4 Personal Loans for Non-U.S. Citizens

People who work and live in the USA face specific problems. Getting a loan for immigrants can be pretty tricky. However, some companies will help out in a difficult financial situation.

Where can I get a personal loan if I am not a US citizen?

Some lenders provide loans for immigrant. Let's consider four companies that will help in solving difficulties with finances.


The company specializes primarily in student loans. Also, the creditor issues a personal loan with itin number. You can get from 1,000 to 25,000 dollars and a 2 to 7 years term.

Earnest is partnered with the Fiona service. It is she who selects lenders according to the borrower's needs. To get a personal loan for immigrants, you must complete an application, specify the exact amount and attach the necessary documents. Based on this information, the system will select offers from creditors.

A co-signer is required for the loan if you do not have a visa. It must be a paying citizen of the United States or a permanent resident of the country.


SoFi is a company that offers a wide range of financial services and provides immigrant loans. You can take 5,000 to 100,000 dollars and 2 to 7 years.

There are several conditions for the company to get a loan. For non-US citizens, this is:

  • coming of age;

  • domicile;

  • having a visa;

  • reside in a state where SoFi operates.

Also, it is necessary to have a place of work or a stable income. The level of funds should be sufficient to pay the regular payments.


The company specializes in issuing loans for foreigners and low-income people. The loan can be from 1,000 to 35,000 dollars, from 6 to 36 months.

Those who: can receive financial assistance.

  • resides in the state where Stilt is licensed;

  • has a US bank account;

  • have a personal phone number;

  • has a valid visa;

  • is employed or has an invitation to work.

The company carries out standard checks on the borrower. They can also view the payment history of bills unrelated to the loan.


In mobile banking, you can issue personal loans with itin number. Loans from $1,000 to $50,000 are available. People who:

  • came of age;

  • live in the USA on a permanent visa;

  • have a valid bank account;

  • have an email.

You can receive funds after checking your credit rating and income level.

Peculiarities of issuing a loan to a non-US citizen

Lenders prefer US citizens for financial assistance. It is logical that the company wants to be sure it will get its money back. But immigrants can also take out a personal loan.

To get personal loans with itin, you must present a valid visa or green card. At the same time, its term should be at least two years. It is because the loan is issued for at least 24 months. The lender wants to ensure you won't flee the country with their money.

After that, the lender will check the financial history and income level. Even if you don't have a credit history in the US, you can get a loan. For this purpose, payments, invoices, and statements from collection companies are checked.

How to apply for a loan to a non-US citizen

When you have decided where to apply for personal loans that accept itin number, you need to prepare documents. First, you will need a visa and an identity document. In addition, it is necessary to provide materials about the place of residence and a certificate about the income level.

Some companies require a social security number. If you don't have one, you should contact lenders that provide itin personal loans.

After the application is approved, the information is transferred to an electronic form and a bank account. It is why it is essential to have a bank account. Thanks to it, you can set up automatic payments and quickly conduct financial transactions.

Even when issuing a loan to a non-citizen of the United States, a thorough credit rating check is carried out. It is essential to close all debts in advance and remove errors from history. This way, it will be easier to understand what amount and interest you can apply for.

If you are sure you will be able to return the funds accurately, then a personal loan is an excellent option for solving financial problems. You will be able to cover moving expenses or purchase necessities. It is a great option to improve your financial situation and pay for sudden expenses.

Some companies require a co-signer to issue a loan. The person who will be responsible in the event of payment delays. She must have a stable income and a permanent place of residence. But this condition is not always mandatory. Not all lenders agree to issue a loan with a co-signer.

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