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United Community Bank loans review

Large for a community bank — but not without a personal touch.

This bank combines convenience and community involvement with an unusually high number of branches, a mobile app and an online application for small-dollar loans.

Business term loans, real estate loans, equipment loans, business line of credit, working capital line of credit, personal loans and lines of credit, auto loans, home equity loans, mortgages

Types of loans available


Online applications


Types of loans availableBusiness term loans, real estate loans, equipment loans, business line of credit, working capital line of credit, personal loans and lines of credit, auto loans, home equity loans, mortgages
Online applicationsYes
Number of branches144
Branch hoursUsually 9 a.m. to 4 p.m. Monday through Friday; 9 a.m. to 5 p.m. Fridays; only select branches open Saturdays
Customer service hours8 a.m. to 7 p.m. Monday through Friday; 8. a.m. to 12 p.m. Saturdays
Customer service optionsPhone, live chat, form email, in-person appointment
Mobile appYes
Routing numberCustomer service hours:
Customer service options:
Online applications:
Mobile app: Yes
Routing number: 061112843

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

United Community Bank is a safe choice if you’re looking to set up a long-term relationship with a lender. It offers a range of business and personal financing, offers easier application and payment options than your typical community bank. And its larger size means that it likely won’t disappear in a merger with another community bank any time soon.

But it’s not ideal if you do most of your banking after business hours — many branches close at 4 p.m. and not all are open on Saturdays. And you’ll first have to become a banking customer before you can take advantage of its online application.

What is United Community Bank?

United Community bank is relatively large for a community bank. It has 144 locations across the southeast and is the fifth largest bank in Georgia. It doesn't have any strong mission statement other than a commitment supporting its local communities. As an example of its dedication it donated $10,000 to United Way in June 2020, which used the funds to support COVID-19 relief efforts.

What types of loans does United Community Bank offer?

United Community Bank offers a variety of personal and business loans.

  • Business loans. Choose from general-use term loans, real estate financing and equipment financing through this community bank, based on your specific needs.
  • Business lines of credit. United Community Bank also offers a business line of credit and a working capital line of credit to manage short-term financial goals and make up for cashflow gaps.
  • SBA loans. While United Community Bank doesn't specify what types of government-backed programs, it offers multiple programs based on your industry.
  • USDA B&I loans. In addition to SBA loans, rural businesses can find financing backed by the Department of Agriculture's Business and Industry program.
  • Personal loans and lines of credit. Fund a one-time or ongoing personal expenses like appliances, furniture and small home improvements.
  • Auto loans. Finance a car, truck, boat or recreational vehicle for new and used vehicles, as well as refinancing.
  • Home loans. Get a mortgage or home equity loan with fixed and adjustable rates — with special programs for veterans.

What industries does United Community Bank specialize in?

United Community Bank has loan officers dedicated to the following types of businesses:

  • Accounting
  • Craft beer
  • Dentistry
  • Franchises
  • Manufacturing
  • Pharmacies
  • Veterinary
  • Agriculture

How does borrowing with United Community Bank work?

You can either apply for a loan online or schedule an appointment with a loan officer to take out a loan with United Community Bank. Online loans are only available on certain types of loans, at certain amounts and for existing customers.

  • Business loans. Customers with a business checking account open for at least six months can apply for up to $25,000 in funding online.
  • Personal loan and line of credit. Customers with a checking account can apply for up to $15,000 online.
  • Mortgages. All mortgage applications are available online — though you need to apply in-person for a home equity loan.

If you apply for a personal or business loan online, you can get a response in minutes and see the funds in your bank account within three days. Otherwise, you'll have to schedule an appointment at your local branch.

How do I get started?

Regardless of if you're a current customer, you can get started on your application by following these steps:

  1. Go to the United Community Bank website and select either Personal or Business, depending on the type of loan you need.
  2. In the menu tap Get a loan or line of credit.
  3. If you're eligible for an online loan, follow the directions to apply online. Otherwise, select Schedule an appointment.
  4. Choose the type of service you want.
  5. Enter your ZIP code and follow the steps to select a location, date and time and enter your contact information.
  6. Hit Book my appointment.

If you want to work with an industry specialist, you find their contact information on United Community Bank's SBA loans page.


  • Over 140 locations
  • Online applications available
  • Mobile app
  • Industry specialists for business financing


  • Must have account to apply online
  • Few customer reviews
  • Many branches not open after business hours

See other business loans

Not sure United Community Bank is right for you? Check out other lenders before applying.

Name Product Filter Values Loan amount APR Requirements

Biz2Credit business loans
Finder Rating: 4.7 / 5: ★★★★★

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$25,000 – $6,000,000
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Get only the capital you need through secure, prescreened lenders with this highly rated company offering SBA, expansion, working capital and other loans.

Lendio business loans
Finder Rating: 4.75 / 5: ★★★★★

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$500 – $5,000,000
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ROK Financial business loans
Finder Rating: 4.7 / 5: ★★★★★

ROK Financial business loans
$10,000 – $5,000,000
Starting at 6%
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.

OnDeck short-term loans
Finder Rating: 4.6 / 5: ★★★★★

OnDeck short-term loans
$5,000 – $250,000
As low as 35%
600+ personal credit score, 1 year in business, $100,000+ annual revenue, active business checking account
A leading online business lender offering flexible financing at competitive fixed rates.

Fundbox lines of credit
Finder Rating: 4.2 / 5: ★★★★★

Fundbox lines of credit
$1,000 – $150,000
Not stated
6 + months in business, $100,000+ in annual revenue, 600+ credit score
Get flat rate, short-term financing based on the financial health of your business, not your credit score.

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United Community Bank reviews and complaints

BBB accredited No
BBB rating A+
BBB customer complaints 3 customer complaints
Yelp 1 out of 5 stars, based on 2 customer reviews
Glassdoor 3.2 out of 5 stars, based on 42 customer reviews
Indeed 3.9 out of 5 stars, based on 136 customer reviews
Customer reviews verified as of 08 November 2020

Despite its size, United Community Bank only gets a few customer reviews and complaints. While the few reviews that exist are negative, this isn't necessarily a red flag. Typically banks of this size get a higher volume of complaints from customers upset about failed transactions, accidental fees or poor customer service.

What do employees say?

Employees give it a relatively high ratings on Glassdoor and Indeed — and many indicate that they've been working with United Community Bank for more than three years. American Banker also selected it as one of the best banks to work in 2019.

This level of employee satisfaction is a good sign. It means your chances of finding a loan officer that can get to know you and your business for years to come are relatively high.

What other products does it offer?

United Community Bank customers can sign up for the following products and services:

  • Business and personal checking accounts
  • Business and personal savings accounts
  • Treasury management
  • Credit cards
  • Investing services

Where does United Community Bank have branches?

United Community Bank has 144 branches and ATMs in Georgia, North Carolina, South Carolina and Tennessee. You can find a branch near you by visiting the bank's website and selecting the location icon at the top of the page.

United Community Bank history

United Community Bank was founded in Blairsville Georgia in 1950 as Union County Bank. It's since expanded to serve the surrounding states after merging with several other community banks in the area. In fact, it's grown to the point that it seems unlikely that it will disappear in a merger — which means your accounts will likely remain relatively unaffected.

During the coronavirus outbreak it stepped up to help small businesses. It funded $1.2 billion in Paycheck Protection Program loans for 11,000 small businesses between April to August 2020.

Bottom line

United Community Bank could be a safe option for individuals and small business owners who want to work with a local lender. It has a mobile app and online application for smaller loan products. You can also set up an appointment with a loan officer at one of its many branches in the areas it serves.

Learn how this community bank compares to the alternatives by checking out our guide to small business loans.

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