A credit union, like Alliant, is a not-for-profit financial cooperative, which means that every member is also part-owner! Being an owner is just one of the important benefits of banking with a credit union versus a traditional bank.
Alliant is better than a bank. We're a credit union that's owned by our members, so we look out for your best interests. Every dollar you invest in Alliant is reinvested in you!
A co-borrower is a person whose name is added to a loan application and whose income and credit history are considered along with the primary applicant's in determining creditworthiness.
You will have the option to add a co-borrower within your loan application. The Alliant Loan Application will ask you to provide general information, including contact information, for the co-borrower so that the loan application can be completed.
Click "Exit & Resume Later". Once you have obtained your co-borrower's social security number, log back in to the Alliant Loan Application using your PIN and complete your loan application.
Both are ways of transferring money electronically, but the speed and cost for the methods differ: A wire transfer is faster, but you pay a fee for the faster transfer.
A wire transfer is when you transfer money electronically from one financial institution to another for a service fee. Wired money typically transfers in less than 24 hours, but the timing can vary between financial institutions because of differing transfer policies and procedures.
A electronic transfer, such as the service provided for free by Alliant, is a no-cost method of transferring money between Alliant accounts or between your Alliant account and your account at another financial institution. When making an electronic transfer between financial institutions, it is processed through the Automated Clearing House (ACH). These are often referred to as ACH transfers. The transferred funds typically are available within three business days of the deposit. Note: Other financial institutions may charge a fee for outbound transfers.
Alliant can help you quickly send loan funds via wire transfer with just a few simple steps. To get started, complete our Wire Transfer Authorization Form and fax it to (773) 462-2095 along with a copy of your government-issued photo I.D., such as a driver's license or passport. After you've faxed the form, please call us at 800-328-1935 to verify your security information.
Outgoing wire transfer timing notes:
A valid I.D. and phone number is required to send international and domestic wire transfers, as we may call you to verify the transfer details as an additional security measure. Incorrect or missing information may delay your wire transfer.
Important notice regarding outgoing international wire transfers
Regulations regarding international wire transfers require you to agree to certain terms in person with a signature, or orally during a recorded phone call. The service fees, currency exchange rate, amount to be received by recipient, and the date funds will be received, will now be provided to members sending international wire transfers. Alliant will communicate a guide rate for currency conversion, but the rate will not be confirmed until the transaction is processed.
It depends on what type of wire transfer you are making:
For a complete list of fees, visit our "Alliant fees" page.
Online Banking makes it simple to transfer funds to or from non-Alliant banks, credit unions, and other financial institutions. To get started:
After you submit the outside financial institution you would like to use for your transfer, Alliant will make a small deposit (less than $1) within 1-2 business days to verify the account. Once the deposit posts to your outside account, return to the "Manage Transfer Accounts" page to verify the amount deposited. This helps us ensure the fund information is correct and your transfer is going to the right place.
You have 15 days to verify your new accounts. Once verified, you'll be able to initiate future transfers whenever you'd like.
In short, we want to make sure you have access to the disbursed loan funds to keep you and your loan funds as safe as possible. We appreciate your patience during this short verification process.
Transfers to or from outside financial institutions submitted before 12pm CT on business days typically post on the next business day. Transfers made after 12pm, or on weekends or holidays, post on the second business day following the transfer request.
Actual posting times may vary by financial institution. For specific posting timelines, it's best to contact the receiving financial institution directly.
You should strongly consider GAP insurance if you made, or will be making, a down payment of 25 percent or less on your vehicle. All Alliant vehicle loan types are eligible for GAP.
You can apply for GAP insurance after your loan application is approved.
The following vehicles are covered under the GAP insurance program: new and used automobiles, light trucks not exceeding one ton capacity, boats, travel trailers, motor homes, ATVs, and watercraft.
We're always here to help! You can chat with an Alliant Member Service Consultant 24/7 by calling us at 800-328-1935.
In a rush? You can also send us a secure message within the Alliant Loan Application. We respond to all secure messages within 1-2 business days.
While Alliant is available 24/7, please call us Monday thru Friday 7am-7pm CT for the best loan experience. You can reach us at 800-328-1935 (24/7).
If you forgot your PIN, please call us at 800-328-1935 Monday-Friday 7am-7pm CT. For international callers, contact us at 773-462-2000 Monday-Friday 7am-7pm CT. An Alliant Member Service Consultant will confirm your identity, then issue you a temporary PIN. When you enter that PIN into the Alliant Loan Application, you will be redirected to a "PIN reset" page on which you can create your own new PIN.
Alliant's routing number is 271081528.
While Alliant is available 24/7, please call us Monday thru Friday 7am-7pm CT for the best loan experience. You can reach us at 800-328-1935 (24/7).
The Alliant Loan Application can be accessed using all major internet browsers. However, for an optimal experience, we recommend using the current version of Google Chrome or Mozilla Firefox.
You can use your secure inbox to ask loan-related questions and share feedback directly with an Alliant Loan Consultant at any time. If you're in a rush, don't need an immediate reply, or hate the telephone, this service is for you!
To view recent messages in your secure inbox, or compose new ones, sign-in to the Alliant Loan Application and click the "Messages" link. Each time you receive a new message from us, you'll see a green notification icon next to the link.
Every message sent through the Alliant Loan Application is securely reviewed by an Alliant Loan Consultant. We're here to troubleshoot technical issues, answer loan-specific questions, and listen to feedback about your Alliant experience.
Our turn-around time is one business day for secure messages. Need help now? Give us a call at 800-328-1935.
Every time you receive a message in the Alliant Loan Application, a notification will be sent to the primary email address that we have on record for you. This way you'll know about our response, but that response will remain secure.
We strongly recommend using our secure Alliant Loan Application messaging platform if you're asking loan-specific questions or sharing personal information. This helps us combat fraud and provide the highest level of service possible.
However, if you'd still like contact us using your personal email address, you can always do so by completing our Contact Us form.
To upload a file into the Alliant Loan Application – as proof of identity, proof of income, etc. – just click the "Upload Document" button, then navigate to the document you need to upload. After you've selected the file, you will be prompted to enter a description and purpose for the file upload. For example, if you uploaded a photo or scan of your driver's license as proof of identity, you would enter "driver's license" and "proof of identity" in the form. If uploading a W2, you would enter "W2" and "proof of income" in the form.
You are asked to create a four-digit PIN at the beginning of the loan application process so that if you are interrupted or can't complete the loan application process, you will be able to return to the form at a later time without losing the information you already entered.
To send a secure message to Alliant, click the "Message Us” link. Then click the "Compose Secure Message” button and type your message. Select the relevant category from the dropdown menu so your message will be routed to the correct Alliant employee/team. Messages sent between 8am and 5pm CT weekdays will typically be responded to within the same business day.
Each home equity loan product has specific advantages. A home equity line of credit (HELOC) gives you the flexibility to use the funds on an "as-needed" basis. On the other hand, a home equity loan gives you a one-time draw that is especially useful for a single large purchase. Consult with an Alliant Loan Consultant by calling us at 800-328-1935 to find the loan that's right for your situation.
The amount of equity you currently have in your home will determine the Home Equity Loan value or Home Equity Line of Credit (HELOC) limit. Consult with an Alliant Loan Consultant by calling us at 800-328-1935 to get an estimate of your loan value amount or home equity credit limit.
An Interest-Only Home Equity Line of Credit may be right for you if:
Alliant doesn't charge application fees for most home equity loans, and doesn't charge origination or servicing fees. Our practice of no-or-low-fees for our services is another way – in addition to our great rates – we look out for the best interests of our members every day.
In many cases, your funds will be available the same day you apply. We understand that sometimes the vehicle-buying process is urgent, so our Alliant Loan Consultants are trained to help you expedite the loan application process and fund your loan quickly.
Absolutely. At Alliant, there are no prepayment penalties for paying off your loan faster than your payment schedule. In fact, it's a great way to save on interest over the long run.
Pending often means that we could not automatically confirm some information submitted in your loan application (such as your mailing address) and we may need you to submit additional information before approving your loan application request. If you received an email or phone call from us requesting additional information, or have questions about your loan application status, please contact us at 800-328-1935 (24/7).
You will need to provide the amount and source of your income (monthly or annual) during your loan application.
We will ask for the year, make, model, and trim level – or just the Vehicle Identification Number (VIN) – of the vehicle you are looking to purchase. If you do not yet have this information, that's OK. You can still apply for a car loan, but we'll eventually need this information before your loan can be finalized.
You will see a screen confirming that your loan application has been received after it has been submitted.
You have a few options, including providing an electronic signature using DocuSign, or having physical documents sent to you via FedEx.
Yes. When reviewing an applicant's loan application, Alliant conducts a "hard" credit check.
As a non-member, you can apply for an Alliant loan, but after the loan is approved, you will need to become a member before the loan can be funded.
Absolutely! If you have an Alliant checking or savings account, you can seamlessly manage all of your monthly loan payments through Alliant Bill Pay.
We're continuously updating our loan rates to make sure we're providing great rates to our members. To view our current rates, visit our "Rates" page.
The time required for a loan to be processed, decisioned, and paid out varies depending on the type of loan, the availability of documentation, and other factors. Most credit card and auto loans are completed in one business day. However, every loan application is unique, and your loan application may take longer.
Alliant does not have a specific minimum credit score required to consider you for a loan or credit card. We consider multiple factors when reviewing loan and credit card applications.
All loan rates are published on the "Rates" page of our website. Please note that the rate offered to you may vary depending on factors including your credit score.
The majority of Alliant's loan applications are processed using credit reports from Transunion, but any of the three major credit bureaus may be used to process your loan application.
No. Alliant does not charge fees for its loan applications. However, you may incur fees if you opt to request expedited distribution of credit cards, loan documents, or checks. Some home equity loans may require an appraisal/inspection, which would need to be done at an additional cost.
The preapproval loan documents you receive will tell you when your preapproval offer expires. Generally, auto and credit card preapprovals are in effect for 30 days, and home equity loans are in effect for 60 days.
Call 877-831-3077 (7:00 am-7:00 pm CT, M-F, 8:00 am-4:30 pm CT, Sat).
In the event of a breakdown, please arrange to have the vehicle taken to an authorized repair facility of your choice (You may contact the administrator for assistance in locating a repair facility).
When calling for towing or road service you must call the following toll-free number: 877-831-3077. You will be required to give the representative assisting you the following information: Producer Code – 28244, Your Vehicle Service Contract Number (located on the front right hand corner of the Confirmation Page) and Your Plan Letter which is N.
In the event your vehicle is disabled, we will dispatch a service vehicle to your location to assist you. In the event your vehicle is unable to continue under its own power your vehicle may be towed to a location of your choosing.
Authorize the repair facility to perform the necessary diagnosis and get a repair estimate. Have the repair facility call the claims number (877-831-3077) to get authorization to proceed with the claim. The repair facility should be prepared with the following information when placing the call:Call the following toll-free number: 877-831-3077. You will be required to give the representative assisting you the following information: Producer Code – 28244, your Vehicle Service Contract Number (located on the front right hand corner of the Confirmation Page) and your Plan Letter which is N.
Yes. You can purchase MBP on most vehicles including any year, any mileage, regardless of when it was purchased or financed.
If you are privately selling a vehicle protected by MBP, the remaining coverage can be transferred to the new owner. You must submit the following:
Address: 6120 Powers Ferry Rd NW, Suite 200, Atlanta, Georgia 30339. Phone Number: 877-831-3077. Email: Assureguard@interstatenational.com
You may cancel this contract at any time including when the vehicle is sold, lost, stolen or destroyed by contacting the Administrator for a Cancellation Form which will need to be completed and sent to the Administrator (Phone Number: 877-831-3077 Email: Assureguard@interstatenational.com). The Cancellation Form must include an odometer statement showing mileage at the time of request.
MBP can be purchased for cars and trucks (excluding trucks over 1 ton gross vehicle weight).
Yes. You can purchase MBP even if your vehicle was financed somewhere else.
Online Banking makes it quick and easy to access information about all of your Alliant loans. You can create an Online Banking account after you become a member.
The account used to secure your loan must have a balance that is at least equal to your outstanding secured loan balance. You can withdraw funds from your account up to an amount that results in a savings account balance equal to your outstanding loan balance. But you can't make a withdrawal that leaves your account balance below your secured loan balance.
As you pay off the loan, however, more of the funds in the account securing the loan become available to you. Any balance in excess of your outstanding secured loan balance is available to you.
Yes. Because the funds remain in your account to secure the loan, you continue to earn our everyday great rate based on your account balance.
Yes. Your security is not negotiable. At Alliant, we use industry leading technology and processes to keep your personal and financial information safe, and that includes the Alliant Loan Application.
To learn more about how we're keeping our members safe and secure, visit the "Alliant Security" page.
Please call us at 800-328-1935 if you think you may be experiencing fraudulent activity related to your Alliant loan application. Our team is available 24/7 to help.
Device authentication is part of Alliant's efforts to keep both you and your personal information safe.
To learn more about how we're keeping our members safe and secure, visit the "Alliant Security" page.
Your safety is non-negotiable. We use industry leading technology and processes to keep your personal and financial information secure.
To learn more about how we're keeping our members safe and secure, visit the "Alliant Security" page.
The Alliant Loan Application is available on iPhone or Android smartphones and tablets using Apple iOS or Google Android. If you have a different device, please use our mobile optimized website.
As long as your loan is approved, funds are available the same day in most cases.
No collateral is required for an Alliant unsecured loan. Contact an Alliant Loan Consultant at 800-328-1935 for more information on the credit history requirements and other loan application details.
Alliant offers some of the lowest credit card rates available.
Your Alliant Visa Platinum or Alliant Visa Platinum Rewards credit card rate is based in part on your credit score and can be as low as 0% for 12 billing cycles. After this promotional period ends, your standard APR will apply to all new purchases and balance transfers and all unpaid balances.
The APR on new purchases and balance transfers can increase or decrease quarterly. The rate is determined by adding the highest U.S. Prime Rate published in The Wall Street Journal during the last two business days of the previous quarter, plus a margin of 5.99% to 17.99%.
An authorized user is someone who has been given access to use and make purchases on another cardholder's account. They are not legally responsible for the debt. Being an authorized user can help build your credit. Credit score can be impacted both positively and negatively by being an authorized user.
You can add an authorized user by either calling Alliant, adding one in online banking, or in the Alliant Loan Application.
If a payment is made late, a $25 late payment fee is assessed. At times, we offer special offers with promotional balance transfer rates that may or may not have a fee.
Once your credit card application is approved, it typically takes 7-10 days to receive the credit card by mail.
Members can choose between Alliant Visa Platinum and Alliant Visa Platinum Rewards.
You'll enjoy the same features and benefits with either Platinum card, but with Platinum Rewards, you'll also earn Rewards points for every dollar you spend using it. Bonus points can be redeemed for cash back, valuable merchandise, travel, and more.
Absolutely. We make it easy to transfer balances from your other credit cards so you can save money with Alliant's low interest rates. You can transfer a balance when you apply for a card, or transfer a balance after you've been approved.
The decision to add credit card protection to your card is up to you. If you decide to add it, Alliant offers low-cost MEMBER'S CHOICE Credit Card Protection. With MEMBER'S CHOICE, you'll be protecting yourself, your credit, and your family against financial losses that could result if you are unable to make your payment due to an unexpected disability or death.
Not to worry! All Alliant Visa® Platinum Rewards cardholders are automatically enrolled in the Visa® Platinum Rewards program.
Oui, oui! You can use your Alliant Visa® credit card anywhere Visa is accepted. Even better, you'll only be charged one percent for foreign transactions – much less than the three percent many major banks charge. And when traveling internationally, don't forget to complete the "Travel Notification form" in Online Banking to ensure that your foreign transactions will not trigger fraud alerts.