Alloya’s Advised Line of Credit also provides for the ability to borrow on a term basis. With just an email or phone call to Alloya’s Lending team, your borrowing need will be understood and advanced for immediate funding. From overnight to 10-year loans, Alloya offers a variety of term loans at highly competitive rates to meet balance sheet needs. New regulations restrict our ability to provide term loans and investments to an average life of two years. Please contact us to discuss your credit union’s needs.