Alliant Credit Union personal loans: APR, fees and requirements
What Alliant Credit Union publishes about its personal loans (from 9.49% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
| Lender type | Credit union |
|---|---|
| APR range | From 9.49% |
| Loan amounts | $1,000 to $100,000 |
| Repayment terms | 12 to 60 months |
| Origination fee | None |
| Minimum credit score | Not published |
| Funding time | Typically the same day you apply / funds available the same day in most cases once approved |
| Membership | Yes: 'You must be an Alliant member for at least 90 days to be eligible to apply for our personal loan.' |
How the lender states its rates: “APR (as low as): 12 Months at 9.49%, 24 Months at 10.49%, 48 Months at 11.49%, 60 Months at 12.49%. APR is 0.4% higher without automatic payment option. Rates are 1% higher when refinancing an existing Alliant loan.”
How the starting rate compares
The lowest advertised APR, 9.49%, ranks 24 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Similar lenders
Navy Federal Credit Union
Credit union
- APR
- 8.74% to 18.00%
- Loan amounts
- $250 to $150,000
- Origination fee
- None
Patelco Credit Union
Credit union
- APR
- 6.99% to 17.90%
- Loan amounts
- $300 to $100,000
- Origination fee
- None
First Tech Federal Credit Union
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- APR
- From 11.99%
- Loan amounts
- $500 to $50,000
- Origination fee
- Varies
Checked on October 16, 2026 on the lender's website. Rates and terms change: confirm before you apply. alliantcreditunion.org/borrow/get-a-credit-union-persona… · alliantcreditunion.org/rates