When life calls for extra support, our unsecured loan options help you move forward with flexible access to funds and guidance you can trust

How to get started with an unsecured loan

Getting started with an unsecured 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 estimated 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.

Installment Loans

Loan type Payroll deduction or automatic draft APR* Non-payroll deduction APR* 
Lifestyle Loan 9.85% 9.85% 
Comaker 14.00% 14.50% 
Unsecured** as low as 14.25% as low as 14.75% 

*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan. 

**Up to 100% of Purchase Price not to exceed 10% over the Manufacturer’s Suggested Retail Price (MSRP) 

Line of Credit Options

Loan type Payroll deduction or automatic draft APR* Non-payroll deduction APR* 
Unsecured 11.50% 12.00% 
Share Secured 5.25% 5.75% 
Overdraft Protection 11.00% 11.00% 

*APR = Annual Percentage Rate. Personal loan rates are fixed. Line of credit rates are variable and may change. Other terms and conditions may apply.

Single Payment

Loan type Payroll deduction or automatic draft APR* Non-payroll deduction APR* 
Unsecured Loan 13.50% 13.50% 

*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.
Your questions, answered

An unsecured loan is a loan that doesn’t require collateral, like your home or car. Approval is based on your credit and income, and you repay it in monthly payments over time.

A secured loan is backed by collateral. Because the loan is tied to an asset, secured loans often come with lower interest rates or higher borrowing limits.

An unsecured loan doesn’t require collateral. Approval is based primarily on your creditworthiness, income, and financial history. Personal loans and most credit cards are common examples. Since there’s no asset backing the loan, unsecured loans may carry higher interest rates. 

A secured loan is backed by collateral. Because the loan is tied to an asset, secured loans often come with lower interest rates or higher borrowing limits.

You may borrow up to $10,000 with an unsecured personal loan or access up to $35,000 with an unsecured line of credit, depending on approved credit qualifications and lending guidelines.

Repayment terms are available for up to 72 months on loans up to $10,000, based on credit qualifications and lending guidelines. Your approved term and payment details will be clearly outlined before closing.

No. There are no payment penalties for unsecured loans, so you can pay off your balance early if it works for your financial plan.