I recently joined Alliant Credit Union with a savings account. I did not receive any pre-approved offers, since I got the 3 to 5 day response originally. I'd like to apply for either a personal loan or an auto loan with them, and then hopefully down the road a Visa. Is it better for me to apply over the phone with a LO as opposed to online? I seem to see a lot of posts about applying directly with a LO over the phone, and wondered if that would give me a better chance of acceptance, or if it's just the result of ANY application.
One more question: if I were to be declined, does Alliant have a timeframe they want you to wait before you apply again, such as Chase requiring you to wait 6 months?
Thanks in advance for your help! 
Starting Score: 670 EQ and 674 TU
Itsmeagain wrote:
As an alternative, a secured loan with Alliant requires no credit check, can be paid off in six months, establishes you with Alliant and puts a little savings to work for you. Savings interest is 2.23%; Secured loan is 4.5%, meaning a total cost of 2.27%. It doesn't have to be a large loan, just something to get your foot in the door.
Would $500 be enough to establish a relationship with them, or is that too small?
wndrwmn78 wrote:
Would $500 be enough to establish a relationship with them, or is that too small?
To establish yourself, the amount is not so important as regularity. For example; saving 50/mo. would show that you can manage your account and would prove you could manage a payment for at least that amount on a regular basis. After about six months of regular savings deposits, you should qualify for their credit products with no problem.
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