General
What types of loans does Union Capital Lending offer?
We offer personal loans, business loans, mortgage and home loans, auto loans, debt consolidation loans, and SBA loans. Each product features flexible terms and competitive rates.
Is Union Capital Lending a licensed lender?
Yes. We are fully licensed and regulated, complying with all federal and state lending regulations to ensure your protection.
Do you serve all 50 states?
Yes, we provide lending services across all 50 states. Some products may have state-level requirements, and our team will guide you through any regional considerations.
How is my personal information protected?
All personal and financial data is protected with bank-level 256-bit SSL encryption. We never share your information with third parties without your consent.
Application Process
How do I apply for a loan?
Click "Apply Now" to start your online application. It takes just minutes and you'll receive a decision within 24 hours. You can also call us or visit our office.
What documents do I need?
Generally you'll need a government-issued ID, proof of income, bank statements from the last 2-3 months, and proof of residence. Business loans may require additional financial statements and a business plan.
How long does approval take?
Most applications receive a preliminary decision within 24 hours. Personal and auto loans can often be approved same day. Mortgage and business loans may take slightly longer.
Will applying affect my credit score?
Our pre-qualification uses a soft inquiry that does not affect your score. A hard inquiry only occurs when you formally accept a loan offer.
What credit score do I need?
Requirements vary by product. We work with a wide range of credit profiles and encourage everyone to apply. Our advisors can help explore all available options.
Rates & Terms
What interest rates do you offer?
Rates depend on loan type, amount, term, and credit profile. Personal loans start at 5.99% APR, auto loans from 3.49% APR, and mortgages are competitive with market standards. Apply for a personalized quote.
Are there any hidden fees?
No. All fees including origination fees are clearly disclosed upfront before you accept any offer. Transparency is one of our core values.
Can I choose my repayment term?
Yes. We offer flexible terms across all products. Your advisor will help you find a schedule that fits your budget.
Repayment
How do I make payments?
We offer automatic bank drafts, online payments, phone payments, and mail-in checks. We recommend automatic payments for convenience.
Is there a penalty for early payoff?
No prepayment penalties on personal, auto, or debt consolidation loans. Some mortgage products may have specific terms which are disclosed before closing.
What if I miss a payment?
Contact us as soon as possible. We'll work with you on options like payment deferrals or modified plans. Reaching out proactively is always the best approach.
Can I refinance my loan?
Yes, refinancing is available for many products. If rates have dropped or your finances have improved, we can help you secure better terms.
Still have questions?
Contact Us