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A Personal Line of Credit can unlock financial freedom.

No Collateral Needed

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With a Personal Line of Credit, you can borrow between $750 - $7,000 without any collateral. A simple signature is all that is required.
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Open - Ended Line of Credit

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One application is all that is needed for multiple borrowing scenarios. Access the cash you need, repay it, and take out more when you're ready.
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Easy and Flexible Money Access

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Access your cash through online banking, mobile banking, or in person at one of our branch locations.
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STAY PREPARED

A Personal Line Of Credit Will Cover Emergencies

Everyone living in Oklahoma has a weather emergency plan, but what about a financial emergency plan? A Personal Line of Credit is the perfect solution to protect you and your family from the unexpected.

Borrow money to fix your car, pay an unexpected medical bill, or cover an emergency home repair. Know that if life throws you a curveball, you are covered.
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PROTECTION x2

This Line Of Credit Loan Can Double As Overdraft Protection

Have confidence when using your debit card or writing checks, knowing that your Personal Line of Credit serves as Overdraft Protection.

This safety net provides overdraft coverage, automatically covering insufficient funds in your Allegiance Checking Account.
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REPAIRS AND SMALL PROJECTS

A Personal Line Of Credit Can Cover Home Repairs

Whether you plan to borrow money for a new kitchen appliance, to upgrade your living space, or to replace a bathroom vanity, a PLOC provides ongoing access to funds up to a maximum credit limit of $7,000.

This allows you to tackle projects at your own pace and manage expenses with ease. Enjoy the financial support to enhance your home without straining your budget.
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Personal Loan Guide

Download this FREE Guide Now!
Bust Myths About Personal Loans Guide

Bust the Myths About Personal Loans and Get the Money You Need

Some of the Myths Busted in this Guide:

1: Personal Loans Hurt Your Credit Score

2: Personal Loans, Bad Credit Loans, and Payday Loans Are The Same Thing

3: Personal Loans Are Only For Top Tier Borrowers

BONUS: Also learn what is a personal loan and different ways to use it!

LOC Rates

Discover how our Personal Line of Credit rates can help you achieve financial freedom without breaking the bank!
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*APR = Annual Percentage Rate. Rate determined by credit history. Approval subject to underwriting. Membership required. Payment is calculated on 1.5% of balance at statement cycle, and due on the 27th of following month.

Personal Line of Credit Rates
Loan Type
APR* (as low as)
APR* (as high as)
Loan Type
Personal Line of Credit (PLOC)
APR* (as low as)
13.99%
APR* (as high as)
13.99%

*APR = Annual Percentage Rate. Rate determined by credit history. Approval subject to underwriting. Membership required. Payment is calculated on 1.5% of balance at statement cycle, and due on the 27th of following month.

INVEST IN YOUR FUTURE

What Is A Personal Line of Credit?

Family-with-dogs-relaxes-in-park-knowing-an-Allegiance-Personal-Line-of-Credit-is-their-safety-net
Flexible Uses
Ideal for home improvements, debt consolidation, unexpected expenses, and more.
Man-at-coffee-shop-is-protected-by-his-line-of-credit-loan-overdraft-protection-feature
Overdraft Protection
Cover your Allegiance Checking Account from insufficient funds with automatic transfers.
Young-gay-couple-can-raise-their-credit-scores-with-a-ploc-from-allegiance
Boosts Credit Score
Responsible usage and timely payments can positively impact your credit score.
A Personal Line of Credit, also known as a Line of Credit Loan, is a revolving loan that enables you to borrow up to $7,000, repay it, and then borrow up to that amount again without having to reapply for another loan.

If you are living in the Oklahoma Metro Area and are in search of competitive Personal Line of Credit interest rates, get in touch with Allegiance today!
APPLY NOW
Family-with-dogs-relaxes-in-park-knowing-an-Allegiance-Personal-Line-of-Credit-is-their-safety-net
Flexible Uses
Ideal for home improvements, debt consolidation, unexpected expenses, and more.
Man-at-coffee-shop-is-protected-by-his-line-of-credit-loan-overdraft-protection-feature
Overdraft Protection
Cover your Allegiance Checking Account from insufficient funds with automatic transfers.
Young-gay-couple-can-raise-their-credit-scores-with-a-ploc-from-allegiance
Boosts Credit Score
Responsible usage and timely payments can positively impact your credit score.
KNOWLEDGE IS POWER

Personal Line of Credit vs Personal Loan: What's the Difference?

If you are looking to borrow money in Oklahoma without collateral such as your house or car, a Personal Loan or Personal Line of Credit are both great options. While you can get access to cash quickly with both, the amount you can borrow, and the way you receive the money is what sets them apart.

Personal Loans allow you to borrow up to $25,000 while Personal Lines of Credit let you borrow up to $7,000.

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Personal Loans provide a lump sum of money, repaid monthly at a fixed rate and set payment amount, offering predictable budgeting. On the other hand, Personal Lines of Credit allow you to access funds as needed over time, with a more flexible repayment plan. You can use the funds, pay them back, and borrow them again without applying for another loan. This is great for managing ongoing expenses, unexpected costs, or a safety net.

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Couple-researching-peronal-line-of-credit-vs-personal-loan-differences-outside-on-a-tablet-together.

Personal Line of Credit - FAQ

Have more questions?

We are here to answer all of your questions. Let us know how we can help!

Contact Us

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. You can apply here.

Your Personal Line of Credit will double as Overdraft Protection. It will automatically deposit money into your Checking Account to cover overdrafts. 

Determining which is best for your financial situation can be hard but you can count on Allegiance to help! Our team of experts can ask you key questions to help you identify which option is best for your unique needs. Get in touch with us today to get started.

Personal Loans are affordable, just calculate your monthly payment on your smartphone or use one of our calculators.
Free Financial Calculators

Access our complete library of both loan and deposit calculators.

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