Loans and Lines of Credit

UMB offers personal, home and auto loans to help with your next step in life

Life can be unpredictable. That’s why we offer personal loans and lending options that can help you finance the unexpected and plan for the road ahead

Personal Loans, HELOC, Mortgage, Auto Loans, and Lines of Credit


Exceptional service

Whether you know exactly what you need or prefer some help to understand your options, your UMB personal banker will be with you every step of the way.


Competitive rates

From mortgages and home equity solutions, to personal bank loans and auto financing, we offer competitive rates with convenient features.


Online access

Quickly and easily manage your UMB loan with online banking and the UMB Mobile Banking app.

Loans Home Equity Lending.

Home equity lending

Upgrade your home, make repairs, create an emergency fund or prepare for a large purchase using your home equity through our home equity loan and HELOC options with competitive interest rates.

Loans Mortgage Home Loans

Mortgage home loans

Purchasing a home is an exciting event, and UMB can help make the experience go smoothly, with a simple application process and one-on-one mortgage loan assistance. We can also assist with your home refinance plans.

Auto loans

Buy a new or used vehicle, or refinance your auto loan with UMB’s flexible auto lending solutions. We also offer loans for recreational vehicles like motorcycles and RVs.

UMB dad and daughter

Personal loans

With a personal loan from UMB, you can consolidate high-interest debts, cover major expenses or even fund a special purchase. Let us help you take the next step in your financial journey.


"Warm, straightforward, personal, and as efficient service in establishing a home equity loan as I have ever experienced at a bank."

– Bob from Denver, CO

"It was our first experience with UMB Bank. We are extremely happy with our loan and with everything that UMB has to offer. The associates were amazing and very knowledgeable throughout the process. We will bank with this bank for many years to come! Thank you so much!"

–  Marcel from Springfield, MO

"Truly the best experience I have ever received with any bank. UMB made the process for applying for a loan truly easy and efficient. I only banked with UMB for a few years but they have earned a customer for life."

–  Andrew from Denver, CO


All reviews courtesy of Google


Loan calculators

UMB's loan calculators can help you address common financial challenges and questions around home mortgage and auto financing.

See all calculators

Are you a UMB Private Banking client?

Our private banking clients are eligible for exclusive credit management solutions.

Learn more