The United Bank is a personal loan from United Bank. The ongoing APR is Unsecured APR: 0-12 Months 12.99%; 13-24 Months 13.44%; 25-36 Months 13.89%; 37-48 Months 14.14%; 49-60 Months 14.39% (lowest available APR by term and credit score tier). Approval typically requires a credit score of Minimum credit score of 615 or higher. Loan terms: 0-60 Months.