Home Equity Lines of Credit |
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Home Equity Lines of Credit (HELOC) enable homeowners to borrow up to 85% of the appraised value of their home. Homeowners may borrow from $5,000 to $350,000 based upon their underlying credit profile. A HELOC has a variable interest rate that changes as the prime rate changes. Interest paid may be tax-deductible. Consult your tax advisor for details. You may draw against your HELOC via paper checks or a debit card. Univest HELOCs offer a fixed rate option. You can fix the interest rate and your payment on all or a portion of your outstanding balance should rates begin to rise. There is no need to apply for a new loan. Your credit line remains active and your installment payments replenish your credit line.
Fixed-Rate Home Equity Loan |
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A fixed rate Home Equity Loan enables homeowners to borrow up to 85% of the appraised value of their home. Homeowners may borrow amounts from $5,000 to $350,000 (based upon their underlying credit profile). Interest paid may be tax-deductible. Consult your tax advisor for details. This product provides the security of a fixed monthly payment and easy budgeting with a guaranteed interest rate for the term of the loan. You will receive a 0.25% discount on your installment loan with automatic payments from a Univest deposit account.
Personal Line of Credit |
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Get a loan any time you need it with a Personal Line of Credit from Univest. This easy-to-use, unsecured (i.e., no collateral required) revolving line of credit is designed for customers who have on-going credit needs, and want a means of accessing money for whatever they need, anytime they need it. Approved customers will receive a pre-approved limit between $2,000 and $20,000 with no maximum term. Outstanding balances can be paid-in-full at any time. Avoid the embarrassment of a returned check by linking your Univest checking account to your line of credit. You can access your line of credit by writing a check, using a MasterMoney™ Debit Card, or by transferring money through Anytime Online Banking or Anytime Banking by Phone. Payments can be made at any branch, by mail, through Anytime Online Banking or you can have it automatically deducted from your checking account.
Personal Installment Loans |
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With an installment loan from Univest you can pay for major purchases or expenses such as a car, debt consolidation, and more in monthly installments instead of all at once. Customers may borrow as little as $2,000 with terms of up to 60 months and will receive a 0.25% discount on your installment loan with automatic payments from your Univest deposit account. Personal installment loans approved online allow you to borrow as little as $2,000, and up to $20,000, with terms up to 60 months. Funds will be deposited directly into your Univest checking account (Anytime Online Checking account will be opened if you do not already have a Univest checking account) unless requested otherwise.
Student Loans
Univest understands that with rising college tuition costs, it's becoming increasingly difficult for many families to afford higher education. If federal loans, scholarships and grants aren't enough to cover all of your education expenses, consider a private student loan to help bridge the gap.
The iHELP Student Loan is a private education loan designed to meet the needs of students and their families with a competitive low rate and convenient repayment options. It's a smart way to cover any remaining college expenses and achieve your higher-education goals.
iHELPTM loans are provided through the Independent Community Banks of America (ICBA) and are originated and serviced by Student Loan Finance Corporation (SLFC).
Univest Bank and Trust Co.SM is pleased to make this commitment to our customers and our communities. It allows us to meet our customers' educational funding needs locally, which is the strength of America's community banks.
It's easy to apply for the iHELP Student Loan - get started today!
Auto Loans For New Vehicles
Loan terms of up to 72 months are available for any new vehicle. Qualified applicants can receive an auto loan for up to 100% of the manufacturer’s suggested retail price.
Auto Loans For Pre-Owned Vehicles
Financing is available for auto loans up to six model years old, with loan terms of up to 48 months, depending on the age of the car. Qualified applicants can receive up to 100% of the vehicle’s National Automobile Dealer Association (NADA) retail value, as determined by the NADA Book.
Univest offers loans in various counties in Pennsylvania within and around the markets they serve.
