CLOSED "These guys are the best place to go for outstanding customer service, web-banking and best loan rates (including car loans, home equity loans and mortgages). The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. Instead, it relies on alternative credit reports from Clarity Services, which is a … Yes, please! America First Credit Union . When you consolidate credit card debt with a personal loan, you move the debt from the revolving line of credit (the credit card) to the personal loan. ... Read the full review: First Tech Federal Credit Union Personal Loans. I picked Ally because they have a good interest rate for savings/MM account, they send me unlimited free checks, and they have free outgoing transfers to my local bank. You are leaving an Alliant Credit Union website and are about to enter a website operated by a third-party, independent from Alliant Credit Union. I've read good things on the boards about them. Further information is available in our FICO Data Privacy Policy. There are a lot of bad reviews on yelp and nerdwallet, however, so I'd be interested in hearing feedback.It definitely seems that the reviews are very polarized, and I'm tempted to think that people with bad experiences are much more likely to leave a review than those with good. Farmers Credit Union, and I assume other smalltime places, will allow you to take additional advances on your original loan line. There is no reason to switch banks if you are happy with your current bank, and there is no reason to open another account unless you will get something that you aren't already getting. I'm on Alliant, too. PNC Regions SDFCU . Join our community, read the PF Wiki, and get on top of your finances! Let us know if your CLi request works out! Who did they pull, I forget? Alliant Credit Union provides conventional mortgages, including fixed- and adjustable-rate loans. You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. Morning everyone, Had an Alliant Visa approved about two weeks ago, and regular (unsecured) personal loan approved today using the same pull. This only includes interest, since there are no application or origination fees. Whether you are buying a home, refinancing a vehicle, starting a business or consolidating debt, borrowing from Alliant Credit Union is a great way to help finance the big dreams you might not have cash for. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Mortgage Rates | Home Equity Rates | Vehicle Rates | RV Rates | Credit Card Rates | Personal Loan Rates. I made the mistake before of having everything with one bank, and a simple policy change made me re-evaluate my needs and start shopping to move my accounts elsewhere. Alliant Credit Union does not manage the operation or content of the website you are about to enter. Not really sure if that makes much of a difference though. Great rates on checking/savings, use the no annual fee rewards credit card you mentioned, and consolidated other debts into one personal loan that I've aggressively paid down with extra cash flow. Conventional Alliant offers fixed-rate loans with terms of 15, 20 or 30 years, rates as … I kinda want to ask for a cli. I know Ally gets mentioned a lot, but rarely see Alliant … You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. I shot very low on requests for both because Alliant is way too conservative - turned down a card request previously. Happy with my current new products, though! Who did they pull, I forget? Loan proceeds cannot be used for rent, utility bills, credit card or loan payments, business expenses, or investments. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. More details on software and accessibility are available at WebAIM.org. They’re ready to do the heavy lifting for you! As far as rates go there are a handful of banks that offer better ones, one I've used is All America Bank which offers 1.25% on balances up to $35k (I found it through a lot of googling years ago, it's FDIC insured but their website is horrible). They pulled EQ although they use their weird Pinnacle score version (not FICO) to make decisions. You'll find plenty of negative stuff about Ally just like you will Alliant. Their CLI requests are HP though, so I won't be requesting any for at least a year. They have higher interest rates on the general checking account and reimburse up to $20 of ATM fees per month to Ally's $10 per month (Fidelity and Schwab have unlimited). i've been with Alliant now for like 5 years but I'm curious if Ally has any advantages. Citibank, Bank of America etc." As a borrower, you also have access to Alliant’s float down protection, which lets you access a better APR if rates drop after your lock-in begins. I hold checking and savings with Alliant, but have credit cards, auto loan, and mortgage at separate banks. Enjoying Navy Federal also. Whether an unexpected expense popped up or you’re just wanting to consolidate some bills, whatever the reason, an Alliant Credit Union personal loan will give you flexible options you’re looking for. With that said, I wouldn't ever recommend putting all of your eggs in one basket anymore, because it does make it a pain to have to swap everything when something happens. Congrats! Applying won’t affect your credit scores. Press question mark to learn the rest of the keyboard shortcuts. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. I've been with them now for just over a year, and have nothing but positive to say about the experience. Alliant Credit Union student loans are relatively bare bones compared to other lenders. You are receiving this email regarding your Alliant Loan Application. Many factors affect your FICO Scores and the interest rates you may receive. 243 reviews of Alliant Credit Union - Temp. They have excellent customer service, great loan rates, good return (for the time) on checking and savings accounts, pay back ATM fees the same day instead of at the end of the month, allow 25k per month in mobile check deposit, and accept cash deposits at some competitors ATM's. Thanks, aduke! Congratulations, my friend! Alliant covers financing for both new and used vehicles up to $1,000,000. Copyright ©2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Thanks, FutCRNA! If you have Alliant and like them I wouldn't bother switching. Anyone know the differences? Alliant Credit Union is known for competitive APYs on savings and certificates of deposit. You can finance a small loan of $5,000 for a cheap used car or buy the new car of your dreams for $50,000. Had an Alliant Visa approved about two weeks ago, and regular (unsecured) personal loan approved today using the same pull. Thank you, musiclover, good to see you! The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. Is there anything that you want that Alliant does not provide and Ally does? Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. They both provide a pretty similar service. You can borrow between $1,000 and … I too have a Checking and Savings with Alliant as well. Alliant Credit Union personal loans come with rates that run from 6.24% to 27.24% APR. Alliant Credit Union offers a fixed rate home mortgage or an adjustable rate mortgage loan at 15 or 30 year repayment terms. Put a face with a name and feel free to reach out to any one of our unmatched loan officers. Never had an issue until recently where they marked my debit card as potentially being compromised. There are restrictions based on the purpose of the loan. Contact Us Alliant Credit Union sold $64.5 million of recreational vehicle (RV) loans to credit union partners in 2020. Alliant Credit Union is organized differently than a bank. Man, I don't know why Alliant isn't mentioned more around here. Had an Alliant Visa approved about two weeks ago, and personal loan approved today using the same pull. A credit union, like Alliant, is a not-for-profit financial cooperative, which means that every member is also part-owner! For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Loan Rates. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. A far better alternative than dealing with the large conglomerate banks e.g. Other offerings include credit cards, loans and investment services. My plan is the further develop my relationship with them as well..maybe later in the year. Idk I was just reading something saying Ally compounds their interest daily meanwhile Alliant does it monthly. The credit union does not offer USDA, VA or FHA loans. Even if you don’t have any credit history or a Social Security number, you might still be considered for a Stilt personal loan, depending on other financial factors. And Alliant also doesn’t charge any prepayment penalties. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Ally has a better website and better app though, but chances are that won't matter too much. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Its rates are generally competitive, though its personal loan APR starts a bit high with a range of 6.24% to 27.24%. I kinda want to ask for a cli. Excited about my new products..... but the one that I really want is with BECU ( my favorite). Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. We use cookies on our websites for a number of purposes, including analytics and performance, functionality and advertising. I do wish they offered a PLOC,  but they don't seem to have one as part of their product lineup. Alliant Credit Union. In the same example, if you move all $4,000 to a personal loan, your credit utilization would become 0 percent. You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. Unsecured, or Personal Loans, do not require collateral. Stilt loan amounts range from $1,000 to $35,000, with maximum loan terms of up to 36 months. ... Alliant Credit Union, Chicago, Illinois. FTC's website on credit. Alliant Credit Union review vs. Connexus Credit Union review You'll want to go with Connexus Credit Union for a money market account, because Alliant … Glad to be expanding products to strengthen the Alliant relationship. Getting a mortgage from Alliant Credit Union means getting unequalled one-on-one service. I'm looking to open a high yield savings account later tonight, and have been looking a lot at Ally bank and Alliant credit union. First Name * Last Name * Email * Next . Alliant Credit Union also offers a 60-day rate lock for existing home loans and a 120-day rate lock for new construction loans. I have been a member for a year almost to the day. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. 0% rate on both purchases and balance transfers for either 12 or 18 months on the card (rep told me the duration, but I cannot recall which). Alliant Personal Loan and Credit Card Approved, Re: Alliant Loan and Credit Card Approved, EQ:764 TU:767 EX: 755 Total Credit Limit $414,600. The credit union offers depository banking products, retirement and investing services, and various types of mortgage and personal loans. You are rockin' with the credit unions lately! I shot very low on requests for both because Alliant is way too conservative - turned down a card request previously. Congrats! PennFed. We're credit union friends now! Alliant has a variety of home loan products to choose from, including fixed-rate loans, adjustable-rate loans, jumbo loans, mortgage refinancing, home equity loans and HELOCs. So theoretically you could borrow additional money to repay every month, and keep the loan open for forever. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Alliant Credit Union covers the basics — buying a car, refinancing your student loans or covering any other personal cost that you can’t fund right away. I've had the Alliant Checking and Savings for several months now, and wanted to further develop the relationship. I made the mistake before of having everything with one bank, and a simple policy change made me re-evaluate my needs and start shopping to move my accounts elsewhere. I'm not trying to convince you one way or the other; however, there's no perfect place. It offers one student loan for both undergraduate and graduate students with a fixed repayment plan. Thanks! When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Alliant Credit Union offers a digital mortgage process for homebuying and refinancing. Press J to jump to the feed. I shot very low on requests for both because Alliant is way too conservative - turned down a card request previously. ... We strongly recommend using our secure Alliant Loan Application messaging platform if you're asking loan-specific questions or sharing personal information. I hold checking and savings with Alliant, but have credit cards, auto loan, and mortgage at separate banks. I'm looking to move to a bank/credit union with higher rates, and Alliant sounds really great in that regard. Personal Loans from Alliant Credit Union. All loans came with a 12-year term, but there was no repayment penalty for paying it off early. Alliant Credit Union has low rates and a wide range of car loan options. Their Pinnacle scoring system is an unusual system that other lenders don't really use, and Pinnacle scores are often as much as 50 points below FICO scores. We are a non-profit financial cooperative owned by our members. i'd be interested to see how generous they are once you establish the card. Alliant Credit Union is an Illinois-based financial cooperative that offers personal banking products and loans to a wide membership consisting of hundreds of thousands of members. I too have been a member for a year almost to the day. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union. In terms of checking both are really good but Alliant is slightly better. I have my car loan with Alliant at a crazy low rate and use Ally for savings due to their rates. Alliant Credit Union is organized differently than a bank. We are a non-profit financial cooperative owned by our members. Fair rates and terms to help you get ahead in life. When you apply for a personal loan with OppLoans, the lender doesn’t check your credit reports with the three major credit bureaus: Equifax, Experian and TransUnion. I recently financed my car loan from here and had a great experience. In terms of the fee schedule Ally has slightly lower fees, but if you aren't encountering fees often then it's not really a big deal. Learn more. Their card is at 6.9% interest rate. I've banked with both and both were fine for me; however, when you get into loan products and credit card offerings I think Alliant does far better job with terms and service. Their Pinnacle scoring system is an unusual system that other lenders don't really use, and Pinnacle scores are often as much as 50 points below FICO scores. However, the Alliant Advantage Mortgage program has a 0% down payment option for first-time homebuyers and a 5% down payment option without private mortgage insurance. All rights reserved. Are you happy with Alliant? Why not both? See how it compares with other mortgage lenders. To ensure that Alliant emails get to your inbox, add alerts@alliantcreditunion.com to your email address list or safe sender list. But they never called to inform me, I eventually found out it didn't work on a weekend, and I had to wait all weekend until Monday morning to call in to request a replacement, as their debit card replacement department is closed on nights and weekends. Contributor Kree encourages someone to look into . Founded in 1935, Alliant Credit Union offers competitive rates on loans with terms of up to 5 years. I use Alliant CU for all my banking, I'm a big fan of them. Glad to be expanding products to stregthen the Alliant relationship.

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