Skip links

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.

At Legacy, we understand that situations arise and you may need money for things that are, well…unique.

Cover unexpected medical costs or adopt a child. Add a deck or outdoor barbeque space. Straighten or whiten your teeth.

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.

A family takes a beach vacation using funds from a credit union personal loan in Alabama.

Benefits of Legacy Personal Loans:

Competitive Rates

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


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

Flexible Terms

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

Personalized Support

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

Two Different Personal Loans to Meet Your Needs

Whether it’s unexpected costs or planned goals, we understand financial needs vary. That’s why we offer open-end and closed-end loans to meet your unique needs.

Both provide immediate fund access to cover costs while retaining financial flexibility.

Lifestyle Loan (Open-end)

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

Features include:

  • 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 9.50% APR**
  • Make easy payments by Automatic Draft (ACH) or Payroll Deduction
  • Low-cost credit life and disability insurance available (ask for details)

Lifestyle Loan (Closed-end)

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.

Features include:

  • 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 9.50% APR**
  • Make easy payments by Automatic Draft (ACH) or Payroll Deduction
  • Low-cost credit life and disability insurance available (ask for details)
  • Longer terms and rates are available (call for details)

Visit your nearest Legacy branch or apply online today.

After discussing Legacy Credit Union personal loans, a man decides to apply for an open-end lifestyle loan and shakes hands with his credit union representative.

Legacy Credit Union Personal & Lifestyle Loan Rates

Turn your goals into reality with affordable financing options. Explore our competitive rates and terms below to find the best fit for your needs.

View Rates

Our Easy Application Process for Personal & Lifestyle Loans

Fill Out an Application

Fill Out an Application

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

Choose Your Terms

Choose Your Terms

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

Get Your Funds!

Get Your Funds!

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



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

– Krisstophy M., Birmingham, Alabama

FAQs About Personal Loans in Birmingham, Alabama

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.

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.

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.

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.

To open a Legacy CU personal loan, you will have to open a share account (membership) at Legacy. Check out our Switch Kit to see how easy it is to join our financial family and apply for a loan.

Get the Financing You Need With Legacy Credit Union:

Get Pre-Approved
Call: 205-930-5000
Contact Us

More Savings Options

Share Certificate Accounts

Maximize your savings and earn competitive dividends when you open an account today.

Learn More

Incentive Savings

Get cash rewards for growing your savings by consistently depositing into your account.

Learn More

Club Accounts

Open a dedicated account to save for any purpose and earn interest along the way.

Learn More

*Limited time offer. This promotion extends the time before the first payment is due and interest will continue to accrue. Interest accumulated during the extended “first payment” period will be paid from the first loan payment. Then, normal principal reduction and interest payments will resume.
**APR = Annual Percentage Rate. Certain restrictions apply. Not all borrowers will qualify.  Rates As low as 9.50% and up to 18.00% maximum APR. All loans subject to credit approval. Rate and term to be determined based on creditworthiness. The rate will not increase while the plan is open. Credit Union Membership required with a $5.00 minimum deposit. Some restrictions may apply. Rates and terms are subject to change without notice.

The payment on a $10,000 loan would be $321.00 per month by using the $32.10 per $1,000 using a non-variable interest rate of 9.50% APR with a 36 month term. This equates to $11,529.13 over the life of the loan. Membership required with a $5.00 minimum deposit.

Return to top of page

New Member?
Forgot Password?