Expand what’s possible with a personal loan

From surprise expenses to dream purchases, a personal loan can give you the boost you need. We’re here to help you make it happen with less stress and more peace of mind.

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Rates based on credit score and loan term. Membership is required. Applying for a loan is not a guarantee of approval.

Helping you take the first step

A personal loan allows you to handle the unexpected or make the most of life’s opportunities. Whether updating your home, consolidating debt, or planning a getaway, a little extra money can go a long way.

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Borrow smarter to live better

Flexible terms and practical options make our personal loans a smart way to cover expenses, simplify payments, and move forward with confidence.

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Competitive Rates

Enjoy rates that are lower than most credit cards, helping you save more, pay down balances faster, and keep your finances on track.

Fixed-Term Loans

Choose a closed-end loan with fixed payments, making it easy to budget with predictable monthly costs.

Lines of Credit

Tap into funds again and again, giving you reliable access whenever new needs or unexpected expenses arise.

Added Protection

Optional life and disability insurance is available, offering extra peace of mind that your loan is covered no matter what happens.

A Ubay loan can make it happen

  • I refer so many people here because I have had such a great experience. I tell everyone to come to United Bay because they really do take care of you.

    Ashley G., Member

  • When we go into UBAYCCU, it’s like going to someone’s home. We know all of the clerks by name...It’s more than a credit union, it’s a home.

    Christine & Gerrit S., Members

  • I’ve been a member at the credit union this long because the minute you walk in, everybody is so super friendly.

    Isabel & Thomas C., Members

  • When you have people who back you, you want to back them, so I refer everyone here. Just like how I work on people's cars and they trust me, that's the way I feel about this credit union.

    Richard W., Member

  • We’ve referred so many of our friends and family to the credit union, and it doesn’t matter what credit union location we go to—everyone is amazing.

    Lisa L., Member

Smart tools for seamless borrowing

Your loan should be simple, fast, and stress-free. That’s why we combine modern digital solutions with personalized support to make the process easier from start to finish.

  • Apply online quickly and securely.

  • Get fast approvals you can trust.

  • Manage payments on web or app.

  • Get local help whenever needed.

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Our commitment to you

  • Investment in community

    We have been rooted in Michigan for more than 75 years, always championing the people and places that make it home.

  • People first, always

    As a not-for-profit credit union, we prioritize people and reinvest in better rates for you, lower fees for all, and community growth.

  • Support at every step

    From your first savings account to credit building, retirement, and beyond, we are here to guide your financial journey for life.

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 Frequently asked questions

  • Loan amounts vary based on your needs and qualifications. Our lending team will help you find the right fit.

  • Most applications are reviewed the same day, so you can access funds without delay.

  • A line of credit works well for ongoing or occasional needs, while a fixed loan is ideal for one-time expenses. Our team can guide you to the best option.