Personal loans for non us citizens || Complete Guide
Best personal loans for non us citizens
Personal loans for non us citizens
| Lending company | Who can apply? |
| Earnest | Eligibility varies by lender, as identified by the Fiona loan-matching tool. While some participating lenders (Prosper, Upstart) serve any U.S. resident with a Social Security number, there’s no guarantee all participants will lend to noncitizens(Green card application). |
| SoFi | Permanent residents or holders of E-2, E-3, H-1B, J-1, L-1, or O-1 visas who’ve applied for permanent status, at least age 18, with income or promise of employment, residing in states where SoFi is licensed. |
| Stilt Personal Loan | Permanent residents or holders of F-1, H-1B, O-1, J-1, L-1, TN, L-1 or G-1 visa good for at least six months (or proof of DACA or Asylum status), with stable income or a U.S. job offer, a U.S. bank account and a fixed address in a state where Stilt is licensed. |
| Upgrade | Permanent residents ages 18 and up, living in the U.S. on a valid visa, with U.S bank accounts and valid email addresses. |
Lenders Who Offer Personal Loans to Non-U.S. Citizens
| Company | Who Can Apply? | Credit Score |
| LightStream | Permanent resident | 660+ |
| Upgrade | Permanent resident or long-term visa holder | 620+ |
| Upstart | Permanent resident | 580+ |
| Payoff | Permanent resident or visa-holder | 640+ |
| LendingPoint | Permanent resident | 585+ |
| Stilt | CPT, OPT, H-1B, O-1, L-1, TN, J-1, or DACA | Unknown |
Lenders that Offer Personal Loans for Non-U.S. Citizens
| Lender | Who Can Apply? | Forms of ID Accepted |
| American Express | U.S. citizens or permanent residents | SSN only |
| Avant | U.S. citizens or permanent residents | SSN only |
| Barclays | U.S. citizens or permanent residents | SSN only |
| Best Egg | U.S. citizens or permanent residents | SSN only |
| Citibank | U.S. citizens or permanent residents | SSN or ITIN |
| Citizens Bank | U.S. citizens or permanent residents | SSN only |
| Discover | U.S. citizens or permanent residents | SSN only |
| FreedomPlus | U.S. citizens or permanent residents | SSN only |
| LendingClub | U.S. citizens, permanent residents, or visa-holders | SSN only |
| LendingPoint | U.S. citizens or permanent residents | SSN only |
| LightStream | U.S. citizens or permanent residents | SSN only |
| Marcus by Goldman Sachs | U.S. citizens, permanent residents, or visa-holders | SSN or ITIN |
| Payoff | U.S. citizens, permanent residents, or visa-holders | SSN only |
| Prosper | U.S. citizens or permanent residents | SSN only |
| TD Bank | U.S. citizens or permanent residents | SSN only |
| Upstart | U.S. citizens or permanent residents | SSN only |
| USAA | U.S. citizens, permanent residents, or visa-holders | SSN only |
| Wells Fargo | U.S. citizens or permanent residents | SSN or ITIN |
Where to Get a Personal Loan as a Non-U.S. Citizen
Below is a list of lenders that offer personal loans to non-U.S. citizens
| Lender | Permanent U.S. Residents | Residents with Valid Social Security Number | Residents with Eligible Visas |
|---|---|---|---|
| American Express | Yes | ||
| Avant | Yes | Yes | |
| Backed | Yes | ||
| Best Egg | Yes | ||
| Citizens Bank | Yes | ||
| Discover | Yes | ||
| Earnest | Yes | TN, E, and O visas, or H-1B or F1 visa with 1-7 or 24-month STEM OPT/EAD and your current visa is valid through the life of the loan | |
| Freedom Plus | Yes | ||
| LendingClub | Yes | Long-term visa | |
| LendingPoint | Yes | Yes | |
| LoanDepot | Yes | ||
| Marcus | Yes | Yes | |
| OneMainFinancial | Yes | Yes | |
| Payoff | Yes | Yes | |
| Peerform | Yes | ||
| Prosper | Yes | Yes | |
| Regions Bank | Yes | ||
| RocketLoans | Yes | ||
| SoFi | Yes | ||
| Stilt | Yes | Yes | F-1, OPT, H-1B, H-4, O-1, L-1, TN, J-1, or DACA visas |
| Upgrade | Yes | Long-term visa | |
| Upstart | Yes |
Tips for Preparing for the personal loans for non us citizens Application Process
- Identifying information: driver’s license or other identification cards.
- Proof of address: utility bills, leases, or other documentation with your address.
- Income verification: W-2, pay stubs, bank statements, or tax returns.
- Personal information: contact information, Social Security Number.
- Loan information: desired loan amount, term, and use of funds.
- Employment information: employment status, employer’s contact information.
- Education information: the highest level of education obtained, area of study, GPA.
Can You Get a Personal Loan as a Non-U.S. Citizen? While non-U.S. citizens are eligible for personal loans
| Commonly accepted visas for applicants | ||
| E-1 | H-2A | L-1 |
| E-2 | H-2B | O-1 |
| G series | H-3 | TN |
| H-1B | J-1 |
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Can non us citizens get student loans
You can consider private student loans for non-U.S. citizens. Even people without credit scores can qualify for private student loans. Whether you are from the U.S. or from abroad, you can get a private loan to finance your education. Apply today for a private student loan to pay for your tuition fees.
Eligibility for Non-U.S. Citizens
Can a non us citizen get a loan
Although U.S. citizens are eligible for personal loans, they must meet certain requirements that vary from certain payer to payer. End payers will find that you have a green card or valid visa that extends for at least three years or the length of the loan.
Private student loans for non-us citizens
Can non us citizens apply for student loans
Students who are not U.S. citizens or non-citizens permanent residents and who are studying at a qualified U.S. college or university may apply for international student loans.
Can non us citizens get federal student loans
You must be a U.S. citizen, U.S. citizen, or a qualified citizen when applying for federal or state financial aid with the Free Application for Federal Student Aid (FAFSA). Note: Unauthorized students do not qualify for federal financial aid and are not able to submit to the Federal FFSA.
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