Alliant Credit Union Personal Loan
Alliant Credit Union
Expert VerdictAlliant 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 | Cons |
|---|---|
| Accepts ITIN — no SSN required | Must join Alliant Credit Union first |
| Tightest APR range (8.74-11.74%) — very predictable cost | Shorter maximum term (60 months vs 84 at some lenders) |
| No origination fee | Less well-known than big bank alternatives |
| Loans up to $100,000 | Credit score requirements not publicly disclosed |
| Same-day funding | |
| Open membership — Alliant pays $5 fee to join |
Honest take
The 3-point APR spread is exceptional. At most lenders, the gap between best and worst rates is 20-30 points. At Alliant, even the worst rate is 11.74%. If you qualify, this is one of the fairest deals in the immigrant lending space.
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.
