Personal loans for non us citizens || Complete Guide

Best personal loans for non us citizens

Personal loans for non us citizens

Lending companyWho can apply?
EarnestEligibility 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).
SoFiPermanent 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 LoanPermanent 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.
UpgradePermanent 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

CompanyWho Can Apply?Credit Score
LightStreamPermanent resident660+
UpgradePermanent resident or long-term visa holder620+
UpstartPermanent resident580+
PayoffPermanent resident or visa-holder640+
LendingPointPermanent resident585+
StiltCPT, OPT, H-1B, O-1, L-1, TN, J-1, or DACAUnknown
Personal Loans to Non-U.S. Citizens

Lenders that Offer Personal Loans for Non-U.S. Citizens

LenderWho Can Apply?Forms of ID Accepted
American ExpressU.S. citizens or permanent residentsSSN only
AvantU.S. citizens or permanent residentsSSN only
BarclaysU.S. citizens or permanent residentsSSN only
Best EggU.S. citizens or permanent residentsSSN only
CitibankU.S. citizens or permanent residentsSSN or ITIN
Citizens BankU.S. citizens or permanent residentsSSN only
DiscoverU.S. citizens or permanent residentsSSN only
FreedomPlusU.S. citizens or permanent residentsSSN only
LendingClubU.S. citizens, permanent residents, or visa-holdersSSN only
LendingPointU.S. citizens or permanent residentsSSN only
LightStreamU.S. citizens or permanent residentsSSN only
Marcus by Goldman SachsU.S. citizens, permanent residents, or visa-holdersSSN or ITIN
PayoffU.S. citizens, permanent residents, or visa-holdersSSN only
ProsperU.S. citizens or permanent residentsSSN only
TD BankU.S. citizens or permanent residentsSSN only
UpstartU.S. citizens or permanent residentsSSN only
USAAU.S. citizens, permanent residents, or visa-holdersSSN only
Wells FargoU.S. citizens or permanent residentsSSN 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

LenderPermanent U.S. ResidentsResidents with Valid Social Security NumberResidents with Eligible Visas
American ExpressYes
AvantYesYes
BackedYes
Best EggYes
Citizens BankYes
DiscoverYes
EarnestYesTN, 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 PlusYes
LendingClubYesLong-term visa
LendingPointYesYes
LoanDepotYes
MarcusYesYes
OneMainFinancialYesYes
PayoffYesYes
PeerformYes
ProsperYesYes
Regions BankYes
RocketLoansYes
SoFiYes
StiltYesYesF-1, OPT, H-1B, H-4, O-1, L-1, TN, J-1, or DACA visas
UpgradeYesLong-term visa
UpstartYes
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-1H-2AL-1
E-2H-2BO-1
G seriesH-3TN
H-1BJ-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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