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If you thought loans were just for cars and homes, think again. At Allegacy, we know that everyone has a different vision of the good life. For some, that vision includes the latest technology. For others, it includes the latest tractor. No matter what you need to realize your vision, Allegacy has an affordable loan that can help you pay for it. We can customize your loan terms to fit your exact needs and lifestyle. Our competitive interest rates and optional discounts for using AutoPay help you save even more on the big ticket items you just can't live without.

Lifestyle Lending
Borrow up to $10,000 with no collateral and less paperwork.

  • Allows you quick and confidential financing for your personal needs with a highly competitive interest rate of 9.85% APR* for the entire term of the loan
  • Minimum credit score of 680 needed
  • Fixed rate with no bothersome introductory rate or payment shock
  • Generous repayment terms can allow you to borrow with longer than average loan terms
  • Express Application Process provides a simplified application process online and approved within minutes (during normal business hours)
  • We don't ask any questions, so you have the security and privacy you deserve

Recreational Vehicles
Borrow for boats, motor homes, tractors and travel or camping trailers.

  • Loan amount: New - Up to 80% of list price, not to exceed 10% over the dealer invoice
  • Terms:
    • New - Up to 72 months
    • Used - Up to 60 months
    • New boats/motor homes over $35,000 - up to 120 months
  • No down payment required
  • Up to a .50% discount when you sign up for AutoPay

Customized Vans
Enjoy the freedom of mobility with flexible loan terms.

  • Increase vehicle mobility

Overdraft Protection
Safeguard yourself from accidental overdrafts with this line of credit.

  • Overdraft line of credit**
  • Arrange to transfer funds from your savings account to cover your overdrafts

Computers
Stay up-to-date in the digital age with a computer loan of up to $2,500.

  • Borrow up to $2,500 towards the purchase of a computer
  • Must sign up for WebPay service to obtain loan

Student Loans
A smart choice for helping to pay for college expenses.

  • Both student (and cosigner, if required) must be Allegacy members
  • Student must be enrolled at least part time (6 credit hours) at a school accredited in the state in which it is domiciled
  • Borrow up to $5,000 per plan year up to a maximum of $20,000 over a 5 year period. Accrued interest and insurance premiums, if applicable, are due at the end of each plan year on July 31
  • Repayment begins within 6 months of graduation or immediately upon departure from school
  • Upon repayment, the Supplemental Student Loan is converted to monthly payments for a period of up to 10 years

Education Loan
Borrow up to $7,000 when enrolled at least 3 hours per semester.

  • Both student (and cosigner, if required) must be Allegacy members
  • Student must be enrolled at least 3 credit hours at an accredited school or enrolled at a vocational or trade school
  • Borrow up to $7,000. Loan is deferred for up to two years with accrued interest and payment protection fees, if applicable, are due at the end of each plan year on July 31
  • Repayment begins within 6 months of graduation or immediately upon departure from school
  • Upon repayment, the Education Loan is converted to monthly payments for a period of up to 10 years

Stock and Share Loans
Use your stocks or Allegacy shares as collateral for a personal loan.

  • Allegacy Share Secured - Up to 100% of collateral value
  • Stock Secured - 80% of Market Value
  • Up to .50% rate discount for using AutoPay
  • Payment protection

Unsecured Loans
Borrow up to $25,000 with no collateral and less paperwork.

  • Single pay up to $25,000
  • Unsecured lines of credit up to $35,000
  • Installment Unsecured loan up to $10,000***
  • Up to .50% rate discount for using AutoPay
  • Payment protection

 

*Annual Percentage Rate

**Subject to credit approval.

***Refer to loan policy for loan amounts greater than $10,000.

Articles to Help You Decide:

Loan Related Tools:

Learn more about our Lifestyle Lending Loan

 
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Allegacy is federally insured by the NCUA
Equal Housing Lender NCUA