Denied car loan for $12k with 1) credit score over 740 x 3 credit agencies; 2) substantial savings; 3) full time job x 5 years; 4) credit history x 7 years. My DTI calculation: 34%, well within industry standards for loan approval. Alliant DTI calculations: 80%! That calculation has us not eating. Tried contacting loan department for explanation. Blown off x 2 times with boilerplate, denial email--female agent wouldn't even speak to me on phone! Customer Service tried picking up pieces (yes, we have money in this shady institution...but not for long) by saying loan associate quoted "school loans" as root of denial. Recommendation: Find any, other financial institution to do business. Bank of America's track record, for example, is very sketchy; but BofA outshines these spinners by 300%! Not my idea of a credit union working for its members.