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Personal & Residential Loans

Work with a Community Lender

We’re here to help!  Whatever your personal borrowing needs, United Bank & Trust Company can provide solutions to help you meet your financial goals. We offer competitive rates, low fees, and practical repayment terms. Loan decisions are made locally.

Personal Loans

If you find yourself needing money we can help. Payment plans can be customized to fit your lifestyle and budget. Personal loans are a great way to finance the following:

  • Wedding expenses
  • Kitchen appliances
  • A new computer
  • Covering an emergency expense
  • Debt consolidation
  • Much more

Start Saving Your Way

UBTC gives you the tools to save the way you want. Compare the savings accounts we offer and choose the one that works best for the way you want to manage your money.

Save Your Way

Titled Vehicle Loans

If you’re purchasing a new or used vehicle, trust UBTC to provide you with your titled vehicle loan. Your rate depends on the model year of the vehicle and the length of the loan. Eligible vehicles include:

  • Cars
  • Trucks
  • SUVs
  • Motorcycles
  • Boats
  • Campers
  • Recreational Vehicles

Home Equity Loans & Lines of Credit

The equity you build up in your home is a powerful tool that you can put to work. At United Bank & Trust Company, we offer two loan solutions to allow you to take advantage of your home’s equity:

  • Home Equity Loans: This is a lump sum loan that gives you the full amount up front. It is perfect for almost any type of borrowing and offers flexible rates and terms.
  • Home Equity Lines of Credit (HELOC): This is a revolving line of credit that you draw on as needed. As you repay what you borrowed, more becomes available. A HELOC can be used to pay for a variety of things.

Speak with Our Lending Team

Our loan officers are ready to help you find the right personal loan solution. Get started by stopping into one of our UBTC offices to sit down with our team.

  • Shawn Loughren

    Shawn Loughren

    Vice President

    NMLS: 473913

    Divisions: Ag Lending, Business Lending, Residential Lending

    Location: Alden

    Phone: (515) 859-3391

    Contact Me
  • Lynette Mossman

    Lynette Mossman

    Assistant Vice President

    NMLS: 917528

    Divisions: Business Lending, Residential Lending

    Location: Dows

    Phone: (515) 852-4151

    Contact Me
  • Jane Weiland

    Jane Weiland

    Assistant Vice President

    NMLS: 473915

    Division: Residential Lending

    Location: Sheffield

    Phone: (641) 892-4110

    Contact Me
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Loans for Your Business

Our lenders can create a loan for businesses of any size to help them grow and thrive in our communities.

Browse Business Loans

Manage Your Accounts Online

Utilize Online & Mobile Banking to manage your UBTC accounts from nearly anywhere.

Manage Your Accounts

Meet Our Helpful Staff

Meet the team at UBTC that is ready to handle all of your banking needs.

Meet the Team