Every goal and situation is different. That’s why we offer a range of affordable loan options—so you can choose what fits your life today, with guidance that’s clear, local, and personal

Securing a personal loan doesn’t have to be complicated

pplying for an Allegacy loan is designed to be easy. By gathering a few details ahead of time, you can help keep the process moving smoothly.

01
Check eligibility

To apply, you must be 18 years of age or older, unless applying through a Student Run Credit Union or for a Youth Savings account with a parent or legal guardian

02
Gather your information

Have your Social Security Number or Individual Taxpayer Identification Number, along with a valid, unexpired government-issued ID. You’ll need routing and account information for electronic transfer—or debit or credit card details if funding by card. Any joint applicant will need to enter and validate their information.

03
Review and approval

When you submit your application, our team reviews the details to make sure everything aligns with your request. Once approved, we’ll walk you through the final details and next steps, so you know exactly what to expect before funds are made available.

Your loan questions, answered

Personal loans can support a wide range of needs—from consolidating debt to covering planned or unexpected expenses.

Some personal loans, like share loans, require collateral, while others, like unsecured loans, do not. The right option depends on your situation and goals.

Yes. Joint applicants will need to provide and validate their personal information during the application.

If you’re unsure about which loan to pick, a loan specialist can walk through your goals and help you compare options before you decide.

You must be 18 years of age or older to apply for a personal loan. Some exceptions may apply when applying through a Student Run Credit Union or through select youth accounts with a parent or legal guardian.