No. UTF is a marketplace that matches you with lenders from a nationwide network. You compare offers and choose — we never make the lending decision or fund the loan. Each lender decides independently whether to make an offer and on what terms.

No. Comparing your options doesn't affect your credit score, and UTF does not perform a hard credit pull. If you continue with an offer, the lender may review your credit.

UTF is free to use. Lenders pay us a referral fee when you choose an offer — not you. See how we make money.

Loans range from $350 to $4,500, with APRs from 6%–35% and terms from 3 to 60 months — set by the lender you choose.

Typically 1–3 business days after you sign with your lender. Exact timing depends on the lender and your bank.

Yes. UTF uses 256-bit SSL encryption to protect your information in transit. Read our Privacy Notice for the detail.

Loan amounts from $350 to $4,500, terms from 3 to 60 months, and APRs from 6%–35%. Not every applicant qualifies. Actual offers vary by lender, state and your profile.

Coverage differs by state, and some residents will not be eligible. Availability depends on participating lenders and applicable law.

Your agreement is with the lender you chose, so payments, payoff and account questions go to them directly. For anything about UTF itself, contact support.

Email help@uniontrustfinance.com, enable the Global Privacy Control (GPC) setting on your device, or use our Do Not Sell or Share page.