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United Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 14 November 2023
Fact checked

United Bank auto loans overview

United Bank logo

United Bank (West Virginia) first opened its doors in 1839. Now, it has nearly 250 branches across Virginia, West Virginia, Maryland, Pennsylvania, Ohio, North Carolina, South Carolina, and Washington, D.C. Aside from flexible auto loans, the bank partners with multiple local dealers to allow convenient one-stop vehicle shopping.

Want to see what a United Bank auto loan will cost? Try the United Bank auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key United Bank auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Undisclosed.
  • Loan terms: Undisclosed.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

UNITED BANK AUTO LOAN OPTIONS

New and used auto loans

Through United Bank, you can purchase a car, boat, motorcycle, or recreational vehicle. The bank has multiple partner dealers, so you can easily buy and complete your loan documents at once. To know the annual percentage rates (APR) and terms you qualify for, you can get in touch with the bank.

United Bank auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
United Bank (West Virginia)

United Bank (West Virginia) auto loan

United Bank (West Virginia) auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate United Bank (West Virginia) auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a United Bank auto loan

Eligibility criteria

Even if United Bank WV doesn’t disclose the criteria for auto financing, you usually need to be:

  • At least 18 years old
  • A legal resident
  • Employed or have a dependable source of income

Other than the usual requirements, try to check your credit score before applying, too. Banks generally offer their lowest APRs and longest terms to applicants with excellent borrowing histories. So, try to build your credit to get favorable financing options for your new vehicle.

What you’ll need to have ready

Personal details

When you apply for auto financing with United Bank (West Virginia), you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide United Bank with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

It also helps to know the loan application process ahead of financing your vehicle. This can give you an edge during negotiations and increase your chances of securing a more affordable auto loan.

Ways to apply for a United Bank auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-327-9862

Additional United Bank auto loan details

  • Automatic payment: Available.
  • Rate discounts: Potential lower rates for applicants with excellent credit.
  • Repayment frequency: Undisclosed.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: QuickPay, ExpressPay, online banking, and mobile banking.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Network of local auto dealers.
  • Autopay available.
  • Available for cars, boats, motorcycles, and recreational vehicles.
  • Convenient payment options – QuickPay, ExpressPay, online banking, and mobile banking.
  • Nearly 250 locations across eight states.
  • 24/7 access to accounts.

Cons

  • Undisclosed interest rates and terms.
  • Limited loan information online.
  • No online application.

FREQUENTLY ASKED QUESTIONS

Does the United Bank (West Virginia) offer vehicle loans?

You can apply for auto financing to purchase cars, boats, motorcycles, and recreational vehicles.

How to get an auto loan from the United Bank?

You need to visit a local branch to apply for a loan.

How much interest does the United Bank charge on car loans?

United Bank doesn’t disclose the loan rates online. But you can find a branch near you to check your interest rate.

What is the maximum length of a United Bank WV vehicle loan?

Though the bank doesn’t disclose the information online, loan terms can usually be up to 60 to 84 months.

What information do I need to provide when applying for a United Bank auto loan?

You commonly need to provide your personal details, like your name, address, contact information, and Social Security number. You may also need to indicate your income and employment details.

Will applying for a vehicle loan with United Bank WV affect my credit score?

Submitting a loan application will need a hard credit check, which will then appear on your credit report. As a result, it can lower your credit score by a few points for a short while. To boost your credit, ensure you’re up to date with your monthly payment.

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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