Lifestyle Loans

Make the Most of
Your Money

Every member has a unique lifestyle and deserves a loan that is just as unique. At Legacy, we understand that situations arise and you may need money for things which are, well … unique.

A Legacy Lifestyle Loan is a personal loan for just about anything that enhances YOUR lifestyle.
Maybe you’ve had unexpected medical expenses that exceed your health insurance; maybe you’d like to adopt a child; or maybe you’d even like to add a pool or outdoor kitchen to your yard. From straighter, whiter teeth to the wedding of your dreams, Legacy has a financing plan to fit your unique lifestyle and help you make the most of your money.

Vacations
Holiday Expenses
Property Taxes
Education
Home Improvements
Band Instruments
Jewelry
Dream Weddings
Honeymoons
Dentistry/Orthodontics
Cosmetic Surgery
Fertility Treatments
Auto Repairs
Adoption Services
Vision Care (LASIK)
Electrolysis
Hair Restoration
Veterinary Care 
Landscaping
Funerals
Pools/Spas
Golf Carts
Tornado Shelters
Heating/Air
Investments
Debt Consolidation
Moving Expenses

 

Lifestyle Loans (Closed-End)

If you have a specific or unexpected need that you need to finance and prefer a defined payment schedule, a closed-end Lifestyle loan with
no payments for 90 days* and fixed affordable rates could be right for you.
Benefits:

  • Predetermine the amount of the loan 
  • Borrow on the strength of your credit, with no collateral required 
  • Fixed, affordable payments 
  • Flexible terms up to 36 months
  • A payment schedule that keeps your cash flow manageable
  • Rates as low as 10% 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)
*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. Legacy Community Federal Credit Union membership is required. Rates and terms are subject to change without notice.


Apply Now
NOTICE:  By completing an online application with Name, Address, Social Security Number, and Birthdate, you are giving Legacy Community Federal Credit Union permission to pull and review your credit report.

You may also apply at any Legacy branch or by calling (205) 930-5000.


Lifestyle Loans (Open-End)

An open-end lifestyle loan can also be used for just about anything at anytime. If you prefer the convenience of being able to access your money when you need it, this could be the right loan for you.
Benefits:

  • Borrow on the strength of your credit, with no collateral required
  • Have cash available when you need it
  • Once your credit limit has been established, advances can be made as needed
  • You can access your money through an ATM, Electronic Banking, or FlashTalk
  • Rates as low as 10% APR**
  • Make easy payments by Automatic Draft (ACH) or Payroll Deduction   
  • Low cost credit life and disability insurance available (ask for details)
**APR = Annual Percentage Rate. Certain restrictions apply. Not all borrowers will qualify. Legacy Community Federal Credit Union membership is required. Rates and terms are subject to change without notice.


Apply Now
NOTICE:  By completing an online application with Name, Address, Social Security Number, and Birthdate, you are giving Legacy Community Federal Credit Union permission to pull and review your credit report.

You may also apply at any Legacy branch or by calling (205) 930-5000.