10 Personal Loans for Non-U.S. Citizens

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If you’re not a U.S. citizen, it might be more difficult for you to qualify for a personal loan from a U.S.-based lender. However, there are several lenders that offer personal loans for non-U.S. citizens — provided you meet their eligibility requirements.

Here’s what you should know about personal loans for non-U.S. citizens:

• 10 lenders that offer personal loans to non-U.S. citizens
• Can a non-U.S. citizen get a personal loan?
• What lenders typically look for in a non-U.S. citizen applicant
• Requirements when applying for a personal loan as a non-U.S. citizen
• Compare multiple offers to find the right loan
• Frequently asked questions

10 lenders that offer personal loans to non-U.S. citizens

Before taking out a personal loan, it’s important to consider as many lenders as possible. This way, you can find the right loan for your needs.

Here are Credible’s partner lenders that offer personal loans for non-U.S. citizens:

Lender	Fixed rates	Loan amounts	Min. credit score	Loan terms (years)	Residency
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	11.79% - 20.84% APR	$10,000 to $50,000	730	3, 4, 5, 6	U.S. citizen or permanent resident with Social Security number
Fixed APR: 11.79% - 20.84% APR Variable APR: N/A Min. credit score: 730 Loan amount: $10,000 to $50,000 Loan terms (years): 3 to 6 years Time to fund: Next business day Fees: No prepayment penalty Discounts: None Eligibility: Available in all 50 states Customer service: Phone Soft credit check: Yes Min. Income: Does not disclose Loan Uses: Debt consolidation, home improvement, self-employment, and other purposes
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	8.99% - 35.99% APR	$5,000 to $35,000	600	2, 3, 4, 5	U.S. citizen or permanent resident (Not available in DC, IA, WA, or WV)
Fixed APR: 8.99% - 35.99% APR Variable APR: N/A Min. credit score: 600 Loan amount: $2,000 to $50,000 Loan terms (years): 2, 3, 4, 5 Time to fund: As soon as 1 to 3 business days after successful verification Fees: Origination fee Discounts: None Eligibility: Available in all states except DC, IA, VT, and WV Customer service: Phone Soft credit check: Yes Loan servicer: Best Egg and Blue Ridge Bank Min. Income: None Loan Uses: Credit card refinancing, debt consolidation, home improvement, and other purposes
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	7.99% - 24.99% APR	$2,500 - $40,000	660	3, 4, 5, 6, 7	U.S. citizen or permanent resident
Fixed APR: 7.99% - 24.99% APR Min. credit score: 660 Loan amount: $2,500 - $40,000 Loan terms (years): 3, 4, 5, 6, 7 Time to fund: As soon as the next business day after acceptance Fees: Late fee Discounts: None Eligibility:  Available in all 50 states Customer service: Phone Soft credit check: Yes Loan Uses: Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	9.57% - 35.99% APR	$1,000 to $40,000	660	3, 5	U.S. citizen or permanent resident with Social Security number
Fixed APR: 9.57% - 35.99% APR Min. credit score: 660 Loan amount: $1,000 to $40,000 Loan terms (years): 3, 5 Time to fund: Usually takes about 2 days† Fees: Origination fee Discounts: None Eligibility: Available in all 50 states Customer service: Phone, email Soft credit check: Yes Loan servicer: LendingClub Bank Min. Income: None Loan Uses: Debt consolidation, paying off credit cards, home improvement, pool loans, vacations, and other purposes
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	7.99% - 35.99% APR	$2,000 to $36,500	660	2, 3, 4, 5, 6	U.S. citizen or permanent resident with Social Security number (not available in NV or WV)
Fixed APR: 7.99% - 35.99% APR Min. credit score: 660 Loan amount: $2,000 to $36,500 Loan terms (years): 2, 3, 4, 5, 6 Time to fund: As soon as the next business day Fees: Origination fee Discounts: Autopay Customer service: Phone, email Soft credit check: Yes Min. Income: $20,000 Loan Uses: Home improvement, consolidate debt, credit card refinancing, relocate, make a large purchase, and other purposes
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	8.49% - 17.99% APR	$600 to $50,000 (depending on loan term)	700	1, 2, 3, 4, 5	U.S. citizen or permanent resident
Fixed APR: 8.49% - 17.99% APR Min. credit score: 700 Loan amount: $600 to $50,000* Loan terms (years): 1, 2, 3, 4, 5 Time to fund: 2 to 4 business days after verification Fees: None Discounts: 0.25% reduction with use of AutoPay Eligibility: Does not disclose Customer service: Phone, email Soft credit check: No Min. Income: Does not disclose Loan Uses: Debt consolidation, home improvement, transportation, medical, dental, life events
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	8.99% - 25.81% APR10	$5,000 to $100,000	Does not disclose	2, 3, 4, 5, 6, 7	U.S. citizen, permanent resident, or visa holder (J-1, H-1B, E-2, O-1, or TN) (Not available in MS)
Fixed APR: 8.99% - 25.81% APR10 Min. credit score: Does not disclose Loan amount: $5,000 to $100,000 Loan terms (years): 2, 3, 4, 5, 6, 7 Time to fund: 3 business days Fees: No fees required Discounts: Autopay Eligibility: Available in all states Customer service: Phone, email Soft credit check: Yes Min. Income: Does not disclose Loan Uses: Solely for personal, family, or household uses
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	8.49% - 35.99% APR	$1,000 to $50,000	600	2, 3, 5, 6	U.S. citizen or permanent resident (Not available in WV)
Fixed APR: 8.49% - 35.99% APR Min. credit score: 600 Loan amount: $1,000 to $50,000* Loan terms (years): 2 to 7 Time to fund: Within a day of clearing necessary verifications Fees: Origination fee Discounts: Autopay Eligibility: Available in all 50 states and Washington, D.C. Customer service: Email Soft credit check: Yes Min. Income: Does not disclose Loan Uses: Debt consolidation, credit card refinancing, home improvement, and other purposes
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. View details	6.4% - 35.99% APR4	$1,000 to $50,0005	620	3 or 5 years4	U.S. citizen or permanent resident
Fixed APR: 6.4% - 35.99% APR4 Min. credit score: 620 Loan amount: $1,000 to $50,0005 Loan terms (years): 3 or 5 years4 Time to fund: As soon as 1 - 3 business days6 Fees: Origination fee Discounts: None Eligibility: Available in all 50 states Customer service: Phone, email Soft credit check: Yes Min. Income: $12,000 Loan Uses: Payoff credit cards, consolidate debt, relocate, make a large purchase, and other purposes
Compare personalized prequalified rates from these lenders without affecting your credit score. 100% free! Compare Now Trustpilot
All APRs reflect autopay and loyalty discounts where available | LightStream disclosure | 10SoFi Disclosures | Read more about Rates and Terms

Axos Bank

Residency: U.S. citizen or permanent resident with Social Security number

Axos Bank offers personal loans from $10,000 to $50,000 with repayment terms from three to six years. If you’re approved, you could get your funds as soon as the next business day.

Pros

• Fast loan funding
• No prepayment penalty
• Wide variety of loan uses

Cons

• Must borrow at least $5,000
• Might be hard to qualify if you don’t have excellent credit
• Charges late and insufficient funds fees

Best Egg

Residency: U.S. citizen or permanent resident

With Best Egg, you can borrow $2,000 to $50,000 with terms from two to five years. In addition to your credit score, Best Egg also considers more than 1,500 proprietary credit attributes from sources that include external data providers and your “digital footprint.”

This means you might have an easier time qualifying with Best Egg compared to working with a traditional lender.

Pros

• Might be able to qualify with poor or fair credit
• Competitive rates
• Fast loan funding

Cons

• Not available in Iowa; Vermont; Washington, D.C.; or West Virginia
• Origination fees from 0.99% to 8.99%
• Charges late fees

Discover

Residency: U.S. citizen or permanent resident

If you’re looking for a long repayment term, Discover could be a good choice — you can borrow $2,500 to $40,000 with terms from three to seven years. Just keep in mind that choosing a longer term means you’ll pay more in interest over time.

Pros

• Repayment terms up to seven years
• Might be able to qualify with fair credit
• Fast loan funding

Cons

• Charges late fees
• Must borrow at least $2,500
• Doesn’t accept cosigners

LendingClub

Residency: U.S. citizen or permanent resident with Social Security number

If you have poor or fair credit, LendingClub could be a good choice for a personal loan. You can borrow $1,000 to $40,000 with a three- or five-year term. You also have the option to apply with a cosigner.

Pros

• Might qualify with poor or fair credit
• Can apply with a cosigner
• If you’re turned down, it won’t hurt your credit score

Cons

• Limited repayment terms (only three or five years)
• Origination fees from 1% to 6%
• Charges late fees

LendingPoint

Residency: U.S. citizen or permanent resident with Social Security number

LendingPoint specializes in working with borrowers who have near-prime credit — usually meaning a credit score in the upper 500s or 600s. You can borrow $2,000 to $36,500 with terms from two to six years.

Pros

• Might qualify with poor or fair credit
• Fast loan funding
• No prepayment penalty

Cons

• High interest rates compared to other lenders
• Origination fees from 0% to 10%
• Not available in Nevada or West Virginia

PenFed

Residency: U.S. citizen or permanent resident

If you only need a small loan, PenFed might be a good choice — you can borrow as little as $600 up to $50,000 with terms from one to five years. Keep in mind that while you don’t have to join PenFed to apply, you’ll need to become a member if you are approved and choose to accept the loan.

Pros

• Accepts cosigners
• Can borrow as little as $600
• No fees

Cons

• Funds are sent through the mail, which means it could take longer to get funds
• Must join the credit union to accept a loan
• Doesn’t disclose minimum income requirements

SoFi

Residency: U.S. citizen, permanent resident, or visa holder (J-1, H-1B, E-2, O-1, or TN)

If you need to borrow a large amount, SoFi could be a good option — you can borrow $5,000 to $100,000 with repayment terms from two to seven years. SoFi borrowers also have access to several perks, such as unemployment protection, career coaching, and investing advice.

Pros

• Can borrow up to $100,000
• No fees
• Borrower perks (such as unemployment protection and investing advice)

Cons

• Doesn’t disclose minimum income or credit requirements
• Not available in Mississippi
• Must borrow at least $5,000

Upgrade

Residency: U.S. citizen or permanent resident

If you have poor or fair credit, Upgrade might be a good choice. You can borrow $1,000 to $50,000 with two, three, five, or six year terms. If you’re approved, you could have your funds within a day of clearing necessary verifications.

Pros

• Might qualify with poor or fair credit
• Fast loan funding
• Free credit monitoring and educational resources

Cons

• Origination fees from 1.85% to 8.99%
• Limited repayment terms (only three or five years)
• Not available in West Virginia

Upstart

Residency: U.S. citizen or permanent resident

In addition to your credit score, Upstart will consider your education and job history to determine creditworthiness — which means you might still qualify even if you have little to no credit. With Upstart, you can borrow $1,000 to $50,000⁵.

Pros

• Might qualify with poor or no credit
• No prepayment penalty
• Fast loan funding

Cons

• Origination fees from 0% to 10%
• Charges late and returned check fees
• Can have high interest rates compared to other lenders

Learn More: What You Can Use a Personal Loan For

Can a non-U.S. citizen get a personal loan?

Yes, non-U.S. citizens can get approved for personal loans from certain lenders. Just keep in mind that the specific requirements vary by lender, and non-U.S. citizens might not have enough credit or income history to qualify for the lowest rates or most favorable terms.

Check Out: How to Check if a Personal Loan Company Is Legitimate

What lenders typically look for in a non-U.S. citizen applicant

While specific eligibility criteria can vary, here are some common requirements that you’ll typically need to meet to qualify for a personal loan as a non-U.S. citizen:

Years of credit history

Many lenders typically want to see at least two years of credit history — possibly more — before you can take out a personal loan. Some lenders might be willing to accept documentation of payment history or credit history from your home country if you don’t have sufficient U.S.-based credit history.

Type of visa

If you’re a visa holder, you might or might not be able to get a personal loan depending on the type of visa you have. Here are some of the visa categories that might qualify you for a personal loan:

• E-1
• E-2
• G series
• H-1B
• H-2A
• H-2B
• H-3
• J-1
• L-1
• O-1
• TN

Length of the personal loan

Generally, lenders will only allow you to choose a repayment term that’s shorter than the period of time you’re authorized to live in the U.S. This way, the lender will have less trouble collecting payment.

For example, if you have a visa that lasts an additional two years from the time of your loan application, your lender likely won’t let you pick a five-year repayment term.

Cosigner in the U.S.

You might also be required to apply with a cosigner who is a U.S. citizen. Not only does this provide assurance to the lender that the loan will be repaid, but it might also qualify you for a better interest rate compared to what you’d get on your own.

Learn More: Getting a Loan With No Credit: 4 Loans for New Borrowers

Requirements when applying for a personal loan as a non-U.S. citizen

Here’s what you’ll generally need to provide when applying for a personal loan as a non-U.S. citizen:

Personal information

This typically includes:

• Identification, such as a driver’s license
• Proof of address
• Contact information
• Social Security number or other identifying information

Credit check

To qualify for a personal loan, you’ll typically need good to excellent credit — but if you haven’t built a credit history in the U.S., you might have a hard time passing a credit check.

There are a couple of options that might help in this case:

Work with Nova Credit

Nova Credit, a cross-border credit bureau, offers several ways to establish and build credit in the U.S. These options include:

1. Transferring your credit score from your home country to the U.S.
2. Applying for a secured credit card
3. Establishing a relationship with a bank based in the United States
4. Applying for U.S. credit with a co-signer
5. Making on-time payments and changing products if needed

Use information from your home country

You might also be able to use a credit package or information from your home country that shows your creditworthiness.

Proof of income and job status

Some lenders have a minimum income requirement while others don’t — but in either case, you’ll still generally need to show proof of income. This might require submitting W2s, pay stubs, bank statements, or tax returns.

Additionally, you’ll need to share your employment status as well as your employer’s contact information.

Other documentation

You may also need to provide additional documentation about your residency status or visa or any other documentation stemming from your status as a non-citizen.

Check out: Bad Credit Personal Loans

Compare multiple offers to find the right loan

While there might be fewer loan options for non-U.S. citizens, it’s still important to shop around and compare as many lenders as you can to find the right loan for you. In addition to residency requirements, be sure to consider interest rates, repayment terms, and any fees charged by the lender.

Comparing lenders is easy with Credible. You can see your prequalified rates from multiple lenders in just two minutes — without affecting your credit.

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Frequently asked questions

Here are the answers to a few commonly asked questions about getting a personal loan as a non-U.S. citizen:

Can you get a loan without a Social Security number?

While some lenders require borrowers to have a Social Security number, others don’t. Be sure to check with the lender to see what their exact requirements are before applying for a personal loan.

Learn More: Secured Personal Loans You Should Know About

Do banks give loans to nonresident borrowers?

Yes, there are some banks that work with nonresident borrowers, such as Axos Bank and Discover. You might also be able to qualify with certain online lenders or credit unions, such as LendingClub or PenFed.

Just remember that to get approved for a personal loan, you’ll have to meet the lender’s eligibility requirements. These vary between lenders but usually include verifying your:

• Residency status
• Work history
• Creditworthiness
• Income

Check Out: COVID-19: How Personal Loan Lenders Are Helping Borrowers

How much can I borrow as a non-U.S. citizen?

Personal loans can range from $600 to $100,000 or more, depending on the lender. However, some lenders might restrict how much you can borrow as a non-U.S. citizen if they consider you a higher risk.

One potential way to get approved for a higher loan amount is to apply with a cosigner who is a U.S. citizen. This might also help you qualify for a lower interest rate than you’d get on your own.

You can estimate how much you’ll pay for a loan using our personal loan calculator below.

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About Rates and Terms: Rates for personal loans provided by lenders on the Credible platform range between 5.20%-35.99% APR with terms from 12 to 144 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of October 9, 2023, none of the personal loan lenders on our platform require a down payment nor do they charge any prepayment penalties.

Prequalified rates disclosure: Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.

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