Alliant Credit Union personal loans: 2025 review

Where Alliant Credit Union personal loans fall short

• High starting APR: The minimum APR is higher than that of other lenders, meaning you may pay more over the life of the loan. Plus, they don't share their maximum APR online.
• No joint applications: Alliant doesn’t allow co-borrowers on personal loan applications, so if you have lower credit, you may not get the best terms — or may not qualify at all.
• Qualification requirements not disclosed: Because Alliant doesn't share its qualification requirements online, it's hard to tell whether it's worth applying.
• Required membership: You must be a member of Alliant Credit Union for at least 90 days to get a personal loan from this lender.

Alliant Credit Union customer experience

Customer support

Unlike other lenders, Alliant offers 24/7 support by phone. That means you can get help outside of business hours. If you have a quick question, there’s also an online chat option.

Digital experience

Alliant is an online-only service, meaning application and account management is done completely online. With a 4.5 star rating on Android and 4.7 on the App Store, Alliant’s mobile app allows you to easily access your account on the go.

How to apply for a personal loan with Alliant Credit Union 

1. Check your membership status: You must be an Alliant Credit Union member for at least 90 days and in good standing to receive a personal loan.
2. Add information and finalize your application: During the online application, you’ll first specify your loan purpose and desired amount and term. You’ll also need to provide personal, contact and employment information. You may be asked to supply supporting documentation. Once your information is submitted, you may get a decision as early as the same day.
3. Review the loan details: Once you're approved, make sure to review the loan terms carefully. If everything looks good, you can sign along the digital line and dictate where to deposit the funds.

Methodology

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.

What customers think

What people across the web are saying about Alliant Credit Union

This lender has a 3.3 out of 5 stars on Trustpilot, though it’s important to note that is based on very few reviews available. There are only 88 reviews and even fewer about personal loans, specifically. 

That said, Alliant members on Trustpilot and other review platforms seem to enjoy the zero-fee ATM access but are mixed on the quality of customer support and ability to qualify. Many negative reviews focus on how the lender handles fraudulent activity.

One satisfied reviewer said, in part:

"Been banking here since 2008. Great loan rates. Great credit card rates and most important, great functionality! In other words, I have the same functions pretty much as I would with a bigger bank"

— Trustpilot User

Another customer who had a less satisfactory experience said:

"Bad experience with their loan officers. The few times I have called to try to work things out I get talked down to and told multiple different things depending on who I speak with. Really tired of hoping I'd get someone to truly help me and tell me all rather than call several times to get a full picture or all the options that available to me. Not very friendly or helpful and they give serious attitude, get a different job bud if you're tired of dealing with people on the phone."

— Trustpilot User

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