Loan Center

Loans that fit your needs.

United Community Bank has helped thousands of individuals and families realize the American dream of home ownership and other personal purchases. We make loans to fit your needs. Our loans are fairly priced and the rates are based on market conditions, your personal credit history, the term of the loan, the collateral position of a secured loan and debt-to-income ratios which indicate the cash flow you have available to pay back the loan on a timely schedule. 

Mortgage Loans

Whether purchasing, refinancing, or building a new home, UCB will provide you with the information and services you need to enable you to attain your home ownership goals.  UCB offers a wide range of lending products to suit your needs. 

Construction Loans

United Community Bank offers Construction loans to help make the building of your home an easy process. We offer one application, one approval, one closing and a 6 or 9 month construction period. We work with your builder to make funds available as needed. At the end of the 6 or 9 month construction period, your loan will convert to permanent financing. 

Home Equity Loans and Proline Equity Lines of Credit

Here is the opportunity to turn your home’s equity into cash with a competitive fixed or adjustable rate from UCB. Once we determine your specific need, we will help you determine the home equity product that is best for you.

Refinancing?  Purchasing?  Need a Line of Credit?  Please visit our Mortgage Center to apply today!

Mortgage Center

Home Improvement Loans

Need some help improving your home? These may be secured by collateral or unsecured loans. 

Auto, Truck, Van, Motorcycle and Boat Loans

Looking for a new set of wheels? These loans are available for new or used purchases or refinances. Our courteous staff is happy to assist you with the process of these loans. We have a variety of terms to meet your needs. 

Personal Loans

Need some extra cash for a special need? We have loans available that may be secured by a form of collateral or unsecured. 

Loans Secured by Savings or Certificates are Available

Buying a vehicle?  Need a personal loan?  Click below and get started today!

Apply Online


Meet our loan specialists.  You may also conatact your local branch manager/loan specialist.

Ric Harves, Lending Specialist

Ric Harves Ext 227
Lending Specialist

812-537-4UCB (4822)
Fax:  812-537-5769



Debbie Foutty, Lending Specialist

Debbie Foutty Ext 201
Lending Specialist

812-537-4UCB (4822)
Fax:  812-537-5769




To learn more about our Loan options, please complete the information below and one of our Loan Specialist will be happy to answer any of your questions.