Alliant Credit Union Personal Loan
Alliant Credit Union accepts ITIN with a remarkably tight APR range (8.74-11.74%) and no origination fee — the narrowest rate spread among immigrant-accessible lenders.
Last checked on September 4, 2026. We may earn a commission when you click through.
Alliant Credit Union Personal Loan
Updated 1 month agoAPR Range
8.74–11.74%
Amount
$1k–$100k
Term
12–60 months
Type
personal
You'll be redirected to alliantcreditunion.org
Our Verdict
Alliant stands out with the tightest APR range of any immigrant-friendly lender (8.74-11.74%), meaning even borrowers with less-than-perfect credit won't get crushed by rates. Anyone can join through the Alliant Foundation. ITIN accepted.
Best For
Immigrants with ITIN who want predictable, low-cost borrowing from a credit union with open membership
Pros
- Accepts ITIN — no SSN required
- Tightest APR range (8.74-11.74%) — very predictable cost
- No origination fee
- Loans up to $100,000
- Same-day funding
- Open membership — Alliant pays $5 fee to join
Cons
- Must join Alliant Credit Union first
- Shorter maximum term (60 months vs 84 at some lenders)
- Less well-known than big bank alternatives
- Credit score requirements not publicly disclosed
About This Loan
Requirements
- SSN or ITIN accepted
- Alliant membership required (open to anyone)
- Limited credit history may qualify
- US address
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