Fresh Start Loan | United Community Bank

Fresh Start Loan

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Fresh Start Loan

Fresh Start Loan

In a world where second chances are hard to come by, the Fresh Start Loan Program offers an encouraging solution. If you want to establish credit or repair poor credit, UCB's Fresh Start Loan can help.

We offer low rates and affordable payment plans while you establish savings and rebuild your credit. Simply apply, pay it back on time, and your positive payment history will be reported to the credit bureaus. You'll be back on track in no time! When you have repaid the loan in full, you will have access to the funds which have been on hold in your savings account.

Features & Benefits

  • Build or repair credit
  • Access account details conveniently online to view balance and make payments
  • Establish credit while building your savings.
  • Positive payment history reported to credit bureaus

Common Uses

  • Establish Credit
  • Repair Credit
  • Establish savings while increasing positive credit history


  • 24-month loan
  • Loan amounts up to $2,000

*APR = Annual Percentage Rate. This is a fixed rate loan and will not increase during the original terms of the loan. Since this loan is secured by the funds we place in an account on your behalf, your credit history is not considered in the approval process.