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Alliant Credit Union personal loans

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Borrow up to $50,000 — if you qualify for membership.

  • Best for current members looking for a low maximum rate.
  • Pick something else if you aren't interested in joining a credit union.

$50,000

Max. Loan Amount

6.49% to 10.49%

APR

640

Min. Credit Score

Details

Product NameAlliant Credit Union Personal Loans
Min. Loan Amount$1,000
Max. Loan Amount$50,000
APR6.49% to 10.49%
Interest Rate TypeFixed
Min. Credit Score640
Maximum Loan Term5 years

Expert review

Anna Serio

Review by


Anna Serio is a staff writer untangling everything you need to know about personal loans, including student, car and business loans. She spent five years living in Beirut, where she was a news editor for The Daily Star and hung out with a lot of cats. She loves to eat, travel and save money.

Expert review

Alliant’s all-purpose personal loans are generally a better deal if you don’t have excellent credit or a low debt-to-income ratio — two things that would prevent you from qualifying for low rates with other lenders.

Otherwise, you can probably find a better deal elsewhere since rates start relatively high at 6.49%. And it doesn’t have the best customer reviews, either.

Not sure it’s the right fit? Compare even more personal loan providers.

First, am I eligible?

Alliant doesn’t have any hard eligibility requirements for its personal loans — other than being a member. But this doesn’t mean that anyone can qualify. Alliant may look at factors like your personal credit score, income and debt-to-income ratio when determining your eligibility.

  • Member of Alliant Credit Union
  • Age 18 or older

    Pros

    • Wide range of loan amounts
    • Maximum APR set at 10.49%
    • No origination, late or prepayment fees
    • Debt protection plan for unemployment, death or disability

    Cons

    • High starting APR
    • Must call or visit a branch for more loan details
    • Few explicit eligibility requirements
    • Poor customer reviews

    Compare personal loan offers from top providers

    Updated December 7th, 2019
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    What do customers say about Alliant Credit Union?

    BBB accreditedYes
    BBB ratingA+
    BBB customer reviews1.5 out of 5 stars, based on 18 customer reviews
    Customer reviews verified as of29 October 2019

    Alliant’s reviews are mainly negative, with multiple borrowers stating that it has unresponsive or unhelpful customer service. And while some acknowledge that its rates are competitive, they state that it’s not worth the hassle of dealing with its customer service team.

    How do I apply?

    Not yet a member? Start with the membership application first. Go to Alliant’s website and click the green Become a Member button on any page. From there, follow the directions to complete your membership application, which involves opening an Alliant Credit Union account.

    Once you’re a member, you’re also ready to apply for your personal loan. Here’s how:

    1. Hover over Borrow in the main navigation bar and click Personal Loans.
    2. Click the green and white Apply Now button.
    3. Either enter your online banking username and password if you already have that or click New User Setup to create one.
    4. Follow the directions to complete the application, carefully reviewing your application as well as the terms and conditions before clicking submit.
    5. Wait for Alliant’s main office to review your application, run a hard credit check and get back to you with an offer. It’ll also let you know if you need to submit any additional documents.
    6. Review your offer and sign your loan documents.

    What information do I need to apply?

    Have the following information and documents on hand before applying:

    • Social Security number
    • Gross monthly income
    • Employment information

    Step-by-step application with screenshots

    What happens after I apply?

    Once you submit your application, Alliant will review your documents and information to see if you qualify. If approved, you may receive your loan funds on the same day you applied.

    How do repayments work with Alliant?

    Your first payment will be due one month after you receive your loan. If you haven’t already, consider signing up for automatic repayments so you don’t have to worry about them each month.

    Putting your loan on autopay doesn’t mean you should just forget about it, though. Check in on your account periodically to make sure everything is going smoothly — even machines make mistakes. You can reach out to Alliant’s customer service team by calling 800-328-1935 if you notice any discrepancies.

    Explore Alliant’s other loan options or see how it stacks up to other lenders with our guide to personal loans.

    Frequently asked questions

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