Alliant Members: If you get Alliant estatements, your 2016 tax forms will be available electronically in Alliant Online Banking.
Get upfront pricing, guaranteed savings, and a discounted rate on your auto loan. Members save an average of $3,279 off MSRP.
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The car you want is within reach with our low rates. Feel confident at the dealership knowing what you can afford and what you should be paying.
APR=Annual Percentage Rate
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How does being preapproved help you? When dealers see that you’re preapproved, they know you are a serious buyer. They’ll be ready to make a good deal to get your business, and you can be confident knowing that you have a low-rate financing option with Alliant.
Alliant Credit Union Auto Loans will get you approved quickly.
To get the loan process started, first submit an online loan application. You can also apply by calling 800-328-1935 (available 24/7).
We will process your application and notify you when your preapproval is completed, usually the same day.
Be sure to bring your loan preapproval to the dealer, as this will give you maximum leverage and help you negotiate the best deal. Save even more time and money when you use the Alliant Car Buying Service.
Once the deal is finalized, send us the purchase agreement and we can finalize your loan documents online using Docusign.
We’ll send the funds overnight via FedEx to you or the dealer.
Get upfront pricing, guaranteed savings, and a discounted rate on your auto loan when you use the Alliant Car Buying Service. Members save an average of $3,279 off MSRP.1 Learn More
APR=Annual Percentage Rate.81 Rates are higher for vehicles 10 years and older.
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Being preapproved helps you focus on negotiating the best price, knowing that you won’t end up with high rate financing when you close the deal. Plus, dealers tend to take people more seriously when they come in with preapproved financing because it means you’re ready to do business and not just “window shopping.”
In many cases, your funds may be available the same day. We understand that sometimes the vehicle-buying process is urgent. Our loan specialists will answer your questions and help expedite the simple application and approval process.
Absolutely. At Alliant, there are no prepayment penalties for paying off your loan faster than your payment schedule. In fact, it’s a great way to save on interest over the long run.
Yes, we offer a debt protection benefit plan in the event of death, disability or involuntary unemployment. Learn more or speak to your Loan Consultant for additional details.
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I am not sure I understand the negative reviews because the only problem I have ever experienced was that it's always too easy, which is kinda frightening. The rate I'm paying on my 2011 used car is the same as it was advertised back when I bought it, 1.74%. and the loan took all of 10 minutes to get.
Was told 2.24%. All of a sudden, because it was a 2006 the rate went up to 5.24%. My credit score is 837 according to the loan consultant when he ran my credit. Disappointing. Also- really really poor job of getting back to me. After 2 days I had to call to speak to a manager.
This was the first time I've ever had to get auto financing so I didn't know what to expect but based on the reviews I felt as though I was going to get prompt service from Alliant. Unfortunately my loan officer was not communicative at all with me until it came time to close the loan. I got the approval email and then no response to my two phone calls and two emails prior to sending the buyer's order. By that time I was so frustrated with her lack of response to my emails and voicemail that I went with another company. Quite honestly, I had decided not to leave a review because I didn't actually receive any loan services but I did send my loan officer an email letting her know my reasons for going with another company. I was professional but honest in my response so I at least expected a professional response. All I received in return was a "Thanks" and that was it. I know they don't make money by answering my questions but because she couldn't take time to answer my questions she lost out on closing a loan. Had she responded in a professional way to my feedback the I never would have left a review. Never will I take a chance on an Alliant loan again because this first experience has left its mark.
I was approved for tesla special rate of 1.49% for model x. my delivery got delayed and alliant has to re-run the credit again. they re ran my credit and boom gave me rate of 4.49%. its only 3 days before my tesla delivery and i am feeling really helpless as alliant switched me up with such a higher rate.
Nothing changed in one month on credit then how come 1.49% becomes 4.49%. I thought only banks have this process of sucking money.I cant belive credit union do this switch and bait.
Please re-think 100 times before you go with alliant for your tesla purchase.
I've been a member for thirty years ,I don't have the best credit due to medical ,I figured if I saved enough for down payment which I did I would have a good chance,we'll I was wrong,don't understand being a long time member and always got their money when I had a previous cat loan through them.If I can't use their services ,what good is being a member,not to mention they get their money before you do.Thanks for not thinking of the less perfect credit people.
Over all I thought the representatives I spoke to were professional and helpful.
The website has no information about their conditions to purchase a used car. After 40 minutes on the phone, I discovered ALL their used car loans were only available for a car 9 yrs old and newer. There may be additional conditions but that was the one I needed to hear and moved on.
I wrote a review here yesterday, I would like to amend with this:
Initially I wrote a review when I was frustrated with the amount of time it was taking to process an auto loan. For that reason, and because of a mistake linking accounts, I give 4 instead of 5 stars.
I wanted to update that I received excellent customer service, and got the loan I was quoted at the rate I was quoted. I especially want to thank Brenita N., my loan officer, and Scott P., the manager who helped me; both were extremely kind and accommodating during the loan process. The benefit of going with a credit union over a traditional bank is the personal, caring service, and not merely a bank trying to hit you up with high interested rates. My experience during this car loan process was that the people at Alliant were there to help me, and to get the lowest possible rates for my individual situation. Their primary objective is facilitating the process of affordable lending, and not merely extracting a profit from you.
I highly recommend Alliant and their excellent team.
I have financed two cars with Alliant and they have an awesome % rate. Both my cars are paid in full and Alliant was quick in providing me with the pink slips. Things don't get better than Alliant.
My husband and I received an approval email stating that we are approved for 2.24% (used car) for 55K although we requested for 30K and rate is good for 30 days. We have excellent rating (over 800 Fico score). Anyhow, 1 week later, we purchased a car and provided the purchase agreement to our loan agent which was much less than 20K. Upon receiving the e-load doc for financing, we discovered the rate was now changed to 5.24 and our loan agent was not informed. We asked what happened and was told that the manager stated that because it was an older car (2006), it was a higher rate. First of all, none of this was stated on their auto loan website and additionally, it was confirmed by the loan agent that it wasn't written anywhere on the loan site or in her documents that rate would be higher if car was older than 9 years old. We suspect that because we did not want to finance a large amount, the underwriter manager wanted to ripe us off.
On their auto loan site, they offer a lower rate if you buy from their "partner" site at 1.74% and there are many cars listed on this site that was older then our 2006 so how were they going to offer that rate if purchased from that site if they can't even stand by their offer of an approved 2.24 on their bank site? A complete financial fraud and pulling a yo-yo scam on the interest rate on consumer!
To anyone who is thinking of financing with Alliant for their used auto, please beware. Although we received an email offer of the rate and amount, it appears that we are now battling with management to get this resolved. Additionally, it is a challenge to get any response from their loan department and right now, we currently have an option loan with the dealership which expires on Friday. We plan to seek legal advise to get this resolve since we already purchased a car that can't be return and both dealership and this bank interest rate is way too high...especially for our fico score. We would not have moved forward with the purchase if we knew this was going to happen.
Alliant Edit: While there was an initial miscommunication regarding her rate, this member did receive the initial rate of 2.24% APR that she was quoted.
I am absolutely thrilled with Alliant Credit Union...Alliant was swift with an approval for less than 6% and handled everything quickly and professionally! I could not be happier with them. I just paid off the loan by trading in for a new vehicle and went with Chrysler Financial because they offered an additional $1500 rebate for doing so, but I plan to refi with Alliant in about 6 months...Thank you Alliant for giving us a chance!
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