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  Union Bank Personal Loan
Union Bank Personal Loan
in Personal Loans from Union Bank
Unaffiliated

Union Bank Personal Loan

Unaffiliated
in Personal Loans from Union Bank
Net Recommendation Score 0  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

0 users recommend
2 users are unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  
APR  (Fixed APR) 6.99% - 19.99%
(Verified 08/04/2023)
Loan Amount $3,000 - $35,000
Loan Term (Months) 36 - 84 months

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 5% 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 credit score.
  • 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

Pros Cons
  • Low APRs available to qualified borrowers.
  • $0 prepayment fee.
  • Loan options with $0 origination fee.
  • Funding available within 1 business day.
  • Charges a late fee of $25

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 $3,000and 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.

Union Bank Personal Loan Interest Rates & Loan Terms
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, go with lenders that don’t charge origination fees.

Does Union Bank Personal Loan charge a late fee?

Yes, Union Bank Personal Loan may charge borrowers a late payment fee if you miss one of the monthly 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.

Union Bank Personal Loan Fees
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. Union Bank Personal Loan only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Union Bank Personal Loan. Their rates fall within the limits of The Military Lending Act.

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
  • Government issued photo ID
  • Proof of identity
Union Bank Personal Loan Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Individual Applications
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 provide a credit approval decision in less than an hour and fund the loan within business day.

Does Union Bank Personal Loan report your account activity to credit bureaus?

Yes, Union Bank Personal Loan reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

Are Union Bank Personal Loan legit?

Union Bank was founded in 1864, it is a well-established company that has been in business for 159 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Late Fee Amount $25
No Origination Fee
No Prepayment Fee
Origination Fee ($) $0
Origination Fee (%) 0%
Checking Account Required
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Customizable Payment Dates
Funding Time Range Starting at 1 day
Payment Options
  • Automatic Payments
  • Bank Transfer
Pre-Qualified Soft Credit Inquiry
APR Type Fixed APR
Loan Amount $3,000 - $35,000
APR (Fixed APR) 6.99% - 19.99%
(Verified 08/04/2023)
Loan Term 36 - 84 months

Union Bank Personal Loan Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.