Business Details
50+ Years
experience
Your Trusted Partner for Personal and Auto Loans in Portland, OR
United Finance has been a trusted financial partner for over a century, serving communities across Oregon, Washington, Nevada, and Idaho. Our mission is to provide accessible, transparent loan solutions tailored to meet the diverse needs of our customers. With a focus on personalized service, we offer a range of financial products including personal loans, auto loans, and payment protection options. Our team of experienced loan specialists is committed to guiding clients through the application process with clarity and efficiency. We prioritize building long-term relationships by delivering reliable financial support and fostering credit improvement through responsible lending practices.Our dedication to community impact is reflected in our charitable contributions and localized service approach. With 25 branch locations and bilingual support in many offices, we ensure accessibility and convenience for all our clients. Our streamlined 3-step application process emphasizes speed and simplicity, enabling customers to secure funds quickly for emergencies, debt consolidation, or major life events. We adhere to strict compliance standards, holding licenses from the NMLS and state regulatory bodies to ensure trust and accountability. By combining industry expertise with a customer-first philosophy, we empower individuals to achieve financial stability and long-term success.
Services
Personal Loans
Auto Loans
Credit Life Insurance
Debt Consolidation
Payment Protection
Credit Building Programs
Emergency Financing
Loan Refinancing
Bilingual Services
Branch Banking
Details
- Year established: 1925
Highlights and features
- We offer personalized loan options for credit profiles ranging from excellent to subprime.
- Our 3-step application process delivers approvals in minutes with no hidden fees.
- Dedicated bilingual loan specialists available at 17 Oregon branch locations.
- Payment protection products help mitigate financial risks from unexpected life events.
- Over 100 years of proven expertise in community-focused lending practices.
Associations and certifications
- NMLS #1144976
- NMLS #35954
What people say
10/10 service
Super fast and friendly
Helped improve credit
Excellent in service
Pain-free process
Services
Personal Loans
Flexible personal loans up to $20,000 with terms from 6 to 60 months. Designed for emergency expenses, debt consolidation, or major purchases, these loans accommodate credit scores ranging from excellent to subprime. Our streamlined application process delivers decisions in minutes with transparent APRs between 18.00% and 39.99%.
Auto Loans
Specialized auto loans for new or used vehicle purchases and refinancing. We offer competitive rates with no restrictions on vehicle year, make, or mileage. Our local loan specialists work directly with dealerships to expedite approvals and fundings, ensuring quick access to transportation financing.
Credit Life Insurance
Optional credit life insurance policies that reduce or eliminate loan balances upon the borrower's death. This protection safeguards estates and families while ensuring loan obligations don't become financial burdens. Policies are available for qualifying personal and auto loans.
Debt Consolidation
Custom debt consolidation solutions combining multiple obligations into single monthly payments. Our specialists help clients simplify finances through personal loans that pay off credit cards, medical bills, or other high-interest debts while offering structured repayment plans.
Payment Protection
Comprehensive payment protection products covering disability, unemployment, and collateral risks. These optional programs provide safety nets for borrowers facing unexpected life events, helping maintain loan status during financial hardships through benefit payments.
Questions
What loan options are available for borrowers with bad credit?
We specialize in bad credit loans with flexible terms and no application fees. Our specialists work directly with borrowers to find suitable solutions.
How quickly can I get approved for a personal loan?
Most applications receive decisions within minutes through our streamlined process. Funds are typically available the same day after approval.
Do you offer loan payment protection options?
Yes, we provide credit life, disability, and unemployment insurance to protect your payments during unexpected life events.
Which states do you serve?
We operate 25 branches across Oregon, Washington, Nevada, and Idaho with bilingual services available at most locations.
Can I apply for a loan online?
Yes, our secure online application takes minutes to complete. Approved applicants can finalize terms at local branches the same day.
What credit score do I need for loan approval?
We evaluate applications based on multiple factors beyond credit scores, including income and repayment capacity. No strict minimum requirements.
