Can a non-citizen get a personal loan?

Yes, many online lenders provide loans to immigrants and individuals who are not U.S. citizens. In fact, some will not only approve permanent residents but also those who are living in the U.S. on a valid, long-term visa.

What visa types will allow you to qualify for a personal loan if you're not a U.S. citizen?

If you are a Green Card holder (permanent resident) you will qualify for most personal loans. However, it gets more complicated with other types of visa. Typically, online lenders will consider borrowers with E-1, E-2, H-1B, H-2A, H-2B, H-3, L-1, G-series, and O-1 visas. However, every lender has... Learn More at SuperMoney.com

What are the general requirements for non-citizens to get personal loans?

With a little legwork and preparation, non-citizens have as good a chance as anyone to get a personal loan. If you are a non-resident, you will need a government-issued form of identification to prove your legal status in the country. This might be your green card, Social Security Card, ITIN, or... Learn More at SuperMoney.com

Will non-U.S. citizens need a cosigner to get a personal loan?

Not all non-citizen immigrants will need a cosigner to get a personal loan. Whether you can get approved by yourself or not will depend on your credit history, credit score, income, and the qualification requirements of the lender. You can use SuperMoney's loan offer engine to get pre-qualified with... Learn More at SuperMoney.com

Why do many lenders not consider personal loan applications from non-U.S. citizens?

It's a matter of credit risk. Many lenders consider all non-U.S. citizens as higher risk than citizens regardless of their income and employment history. This is because most visa holders can only stay for a limited time in the United States. Some lenders may reason that even those who have a... Learn More at SuperMoney.com

How do loans for nonresidents work?

Loans for nonresident immigrants work similar to loans for residents and citizens but could take a bit more time, verification, and paperwork. You will have to prove your income and your legal status in the country. You may also need a cosigner if you don't have any credit. But once approved, you'll... Learn More at SuperMoney.com

What is the difference between a resident alien and a nonresident alien?

There are two main types of non-citizens that live in the United States, nonresident aliens and resident aliens. Resident alien. A resident alien, also known as a permanent resident, is a term used for non-U.S. citizens who have a Green Card (Alien Registration Receipt Card) and therefore have the... Learn More at SuperMoney.com

Where can you get a personal loan if you're a non-U.S. citizen?

The list of top-rated lenders for non-U.S. citizens above is an excellent starting point. If you apply with other lenders, make sure you check their residency status eligibility requirements before you agree to a hard credit inquiry. Lenders typically need to check your credit report to determine... Learn More at SuperMoney.com

Best Personal Loans for Immigrants, Non-U.S. Citizens | August 2022

Personal loans from U.S. lenders aren't just for U.S. citizens. If you are an immigrant, you may be able to get a loan as a permanent resident or a visa holder. This is our list of the best-rated personal loans for immigrants / non-U.S. citizens.

Are you an immigrant living and working in the United States and need a loan but you aren't a U.S. citizen? Although it is harder to get approved for a personal loan when you're not a U.S. citizen, we have good news. There are options available for immigrants or non-U.S. citizens. Many U.S. lenders allow permanent resident aliens as well as visa holders to borrow thousands of dollars and pay it back over several years. This can help with a variety of costs, such as moving, starting a business, or consolidating debt.

Lenders Who Offer Personal Loans to Non-U.S. Citizens

The companies listed below are part of SuperMoney's list of the top lenders that offer personal loans to non-U.S. citizens. This list is dynamically generated by SuperMoney's ranking algorithm and SuperMoney's community recommendations.

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SuperMoney

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