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Personal Loans in OKC

For All of Life's Needs

Write your own success story with the help of an Allegiance Credit Union Personal Loan.

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Start Your Personal Loan Application Today

Personal Loan Rates

Loan Term
APR* (as low as)
APR* (as high as)
0-48 Months
10.99%
17.99%
49-60 Months
12.24%
17.99%

*APR = Annual Percentage Rate. Rate determined by credit history. As low as rate includes 0.25% discount for automatic payments. Approval subject to underwriting. This is a closed end consumer loan. Membership required.

Payment example: Assuming a $7,500 loan amount, a 4-year term, and a 10.99% APR, you would make 47 monthly payments of $194.67 and one final payment of $194.45, starting 45 days after origination.

Dream It. Fund It.

Personal Loan Benefits & Features

When life gets busy, your finances shouldn’t slow you down. Whether you're tackling debt, planning something big, or dealing with an unexpected expense, a Personal Loan from Allegiance Credit Union has your back. No collateral. No hassle.

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COMPETITIVE RATES

Our competitive Personal Loan rates let you make the changes you want.

NO COLLATERAL NEEDED

With a Personal Loan you don’t need collateral to get cash, just a signature.

ONLINE APP

Can't make it to the branch? No problem. Apply for financing without ever stepping foot in a branch.

FLEXIBLE TERMS

We'll find a repayment term that makes your monthly payment affordable.

Personal Loans FOR ALL Your Goals

Whether you're in a pinch or chasing a long-time dream, we're here to help make it happen. 

Debt Consolidation

Managing multiple payments? A Personal Loan from Allegiance Credit Union can help simplify your finances by rolling high-interest credit card or loan balances into one fixed monthly payment. It’s a smart step toward peace of mind and better control over your budget.

  • Combine multiple debts into one payment.
  • Lower your overall interest rate.
  • Stay on track with a clear repayment plan.
Apply Now

Big Expenses

Some costs can’t wait—whether it’s a new appliance, a family emergency, or an unexpected repair, an Allegiance Credit Union Personal Loan can help you handle big expenses with confidence.

  • Access funds quickly when you need them most.
  • Avoid draining emergency savings or retirement accounts.
  • Reduce reliance on high-interest credit cards.
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Vacation Expenses

Dreaming of your next getaway? Whether it’s a weekend in Oklahoma or a journey across the globe, our Personal Loans make it easy to plan your next adventure—without the burden of high-interest debt.

  • Cover the cost of travel and accommodations.
  • Bring your bucket-list experiences to life.
  • Enjoy predictable repayment schedules with a set payoff date.
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Home Improvement

Allegiance Credit Union offers a  Quick Cash Home Improvement Loan designed to provide Oklahoma homeowners with affordable financing for their renovation projects in as little as 24 hours or less!

  • Finance renovations that boost your home's value.
  • Secure one large lump sum with steady, reliable repayment options.
  • Tackle both planned upgrades and big-ticket repairs with peace of mind.
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  • Debt Consolidation

    Managing multiple payments? A Personal Loan from Allegiance Credit Union can help simplify your finances by rolling high-interest credit card or loan balances into one fixed monthly payment. It’s a smart step toward peace of mind and better control over your budget.

    • Combine multiple debts into one payment.
    • Lower your overall interest rate.
    • Stay on track with a clear repayment plan.
    Apply Now

Debt Consolidation

Managing multiple payments? A Personal Loan from Allegiance Credit Union can help simplify your finances by rolling high-interest credit card or loan balances into one fixed monthly payment. It’s a smart step toward peace of mind and better control over your budget.

  • Combine multiple debts into one payment.
  • Lower your overall interest rate.
  • Stay on track with a clear repayment plan.
Apply Now
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Unlock The Possibilities

The Best Personal Loans In OKC

Ready to experience the best in Oklahoma? At Allegiance Credit Union, our Personal Loans offer more than just great rates—they come with the care and commitment of a team that truly understands the OKC community. We're not just a credit union—we're your neighbors, here to help you move forward with confidence.

With Allegiance, you’ll enjoy competitive rates, flexible terms, and the peace of mind that your Personal Loan is built around your goals—not a one-size-fits-all formula. Get pre-approved today and get one step closer to getting the money you need.

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Download Your Free Copy!

Bust The Myths About Personal Loans

Ready to unlock the truth about Personal Loans? Download our free eBook to break down the facts and get the money you need.

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Borrow With Confidence

Question: What Is A Personal Loan

As an unsecured loan (requiring no collateral, just your signature), personal loans provide you with a lump sum of money to help you accomplish your goals.

With fixed monthly payments, you'll know exactly how this loan will fit into your monthly budget.

While personal loans are unsecured, they may come with higher interest rates compared to secured options like a Home Equity Loan or HELOC. To explore which loan is best for your unique situation, please contact one of our Personal Loan experts!

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Calculate Your Personal Loan Payment

Personal Loan Calculator

Need extra funds for a big purchase, home project, or unexpected expense? Use our Personal Loan Calculator to explore your options—adjust loan amounts, rates, and terms to find a monthly payment that works for your budget.

*Your actual term and payment will be provided upon acceptance of an Allegiance Credit Union loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

Calculator

PERSONAL LOAN VS 

HELOC VS HOME EQUITY LOAN

Discover how a Personal Loan, Home Equity Loan, and  Home Equity Line of Credit compare.

One Large Payment

Personal Loan

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One Large Sum
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Fixed Rate
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Unsecured (No Collateral)
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Set Loan Term
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No Application Fee
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No Prepayment Penalty
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Line of Credit

HELOC

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Line Of Credit
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Variable Rate (Changes)
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Home Used As Collateral
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Access Money Over 10 Yrs
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Pay Back Over 20 Yrs
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No Application Fee
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No Prepayment Penalties
Explore Loan
One Large Payment

Home Equity Loan

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One Large Payment
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Fixed Rate
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Home Used As Collateral
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Set Loan Term
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No Application Fee
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No Prepayment Penalties
Explore Loan
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The Freedom To Do More

How To Get A Personal Loan

Turn your plans into progress. Follow these four simple steps to apply for a Personal Loan online with Allegiance Credit Union, so you can start moving toward what matters most.

Step 1: Gather Required Information (Be prepared to verify your identity, employment, income details, and financial information.)

Step 2: Fill Out Our Online Application

Step 3: Review Your Loan Offer & Finalize Your Loan

And just like that, you’ll be ready to achieve your goals with confidence knowing you'll have the money to help make it happen.

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Meet Your Personal Loan Team

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Micheala Goines

Mortgage Loan Officer
NMLS #1663406
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Taylor McCarroll

Mortgage Loan Officer
NMLS #2484009
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Chrissy Wood

Mortgage Loan Officer
NMLS #470059
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What Our Members
Are Saying

“I have been with other credit unions and I must say Allegiance has the best customer care and loan rates. They made sure everything was completed with our loan. Thank you Allegiance, the staff are just wonderful!”

Margie K.

"Always friendly people ready able and willing to help."

Jay S.

Additional Resources

Here are some practical ways a personal line of credit can help with your finances

Practical Ways to Maximize a Personal Line of Credit for Your Financial Needs

When it comes to meeting your financial needs, a personal line of credit is a great option. Not...

Read More
Asian couple discussing unsecured loans at the kitchen table together smiling.

The Pros and Cons of Unsecured Loans

There are a variety of different types of loans available to borrowers today. Unfortunately, since...

Read More
Personal-loans-can-help-people-of-all-ages-enjoy-like-this-husband-and-wife-sitting-and-paying-on-the-floor-with-their-daughter.

7 Reasons Personal Loans May Be The Best Choice For You

When everyday people are faced with rising expenses that strain their finances, their quality of...

Read More

Frequently Asked Personal Loan Questions

What is the minimum credit score required?

We look at a variety of information when considering your application, beyond just your credit score. Once you apply we'll let you know if you're approved and for how much.

What are your Personal Loan rates?

Our current rates are above on this page. If you would like to speak with someone regarding rates, please contact us.
 

Are Signature Loans and Personal Loans the same?

Yes. Signature Loans and Personal Loans are the same thing. You can use one for a variety of reasons with no collateral required, just your signature on the loan paperwork.