Lifestyle Lending

bring your dream to life.

It’s your life. Your dream. Your plan. When you need extra capital to make something happen – a vacation, a wedding, an elective medical procedure, an adoption, a birth or something entirely different – we’re proud to be the catalyst.

Apply for a loan

Find out if you're eligible for a Lifestyle Loan.

apply now

Up to $10,000

If your credit score is 680 or better, you may be able to borrow up to $10,000

No Collateral

No collateral required and less paperwork to wade through – get to your funds faster

Competitive Rate

Enjoy a fixed 9.85% APR for the entire life of your loan, so you can budget long-term

Express Application

Get approval within minutes (during business hours) through our online application process

Generous Terms

With longer-than-average repayment terms, you can pay back your loan more slowly

No Questions

We respect the confidentiality of your goals and won’t intrude on your privacy

Calculators to help you manage your debt smartly

What others are saying

Manny M.
North Carolina member

By far better than any bank I’ve ever been with. Don’t have to worry about all those fees and requirements. Hassle free banking.

Gus K.

I have been an Allegacy member for a few years now. Overall, this has been a great experience. Their staff is very customer service oriented. There was a potential issue just before closing on our house, and one of the branch managers helped us work through the issue, personally seeing it through.

Patty S.
North Carolina member

It’s the finest CU I’ve used in my many years, very knowledgeable cashiers, managers and loan professionals.

Kathy W.
North Carolina member

I have been a member with the Allegacy back when it was Reynolds Credit Union. Excellent service in the CU. Excellent service on the phone. Excellent app for my phone. Web site very user friendly. I highly recommend Allegacy FCU.

Tanzola M.

Great tellers with excellent customer service skills. Been using for over 10 plus years. Keep it up ladies and gents you rock.

Max S.

Very nice bank, staff is always ready to help with whatever you need.

Apply for a loan

See if you qualify for a Lifestyle Loan.

apply now

Not yet a member?

Move forward on your plans.

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