Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
6.99% - 19.99%(Verified 06/21/2024)
Amount Range
$3,000 - $35,000
Loan Term (Months)
36 - 84
Union Bank Personal Loan Review
Union Bank Personal Loan is offered by Union Bank, a bank founded in 1864 and based in San Francisco, CA. Union Bank Personal Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 6.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Union Bank Personal Loan are on the lower end of the spectrum.
- Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
- Prequalified rate. You can check your prequalified rate at Union Bank with a soft pull that will not affect your FICO or VantageScore.
- No origination fee. Union Bank Personal Loan does not charge a loan origination fee.
- Super long loan terms. Union Bank Personal Loan offers loan terms of up to 84 months. Most personal loans have a maximum term of 60 months.
Union Bank Personal Loan Pros & Cons
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Union Bank Personal Loan FAQ
What interest rates and personal loan terms does Union Bank Personal Loan offer?
Union Bank Personal Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Union Bank Personal Loan offer?
Union Bank Personal Loan offers a fixed APR personal loan product that ranges from 6.99% APR up to 19.99% APR.
How much can you borrow via Union Bank Personal Loan?
Personal loan amounts start at $3,000 and go up to $35,000
What is the maximum loan term you can get with Union Bank Personal Loan?
Union Bank Personal Loan offers loans with terms of up to 84 months.
| Personal Loan Amount | $3000 - $35000 |
| Loan Term | 36 - 84 months |
| APR | 6.99% - 19.99% |
What fees does Union Bank Personal Loan charge?
Does Union Bank Personal Loan charge an origination fee?
Union Bank Personal Loan does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does Union Bank Personal Loan charge a late fee?
Yes, Union Bank Personal Loan may charge a late payment fee if you miss one of the regularly scheduled payments of up to $25.
Does Union Bank Personal Loan charge prepayment fees?
No, Union Bank Personal Loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | 0% |
| Prepayment Fee | No |
| Late Payment Fee | $25 |
What do you need to qualify for Union Bank Personal Loan?
Union Bank Personal Loan does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Union Bank Personal Loan 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 Loan.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Credit Score | N/A |
What is the estimated funding time for a personal loan via Union Bank Personal Loan?
Union Bank Personal Loan will typically fund loans starting at 1 business day of approval and clearing necessary verifications.
Does Union Bank Personal Loan report your account activity to credit bureaus?
Yes, Union Bank Personal Loan 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?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Union Bank Personal Loan allows you to check your rates with a soft credit pull.
Are Union Bank Personal Loan legit?
Union Bank was founded in 1864, it is a well-established company that has been in business for 162 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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