Combine higher-interest debt into one manageable monthly payment and move forward with greater confidence

Simplify your payments with our consolidation loans

If you're managing multiple balances, consolidation loans can help you combine them into one clear monthly payment — making it easier to stay organized and move forward confidently.

Combine multiple balances

Bring higher-interest debts together into one fixed monthly payment, helping you simplify your budget and stay confidently on track.

Fixed rate and payment

Know your interest rate and monthly payment from the beginning, so you can plan ahead with greater clarity.

Flexible repayment terms

Repayment terms are based on your loan amount, giving you options designed to fit your goals and monthly budget.

No collateral required

This unsecured loan doesn’t require property or savings, so you can consolidate debt without added complexity.

How to get started with a consolidation loan

Getting started with a consolidation loan at Allegacy Financial is straightforward. Apply online when it works for you, and we’ll guide you through each step with clarity and care — so you always know what to expect next.

01
Apply when you’re ready

Start with a secure online application. You’ll share a few basic details about your income and employment so we can review your request thoughtfully and promptly. It’s designed to be simple, clear, and on your schedule.

02
Review your personalized offer

If approved, we’ll walk through your loan amount, interest rate, repayment term, and monthly payment together. You’ll have the space to review everything and ask questions before making any decisions.

03
Finalize and receive your funds

Once everything is finalized, your funds will be disbursed according to your loan agreement and repayment schedule. From there, you’ll have one clear plan — and a team beside you if you need us.

Your questions, answered

A debt consolidation loan allows you to combine qualifying high-interest debts into one fixed monthly payment. Instead of managing multiple balances and due dates, you repay a single loan with a clear interest rate and structured term.

Members often use consolidation loans to combine qualifying unsecured debts, such as credit card balances and other personal loans. Eligibility depends on your credit profile and lending guidelines.

You may be able to borrow up to $25,000, depending on your credit qualifications, income, and lending guidelines. Your approved amount will be clearly shared before you move forward. 

Repayment terms are available for up to 72 months, based on your approved loan amount and credit profile. We’ll review options with you so you can choose a timeline that fits your goals and monthly budget. 

A debt consolidation loan of $20,000 for 72 months at 10.99% APR would have an estimated monthly payment of $382.03.

No. This is an unsecured loan, which means you don’t need to use your home, vehicle, savings, or other assets as collateral.