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.
Personal loans for non us citizens

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
Personal Loans to Non-U.S. Citizens

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
Personal Loans for Non-U.S. Citizens

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
Get a Personal Loan as a Non-U.S. Citizen

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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Discover personal loans for non us citizens

Discover personal loans for non us citizens

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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