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OFFER DETAILS: This prequalification program uses a soft credit inquiry to estimate how much credit you would likely qualify for, if you applied. Soft inquiries do not affect your credit score. If you choose to apply after we respond to your prequalification request, Alliant Credit Union will conduct a hard credit inquiry as part of the application process, which may negatively impact your credit score. Estimates, rates, and terms are subject to change. This program is for individual credit only; there are currently no options for joint applications. You must be at least 18 years of age and meet income and other requirements to qualify for credit. Estimates are subject to verification of employment and income. If the soft inquiry shows that certain underwriting criteria are not met, we may not be able to provide you with an estimate, in which case you will be notified.
Receiving an estimate is not a guarantee that your application will be approved. All extensions of credit are subject to Alliant Credit Union lending policies. For this program, we are using Financial Offer System technology from FINOFR, a business partner. Alliant Credit Union does not sell member information. See our Privacy Policy and California Privacy Statement for details. 83. Loan approval and APR based on creditworthiness, payment method and ability to repay. Rates, terms, and conditions are subject to change. APR=Annual Percentage Rate.
37. Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. For more information, visit the Visa website.
51. Loan approval and APR based on creditworthiness and ability to repay. Rates, terms, and conditions are subject to change. APR=Annual Percentage Rate. The introductory rate on purchases and balance transfers is good for 12 months from the date of account opening based on your credit worthiness. After that, or if you don’t qualify for the introductory rate, your APR will adjust to your standard variable rate which will apply to all new purchases, new balance transfers, and all unpaid purchase and balance transfer balances remaining from the introductory period. Standard purchase and balance transfer APR: from 15.49%–27.49% for Visa Platinum Card and 18.24%–28.24% for Visa Platinum Rewards Card depending on your creditworthiness. See the Alliant Visa Card Disclosure (PDF) and Alliant Visa Platinum Card Agreement (PDF) for more information.