OneMain Financial Personal Loan
1,300+ branches
- APR
- 11.99-35.99%
- Loan amount
- $1,500-35,000
- Term
- 24-60 months
Apply now
on the OneMain Financial website
on the OneMain Financial website
ITIN loans: who gives personal loans without an SSN
Big online lenders such as Upgrade ask for an SSN. With an ITIN the choice is smaller: OneMain, Rize and credit unions that work with immigrant communities.
Credit unions lend only to members from their area, so start with the one closest to you.
- Bank account
- SSN or ITIN
- Credit builder
- First card
- Loans at fair ratesYou are here
Lenders that accept an ITIN
They lend in many states.
Credit unions with ITIN loans
Each one lends only to members from its area. If you live elsewhere, look for a credit union near you that lists "ITIN loans" on its site.
Latino Community Credit Union
North Carolina residents
- APR
- 16.00% (signature)
- Loan amount
- Up to $20,000
- Term
- 6-48 months
Only: NC
Apply now
on the Latino CCU website
on the Latino CCU website
Northwest Plus Credit Union Personal Term Loan
Accepts ITIN, Washington State
- APR
- 8.99-17.99%
- Term
- Up to 72 months
- Membership
- $5 deposit
Only: WA
Apply now
on the NW Plus CU website
on the NW Plus CU website
Neighborhood Trust Federal Credit Union Personal Loan
Accepts ITIN, Upper Manhattan
- APR
- Up to 18%
- Loan amount
- Up to $10,000
- Term
- Up to 60 months
Only: NY
Apply now
on the Neighborhood Trust FCU website
on the Neighborhood Trust FCU website
UW Credit Union Fixed-Rate Personal Loan
Accepts ITIN, Wisconsin
- APR
- From 8.48%
- Loan amount
- $500-40,000
- Term
- 36-72 months
Only: WI
Apply now
on the UW Credit Union website
on the UW Credit Union website
Fibre Federal Credit Union
Same rate as with SSN
- Term
- 12-60 months
Only: WA, OR
Apply now
on the Fibre FCU website
on the Fibre FCU website
A 0% loan through a lending circle
California only.
If you get a no
A card or a credit builder adds history. After several months of on-time payments your chances with lenders get better.
Capital One Platinum Secured
Accepts ITIN
- APR
- 29.24% variable
- Annual fee
- $0
- Deposit
- $49 / $99 / $200
Apply now
on the Capital One website
on the Capital One website
Extra Debit Card
Debit card, accepts ITIN
- Monthly fee
- $20/mo or $149/yr
- Reports to
- Equifax, Experian
Open account
on the Extra website
on the Extra website
Step by step
- 1
Check that your ITIN is active
An ITIN expires if it is not used on a federal tax return for 3 tax years in a row. An expired number can mean a refusal.
- 2
Prepare your documents
Lenders usually ask for your ITIN, a photo ID, proof of address and proof of income. Ask each lender for its own list. Latino Community Credit Union, for example, accepts a government photo ID from any country.
- 3
Check your offer where it does not hurt your score
Ask whether checking your offer affects your score. At OneMain, checking offers is a soft pull and applying is a hard pull. Apply only where you plan to take the loan.
- 4
Compare the APR and the total cost
The APR includes interest and fees. Ask how much you will pay back in total and whether the fee is taken out of the loan.
Questions people ask
Can I get a personal loan with an ITIN?
Yes, but the choice is small. OneMain accepts an ITIN on its offer check form, and Rize and several credit unions lend with an ITIN. Big online lenders such as Upgrade ask for an SSN.
Can I get a loan with only a passport?
Lenders usually ask for an SSN or an ITIN. Get an ITIN first.
What is a credit union?
A nonprofit financial cooperative owned by its members. To borrow, you first become a member, usually by living, working or studying in its area and opening a small savings account.