Borrow $1K–$100K to fit any need—from small fixes to major projects
Zero origination or prepayment fees—get the full amount you ask for
Quick online decisions with same-day deposit in most cases
Secure a 0.40% APR discount by enabling autopay
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Alliant’s Ultra-Flexible Loan Sizes+
Whether you need a modest $1,000 or a major $100,000, Alliant Credit Union has you covered with flexible terms from 1 to 5 years. Perfect for everything from emergency expenses to large-scale home renovations, it aligns with advantage1’s flexibility theme.
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Fee-Free Full Disbursement: What You See Is What You Get+
Alliant charges no origination or prepayment fees—meaning you receive every dollar you’re approved for. Unlike some banks that deduct fees upfront, this setup ensures clarity and fairness, echoing advantage2’s value-first approach
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Lightning-Fast Online Loans+
Apply online and often receive both approval and funding on the same day—a huge plus during urgent situations like medical emergencies or travel needs. This speed directly supports advantage3’s promise of fast relief.
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Save More with Autopay+
Set up automatic monthly payments and unlock a 0.40% APR discount—higher than many competitors. This small tweak boosts savings over time and connects smoothly with advantage4’s smart rate savings.
Top Personal Loan Options in the US
- Alliant Credit Union – Offers unsecured loans from $1,000 to $100,000 with APRs as low as 8.99%, no origination fee, and same‑day approval and funding for established members.
- LightStream (by Truist) – Ultra‑low fixed rates, zero fees, and same‑day funding.
- SoFi – Fee‑free loans with perks like unemployment protection.
- Discover – Fixed APRs, no origination fee, and next‑business‑day funding.
- Marcus by Goldman Sachs – No‑fee consolidation loans with flexible repayment.
Alliant Credit Union Personal Loan: Fast, Fee‑Free, and Online
- No origination fees—you receive the full loan amount
- Soft pull for prequalification, preserving your credit score; a hard pull occurs only at formal application
- Same‑day approval and funding available via direct deposit
- 0.40% rate discount for enrolling in autopay from an Alliant account
- No co‑borrowers allowed, and membership for at least 90 days is required
This loan is perfect for established Alliant members who want a quick, cost-effective, paperless borrowing solution.
Why Interest Rates Vary and What That Means for You
Alliant evaluates factors such as credit score, income, debt-to-income (DTI), and overall credit history to set your personalized APR. Lower rates result in significant savings over time, especially for larger amounts – for example, receiving a 6.24% APR on a $5,000 one-year loan results in $171 total interest, compared to higher rates for longer terms . Always prequalify to test your options without affecting your score.
Online Credit Union Advantages & Limitations
As an online-only credit union, Alliant offers nationwide access (no branches), digital loan processing, and fee-free ATM networks . However, only existing members (90+ days) can apply, and co-signers aren’t accepted . Their mobile app and 24/7 support help ensure a user-friendly experience .
When to Use an Alliant Loan: Ideal Scenarios
- Debt consolidation: Rolling high-interest balances into a fixed-rate loan simplifies payments and can save money .
- Emergency expenses: Quick funding makes it easy to handle urgent costs.
- Large purchases or home projects: Borrow up to $100,000 with predictable repayment and no fees.
Personal Loans for Bad Credit (When to Consider Alternatives)
Members with limited or poor credit may want to explore options like OneMain Financial, Avant, or NetCredit, offering loans at 18%–36% APR—with secured options to build credit through on-time payments. These may be better suited for those unable to meet Alliant’s rate thresholds.
How Personal Loans Impact Your Finances and Credit Score in the US
Prequalifying with a soft pull keeps your FICO score intact until you apply. Once you accept the loan, a hard inquiry may slightly lower your score temporarily. Regular, on-time payments—which account for ~35% of your FICO score—help strengthen your credit and improve your credit mix. Switching revolving debt to a fixed installment loan can lower your credit utilization, boosting your report. Just remember, loans increase your debt-to-income (DTI) ratio, affecting future borrowing. With Alliant’s no-fee setup, same-day funding, and rate discounts, this loan type supports responsible borrowing—provided you choose an amount and term that fit your budget.
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