Personal loans, personalized for you

Have an unexpected expense and need a quick, affordable loan? We can help you get the cash you need with a customized loan that's perfect for your situation.

Alliant Credit Union Personal Loan
The Run Down
  • Loan amounts range from $500-$500,000
  • Both secured and unsecured loan options are available
  • Unsecured loans require no collateral
  • Repayment terms range from 1 month-5 years
  • No prepayment penalties. Reduce your interest by paying early
  • Quick approval process, with funds often available the same day
Rates
11.90 %
APR
As Low As
48 mo. Max Term
Unsecured Loan

APR=Annual Percentage Rate56

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Personal loan types

Unsecured loans

Our no-hassle, no-collateral unsecured personal loans offer quick approvals and can often provide funds in the same day.

Secured loans

Secure your loan with an Alliant Savings or Certificate account so you can get an even better rate on a secured loan. Plus, you will continue to earn interest on your deposit balances throughout the length of your loan.

Choose the right personal loan

We’re always here to help. Call an Alliant Credit Union personal loan expert at 800-328-1935. We’ll help guide you towards the right personal loan that meets your specific needs. Ready to get started? Apply for a personal loan online today.42

Unsecured

Rate
11.90% APR
Quick Summary

Signature loan that does not require any collateral

Payment Period

Up to 60 months

Minimum Loan

$500

Maximum Loan

$50,000

Consider If

You need a loan that does not require any collateral

Savings Secured Short

Rate
3.00% APR
Quick Summary

Loan of 4 years or less that uses your savings account as collateral

Payment Period

1-48 months

Minimum Loan

$500

Maximum Loan

$500,000

Consider If

You need a shorter term loan, and would prefer to borrow against the funds in your savings account in exchange for a lower rate

Savings Secured Long

Rate
4.00% APR
Quick Summary

Loan of more than 4 years that uses your savings account as collateral

Payment Period

49-60 months

Minimum Loan

$500

Maximum Loan

$500,000

Consider If

You need a longer term loan, and prefer to borrow against the funds in your savings account in exchange for a lower rate

Certificate Secured Term

Rate
Certificate rate +2%
Quick Summary

Loan that uses your certificate account as collateral, with one lump payment due at the maturity of the certificate

Payment Period

Up to maturity of certificate

Minimum Loan

$500

Maximum Loan

90% of Certificate balance

Consider If

You need a loan, and want to borrow against your certificate account rather than incur penalties for early withdrawal

Learn More

Personal Loan Rates

Unsecured Rate 11.90 %
Savings Secured Rate 3.00 %
Savings Secured Long Term Rate 4.00 %

APR=Annual Percentage Rate56

Let Me Know When Alliant Rates Gets Even Better

Personal loan FAQs

When will I receive the funds from my Alliant Unsecured Loan?

As long as your credit and loan are approved through the Alliant loan process, funds are available the same day, in most cases.

What type of collateral do I need to provide for a personal loan?

No collateral is needed with an Alliant Unsecured Loan. Contact a loan specialist for more information on loan application details.

Can I pay off my loan quicker than the payment schedule?

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.

Can I still withdraw money from my savings account if I have an Alliant Savings-Secured Loan?

The balance in the account that secures the loan must be at least equal to the outstanding loan balance and cannot be withdrawn. However, as the loan is paid back, funds in the account securing the loan become available to you. Any balance in excess of the amount originally needed to secure the loan is available to you.

Will I still earn dividends on my savings if I have a savings-secured loan?

Yes. Because the funds remain in your account to secure the loan, you continue to earn our everyday great rate based on your account balance.

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Personal Loan Reviews

Overall Rating for Personal Loans
54321

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