5,000 - $250,000

APR (Variable APR)

N/A

Union Bank Personal Line of Credit Review

Union Bank Personal Line of Credit is offered through Union Bank, a bank founded in 1864 and based in San Francisco, CA. Union Bank personal line of credit are available in 7 states.

Union Bank Personal Line of Credit FAQ

What APRs does Union Bank Personal Line of Credit offer?

Union Bank Personal Line of Credit offers a variable APR, but they do not disclose their rates.

Does the Union Bank Personal Line of Credit charge an origination fee?

Yes, Union Bank Personal Line of Credit charges a line of credit origination fee .

Does the Union Bank Personal Line of Credit charge a cash advance fee?

Yes, Union Bank Personal Line of Credit may charge a fee .

Does Union Bank Personal Line of Credit charge a late fee?

Yes, Union Bank Personal Line of Credit may charge borrowers a late payment fee .

How much can you borrow via Union Bank Personal Line of Credit?

Upon approval and based on your credit worthiness, your Union Bank Personal Line of Credit personal line of credit will be assigned a credit limit of at least $5,000 and as much as $250,000. .

Union Bank Personal Line of Credit Fees

Cash Advance Fee

N/A

Origination Fee

Prepayment Fee?

Yes

Late Payment Fee

Statement Balance Fee

Billing Cycle Charge

What do you need to qualify for Union Bank Personal Line of Credit?

Applicants with a credit score of at least 780 and up to 850 may be eligible for Union Bank Personal Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Union Bank Personal Line of Credit does not have or does not disclose a minimum annual income eligibility requirement.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Union Bank Personal Line of Credit.

To qualify, applicants may need to provide the following documentation:

Driver's license or other government photo ID
Government issued photo ID
Proof of identity

Does Union Bank Personal Line of Credit report your account activity to credit bureaus?

Yes, Union Bank Personal Line of Credit reports to the following credit bureaus:

Equifax
Experian
TransUnion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Union Bank perform a hard credit pull?

Yes, Union Bank personal line of credit performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Union Bank Personal Line of Credit

Visit the Union Bank Personal Line of Credit website.
Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
Check the information is accurate and submit your application.

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