Alliant Credit Union Personal Loans Review | Find the Best Loan for You

When you need cash fast, Alliant Credit Union typically provides online personal loans between $ 1,000 and $ 50,000 in the same day. The Chicago-based credit union, founded in 1935 and valued at $ 14 billion, is one of the largest in the country with 600,000 members.

In addition to personal loans, Alliant offers home and car loans, credit cards, checking and savings accounts, individual retirement accounts, trust accounts and insurance policies.

  • Loans range from $ 1,000 to $ 50,000.
  • Funds are often deposited on the same day.
  • If you repay part or all of a loan early, there are no early repayment penalties.

  • You must be a member to qualify.

An Alliant personal loan can be used to consolidate other loans, cover emergency expenses, or pay for home improvement.

When applying, you may need to specify why you want to borrow money so Alliant can verify that the intended use meets its requirements.

If you would like an Alliant personal loan, apply for it on the Alliant Credit Union website by selecting “Personal Loans” from the “Loans” tab. Click the Apply Now button.

If you’re a member of a credit union, sign up and apply. Alternatively, if you accept a loan offer, you can apply as a new member and then join the credit union.

Borrowers often receive approval and funding on the same day.

Common uses of credit include:

  • Consolidate Debt.
  • Coverage of emergency costs.
  • Renovating a house.
  • Take a vacation once in a lifetime.

Borrowers are not allowed to use loans for:

  • Funding illegal activities.
  • Gambling.

Other restrictions may apply.

Loan approval and APR vary based on creditworthiness, repayment ability, and payment method, and interest rates vary based on these factors. The repayment periods are 12, 24, 48 or 60 months.

The lender provides these estimates but offers a personal loan payment calculator online:

  • 6.24% for 12 months.
  • 7.24% for 24 months.
  • 9.24% for 48 months.
  • 10.24% for 60 months.

Alliant does not charge any commitment or prepayment fees if you want to prepay all or part of your loan. However, late fees may apply if borrowers fail to pay on time; Amount and grace period vary.

Anyone who is a member of Alliant Credit Union and meets its personal loan underwriting criteria is eligible.

You can join the credit union if you are a current or retired employee of an Alliant US affiliate; a domestic partner or immediate family member of an Alliant member; or you live or work in an eligible community in the Chicago area.

Alliant evaluates a variety of factors when applying for a personal loan, including creditworthiness. The lender will also consider your income, debt-to-income ratio, and other aspects of your finances when deciding whether to approve your personal loan.

Alliant Credit Union operates in all 50 states as well as Washington, DC

Alliant Credit Union is rated A + by the Better Business Bureau. Trustpilot rates Alliant 3 out of 5 stars, but the credit union only got eight reviews.

The Consumer Financial Protection Bureau collected a complaint related to personal loans from Alliant Credit Union in 2020.

If you have a problem with your Alliant personal loan, you can call Customer Service 24/7 at 800-328-1935.

You can also contact us online: click on Contact us at the bottom right of the Alliant Credit Union homepage under Help & Support. A drop-down menu will appear on the next page; Select General Question to fill out a form asking someone from Alliant to follow them up by phone or email.

The Alliant Credit Union website has a personal loan calculator to help you estimate a payment and find the right loan. You can apply online and usually receive approval and funding the same day.

  • People who want online personal loans of $ 1,000 to $ 50,000.
  • People who need money quickly.
  • People who are planning to pay off part or all of a loan early.


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