June 28

Union Bank Personal Loans – How to apply Unsecured Loan & Line of Credit?


MUFG Union Bank, N.A., is a full-service bank with offices across the United States. Among the several corporate, commercial, retail-banking and wealth management solutions, the bank has to offer a wide range of services for an individual’s personal financing requirements also. The parent company is headquartered in New York City while the main office of MUFG Union Bank is in San Francisco.

The bank has a strong presence in California, Washington, Oregon and many other states where it has emerged as a reliable provider of personal financing products. Among its product range includes home equity loan and personal line of credit. Besides, it also offers credit cards and many secured loan options.

Union Bank Unsecured Personal Loan

It may not be easy to qualify for Union Bank personal unsecured loan as the borrowers need to be in good credit standing. Moreover, you may also need to show your incomes and liabilities to convince the bank that you are capable of paying the debt.

Once you meet the qualification standards of the bank, you can avail a low interest personal loan just by dialing its customer service number or applying online. The rates of interest are generally fixed, but you may find an option for adjustable rate as well.

People with bad credit, on the other hand, can apply for a home equity loan secured by suitable collateral. Such loans must have collateral located in California, Oregon or Washington.

Union Bank Personal Line of Credit

It can prove a better option than most credit cards because of lower interest rates and fees, and convenient access to funds. The best thing is that you are charged only on money you use and not on the fund kept in your credit line. Just like the unsecured personal loan, a line of credit also comes with fixed and variable rate options.

Beginning from a mere $500, your credit limit can go up to $5,000, and even $25,000, depending upon your credit score and other criteria. Moreover, a Union Bank savings or checking account holder can avail discounts on automatic payments with fixed rate personal line of credit.

How to apply for personal loan?

There are three ways to apply for a personal loan product at MUFG Union Bank, a wholly owned company of the Japanese Tokyo-Mitsubishi Bank.

  • Call the Customer Service Phone Number: The bank’s customer service phone number is 1-866-UB-LOANS, which is available 8:00 a.m. to 7:00 p.m. Monday through Friday and 9:00 a.m. to 3:00 p.m. on Saturday. Another number to dial for personal loan application is 1-800-238-4486.
  • Visit a physical store: Find a Union Bank location in your neighborhood and get personalized assistance for all your financing needs.
  • Apply Online: You can visit the website of Union Bank (unionbank.com) and begin the application process online.


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