The right lender makes all the difference.

Consumer Loans

Personal Loans

Borrowing money is much easier with a local banker you know and trust. Here, we pride ourselves on being a big bank with small-town roots – which means whether you’re upgrading your vehicle, having a family emergency, consolidating debt, or needing some extra money for your dream vacation, you’ve come to the right place.

Why borrow from us

  • Decisions made by your local banker
  • Convenient and fast loan approval
  • Flexible terms
  • Competitive fixed and variable interest rates
  • Special rates for automatic payments and UBI checking account customers 



Student Loans

We work with Iowa Student Loan to offer private loans to help you pay for college as well as refinance existing student loans. As an Iowa nonprofit and the state’s student loan experts, Iowa Student Loan offers competitively priced loans.*


The Partnership Advance Education Loan and College Family Loan were created to help you pay college costs while you are or your student is in school. With these loans, you know what you’re getting before you apply as all terms and conditions, including credit score requirements for specific rates, are provided upfront.

  • The Partnership Loan is for students and their cosigners.
  • The College Family Loan is for parents, family members and others who wish to borrow on behalf of a student.

The Reset Refinance Loan can help you simplify repayment or pay lower interest costs on existing student loans after college. Find the rates and payments you qualify for by completing their online pre-qualification tool to see how you could benefit.

 These loans are subject to credit approval.


Tools and Tips to Help Minimize Borrowing

 Take advantage of Iowa Student Loan’s free planning tools while planning for college and before applying for student loans to:

  • Avoid overborrowing
  • Explore jobs and potential earnings for graduates of specific majors.
  • Estimate total college costs for four years of undergraduate students.

 Before applying for a private loan, be sure to complete the FAFSA, or Free Application for Federal Student Aid, first. You should also work with our college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

About Iowa Student Loan

Iowa Student Loan was established in 1979 as a private, nonprofit corporation, and its mission is to help Iowa students and families obtain the resources necessary to succeed in postsecondary education.

*United Bank of Iowa is compensated by Iowa Student Loan for the referral of student loan customers.

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Borrow from people you know and trust.