Personal & Lifestyle Loans

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Personal & Lifestyle Loans

Whether it’s a vacation, a new pool in the backyard, or another expense, our personal and lifestyle loans can help make it happen.

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The possibilities are limitless with an open-end or closed-end personal loan from Legacy Credit Union. Visit a branch or click below to apply online.

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Benefits of Share Savings Accounts

Flexible Terms

Tailor your loan repayment to your budget with flexible terms ranging from 1 to 60 months.

Competitive Rates

We work with you to customize loan terms that fit your budget and help achieve your goals.

Personalized Support

From application to approval, our team is there every step of the way to ensure a smooth process.

Hassle Free

Our straightforward application and lending process saves you time and hassle.

Borrow On the Strength of Your Credit

Borrow on the strength of your credit, with no collateral required.

- Have cash available when you need it
- Once we establish your credit limit, you can take out advances as needed
- You can access your money through an ATM, Electronic Banking, or FlashTalk
- Flexible terms from 1 to 60 months
- Rates As low as As low as 9.75% APR**
- Make easy payments by Automatic Draft (ACH) or Payroll Deduction
- Low-cost Debt Protection coverage available (ask for details)

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Prefer a Defined Payment Schedule

If you need to finance and prefer a defined payment schedule, our closed-end Lifestyle Loan with no payments for 90 days* and fixed affordable rates could be right for you.

- Predetermine the loan amount
- Borrow on the strength of your credit, with no collateral required
- Fixed, affordable payments
- Flexible terms from 1 to 60 Months
- A payment schedule that keeps your cash flow manageable
- Rates as low as As low as 9.75% APR**
- Make easy payments by Automatic Draft (ACH) or Payroll Deduction
- Low-cost Debt Protection coverage available (ask for details)
- Longer terms and rates are available (call for details)

Apply Now

What Our Members Have to Say.

We want to hear from you, leave a review.

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“Great credit union. Excellent customer service and rates are very competitive. Very friendly staff, highly recommend.”

Krisstophy M. – Birmingham, Alabama

It's easy to join.

Step 1

Fill Out an Application

Visit a branch or apply online by clicking the button below to start a loan application.

Step 2

Choose Your Terms

Select up to a five-year repayment period to match your financial situation and goals.

Step 3

Get Your Funds!

Access your money right away and enjoy several convenient repayment options.

Get Started

Account FAQs

What can I use a personal or lifestyle loan for?

You can use our lifestyle and personal loans for debt consolidation, major purchases, home improvements, medical expenses, and more. We offer flexible funds that suit your needs.

What is the application process like for a personal loan in Alabama from Legacy Credit Union?

You can complete our simple application online or at a branch. We review applications promptly and provide lending decisions usually within a few business days.

What repayment terms do you offer?

We offer flexible repayment terms from 1 to 60 months. When applying for a loan, our lending team can help you select the right repayment plan for your financial situation.

How are credit union personal loans different from other lenders?

We’re a not-for-profit credit union. As such, we focus on personalized service, competitive rates, and loan products tailored specifically to our members’ needs. Our credit union personal loans come with flexible terms and local servicing options.

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*The interest rate, annual percentage rate (APR), origination fees, discount points and closing costs are subject to change without notice.

***Your APR will vary based on your final loan amount, credit history, loan to value, margin, and finance charges.