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
Representative APR Amount Term Type
8.74–11.74% $1k–$100k 12–60 mo personal
Best For

Immigrants with ITIN who want predictable, low-cost borrowing from a credit union with open membership

Pros & Cons

Pros
  1. ✓ Accepts ITIN — no SSN required
  2. ✓ Tightest APR range (8.74-11.74%) — very predictable cost
  3. ✓ No origination fee
  4. ✓ Loans up to $100,000
  5. ✓ Same-day funding
  6. ✓ Open membership — Alliant pays $5 fee to join
Cons
  1. ✗ Must join Alliant Credit Union first
  2. ✗ Shorter maximum term (60 months vs 84 at some lenders)
  3. ✗ Less well-known than big bank alternatives
  4. ✗ Credit score requirements not publicly disclosed

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