alliant credit union offer?

[Anonymous]

I got this in my email. How accurate are their pre-approvals and what kind of application process should I expect?

[FinStar]

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@Anonymous wrote:

I got this in my email. How accurate are their pre-approvals and what kind of application process should I expect?

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I would say pretty accurate, provided not much has changed in your profile from the time the offer was made and when you apply.  I was aproved for $15K with 12.24%.  Are you currently a member of Alliant? 

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

I got this in my email. How accurate are their pre-approvals and what kind of application process should I expect?

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I would say pretty accurate, provided not much has changed in your profile from the time the offer was made and when you apply.  I was aproved for $15K with 12.24%.  Are you currently a member of Alliant? 

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Dang!! $15K right off the bat? haha. Yeah, I've been a member for a year. Thinking of going for it..hmm...Do you remember which report they pulled?

[baller4life]

Have you apped yet? *in my Captool voice! 😂

[Anonymous]

I've been gardening so well.... but that $300 though.. haha decisions decisions

[Anonymous]

applied and it said a loan officer will get back to me. most likely denial or verification?

[Ron1]

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@Anonymous wrote:

applied and it said a loan officer will get back to me. most likely denial or verification?

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Good luck!!!! It's probably to call for verification.

Ron.

[FinStar]

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@Anonymous wrote:

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@FinStar wrote:

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@Anonymous wrote:

I got this in my email. How accurate are their pre-approvals and what kind of application process should I expect?

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I would say pretty accurate, provided not much has changed in your profile from the time the offer was made and when you apply.  I was aproved for $15K with 12.24%.  Are you currently a member of Alliant? 

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Dang!! $15K right off the bat? haha. Yeah, I've been a member for a year. Thinking of going for it..hmm...Do you remember which report they pulled?

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Alliant pulled EQ for me (I'm in OH).  Here's a screenshot of the CC page:

[FinStar]

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@Ron1 wrote:

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@Anonymous wrote:

applied and it said a loan officer will get back to me. most likely denial or verification?

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Good luck!!!! It's probably to call for verification.

Ron.

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Right.  More than likely verification and/or if they want you to submit some additional information OP.  Mine also went into loan officer review before the approval.

The email confirmation followed afterwards (within 1 day):

[Themanwhocan]

Alliant pulled Equifax for me. 

Thats a great offer, all I got was the standard $100 offer. With $20K starting limit @ 18.24 APR, which they said was because I had opened a few credit cards recently.

I'm basically moving to using Alliant as my main bank.