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.

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✓ Accepts ITIN — no SSN required ✓ Tightest APR range (8.74-11.74%) — very predictable cost ✓ No origination fee
Alliant Credit Union Reviewed

Alliant Credit Union Personal Loan

Updated 1 month ago

APR Range

8.74–11.74%

Amount

$1k–$100k

Term

12–60 months

Type

personal

Check eligibility →

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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

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.

Requirements

  • SSN or ITIN accepted
  • Alliant membership required (open to anyone)
  • Limited credit history may qualify
  • US address

Check if you qualify

Check eligibility →

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