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Created at September 21, 2020

Companies Providing Personal Loans to Immigrants

Here Are The Best Places That Provide Personal Loans At Affordable Rates For Immigrants

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SoFi
SoFi
4.4
(8)
860 Washington St #2, New York
Rate
SoFi private student loans are the best fit for students who have already exhausted their federal grant and loan venues and are looking for an easy, affordable, and flexible financing option. SoFi is also great for grad loans and parent loans - perfect for parents looking to help their kids through college.
Invest, borrow, and spend, all in one place.
Earnest offers personal loans to permanent residents with a 10-year green card, conditional permanent residents with a 2-year green card and nonresidents with a TN, E or O visa.
LendingClub helped pioneer the business model of "peer-to-peer" or "marketplace" lending, which matches borrowers with investors willing to fund their loans. It’s the largest online lending platform for personal loans in the U.S., having facilitated more than $55 billion in loans since it was founded in 2007. Terms: Borrowers can choose a 36-month or a 60-month repayment term on a LendingClub loan. Rates: LendingClub’s rates are comparable with other lenders that accept fair-credit borrowers. Those with higher credit scores and less debt are poised to get the company’s lowest annual percentage rates. » MORE: See our picks for online loans Fees: This lender charges a late fee after a 15-day grace period and an origination fee. Origination fee: 2% - 6%.Late fee: Greater of $15 or 5% of payment.Prepayment fee: None.
Its is greatly.
Discover offers a variety of credit cards for everyday shoppers, travelers, students and business owners. The Discover brand is known for customer service and no-annual-fee credit cards. Here are our picks for the best Discover credit cards available from our partners. Discover cardholders can expect features including: FeesNo annual feeNo foreign transaction feesNo overlimit feeNo penalty APR and no fee on your first late payment (up to $40 after)Security$0 fraud liability for unauthorized purchases24/7 account monitoringFree credit activity and Social Security Number fraud alertsDiscover Freeze it® account lockFree overnight card delivery by request if lost or stolenCustomer serviceU.S.-based customer serviceFree FICO® Credit ScorecardYear-end spending summaryRecurring charges dashboard
Bank of America (with Drive-thru ATM)
Bank of America (with Drive-thru ATM)
4.7
(3)
2 Triangle Center, Yorktown Heights
Rate
Good
OneMain
OneMain
4.7
(3)
https://www.onemainfinancial.com/personal-loans
Rate
Don’t have the best credit? OneMain Financial may be for you. It doesn’t have any hard-and-fast credit requirements, and you can secure your loan with collateral to increase your chances of approval. It also could be a good option if you’re in a rush — it’s possible to get your funds the same day you apply.
Nomad Credit connects customers with potential lending partners based on the search profile they submit on our platform. Personal loans can be used to improve your lifestyle or to cover an unexpected expense. Why wait for something that you need now? With the many loan options and lending partners in the market, Nomad Credit can help point you in the right direction. Once you see your recommended lending partners, Nomad Credit is here to help you through the process and answer any questions that you may have.
Best Egg Personal Loans
Best Egg Personal Loans
5.0
(1)
1523 Concord Pike, Wilmington
Rate
Best Egg personal loans could be a good choice for people with fair-to-excellent credit. Their minimum credit score requirement is just 640, and people who earn more than $100,000 per year and have a credit score over 700 also have a shot at qualifying for Best Egg’s lowest rate: 5.99%. The minimum credit score to get a Best Egg personal loan is 640. There are no disclosed minimum income requirements to get a loan. However, Best Egg does note that in order to receive their lowest rate, you will need a credit score of 700+ and an income of $100,000+. Best Egg does not allow co-signers. There are some other basic Best Egg loan requirements to meet as well. You must be of legal age to accept a loan in your home state. In most states, that’s 18 years old. You must also be either a U.S. citizen or permanent resident with a Social Security number, an ITIN or a passport. Best Egg also requires applicants to have a bank account and an email address. Best Egg interest rates range from 5.99% to 29.99%. Your individual rate will be based on a combination of factors such as your credit score, income and other debts. Best Egg loans have fixed APRs, so your interest rate will never change during the entire time you pay it off. Best Egg does not have a fee if you pay off your loan early. However, they do have multiple other fees. The Best Egg origination fee is 0.99% - 5.99%, and it is deducted from the amount deposited in your bank at the beginning. There’s also a $15 fee for late/returned payments. And Best Egg “may” charge a $7 processing fee per payment for any customers who are not enrolled in automatic payments. Relative to many other lenders on the market, Best Egg is more expensive when it comes to fees.
Marcus
Marcus
5.0
(1)
https://www.marcus.com/us/en
Rate
Marcus is the online-only consumer banking and lending arm of investment bank Goldman Sachs. One of the few banks offering personal loans, the company prides itself on transparency and no-fee loans, says Mandy Huang, vice president who heads the company's digital acquisition team. Marcus loans are aimed at borrowers with good and excellent credit. Some of its personal loan features, like flexible loan terms, were added specifically because of customer feedback. One drawback is the company reports loan payments only to TransUnion instead of all three major credit bureaus.
Transform Credit
Transform Credit
5.0
(1)
https://transformcredit.com
Rate
Transform Credit Personal Loans is offered by Transform Credit Inc, a direct lender founded in 2018 and based in Chicago, IL. Transform Credit Personal Loans is available in 3 states across the USA. APRs starting at 35.99%. Personal loan interest rates typically range between 5% and 36%. The starting rates for Transform Credit Personal Loans are on the higher end of the spectrum.Fast access to funds. In some cases you can get your money within 1 business day.Hard credit pull required. You can't check your rates or see if you prequalify for Transform Credit Personal Loans without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.No origination fee. Transform Credit Personal Loans does not charge a loan origination fee.Cosigner applications accepted. Applying for Transform Credit Personal Loans with a cosigner can improve your chances of approval and help you qualify for lower interest rates.
1 call loans
1 call loans
5.0
(1)
https://1callloans.com
Rate
1 Call Loans allows you to customize a loan plan that works best for you. Loan amounts can range anywhere from $0 to $10,000+ depending on the customer's qualifications and needs. Flexible APR RangeInstant Online ApprovalAvailable in all 50 States Flexible APR RangeWhether it's short-term or long-term, 1 Call Loans prides itself on giving loans catered to personal customer needs.  Instant Online ApprovalEvery user is eligible for instant online approval regardless of their credit score and 24/7 live customer service is available. Available in all 50 States Services are also available in all 50 states and the District of Columbia. 
Freedom Plus
Freedom Plus
5.0
(1)
http://www.freedomplus.com
Rate
The typical FreedomPlus borrower is in his or her mid-40s with good credit and looking to consolidate credit card debt into a single, fixed-rate loan, says Joseph Toms, president and chief investment officer at FreedomPlus. FreedomPlus offers loans with two- to five-year repayment terms. Its lowest rate is reserved for excellent-credit borrowers who get a loan for less than $12,000 and repay it over 24 months, according to the company's website. Fees:  Origination fee: 1.99% - 4.99%.Late fee: $15 or 5% of amount due, whichever is greater.Unsuccessful payment fee: $15. How to qualify: Minimum credit score of 620. Borrowers' average is 700. The company uses the FICO 8 credit scoring model.Debt-to-income ratio: Less than 40%, not including mortgage.
Insurent
Insurent
5.0
(1)
https://www.insurent.com/about/
Rate
With the Insurent Lease Guaranty Program, renters get the apartment they love, landlords reduce vacancies & eliminate rent loss, and brokers close more deals. Accepted at over 480,000 units across NY, NJ, MA, VA, MD, DC, IL, NV and CA
Consumers Federal Credit Union
Consumers Federal Credit Union
5.0
(1)
425 Neptune Ave, Brooklyn
Rate
Your good credit and signature is all it takes! Unsecured loans (a loan without using collateral) are designed to provide you with cash to use any way you wish, including debt consolidation. Low, fixed rates with flexible termsLoans amounts up to $40,000No pre-payment penaltyA quick approval process
Alliant
Alliant
5.0
(1)
https://www.alliantcreditunion.org/borrow/get-a-credit-union-personal-loan
Rate
As the eighth largest credit union in the United States, Alliant offers a full complement of banking services to its members, including personal loans. Alliant personal loans are great overall options for borrowers because of their flexible terms, low fees, and competitive borrowing rates. No origination fee or prepayment penaltiesVery competitive interest ratesWide range of borrowing termsEasy to become credit union member
Kabbage INC
Kabbage INC
5.0
(1)
1410 Broadway 16th floor, New York
Rate
Kabbage provides fast — though potentially expensive — business loans and is an option for business owners with bad personal credit. Kabbage is a good option for business owners who can’t get approved for a cheaper loan because of bad credit. To make an initial lending decision, determine your credit limit and set your fees, Kabbage primarily considers data from the accounts you link, your average monthly revenue and the number of years you’ve been in business. Kabbage’s annual percentage rates range from 24% to 99%, making its loans some of the most expensive on the market. Avoid using Kabbage to cover the costs of large equipment purchases or renovations; you’ll want to finance those with a long-term, lower-cost loan.
Oportun is an online and storefront lender that markets its loans to people with no credit history. The company says that its loans can be used for expenses like auto repairs and emergencies. And since Oportun reports payments to two of the three major consumer credit bureaus, its loans may help you build your credit history. Oportun also offers auto loans as well as financial coaching to help you meet your financial goals. You may get approved with no credit historyWhile applying for a personal loan with Oportun means the company will perform a hard credit inquiry — which can negatively affect your credit scores — you may still be approved without any credit history. This is an important benefit since it can be more difficult to get a loan if lenders aren’t able to see that you’ve borrowed money before and paid it back on time.
Fiona
Fiona
4.3
(3)
https://fiona.com
Rate
Fiona will review the information you submit to find a lender that may meet your needs. From here, you will submit a full application — and based on that, your lender will determine what you’re eligible for. The better your credit score and finances, the more likely you are to score a low rate or qualify for a larger loan amount.
Yes, you might be eligible for a Stilt personal loan if you hold one of the following visas: F-1 and OPT, H-1B, O-1, L-1, TN, J-1, or DACA. Loan amounts: $1,000 to $25,000Loan terms: Up to 3 years
Boro
Boro
4.5
(2)
https://www.getboro.com/
Rate
Boro offers personal loans to international college students on F-1, OPT, H-1B, J-1, L or O-1 visas.
LendingPoint
LendingPoint
4.5
(2)
1201 Roberts Blvd #200, Kennesaw
Rate
you might meet LendingPoint’s eligibility criteria if you can provide a US federal, state or local government-issued photo ID.
Upgrade
Upgrade
4.5
(2)
https://www.upgrade.com
Rate
Personal Loans up to $35,000
North Loop
North Loop
4.5
(2)
https://www.nolobank.com
Rate
North Loop is a global financial services platform for global citizens. We provide banking and investment services to those who live away from home. North Loop eliminates the hassle of setting up accounts in a new country, managing your finances in your home country and accessing credit and loans. We’ve removed all hidden fees, bringing radical transparency and fairness to global banking.
Credible
Credible
4.5
(2)
https://www.credible.com
Rate
Credible doesn’t charge a fee for its service. The lenders in its network fund loans between $1,000 to $100,000, and APR ranges anywhere from 4.99% to a high 35.99%. Terms vary widely, so the cost to borrow will depend on the lender you choose to go with.
Upstart
Upstart
4.5
(2)
https://www.upstart.com
Rate
Credit score of 580 or 600 depending on state of residence, not a resident of West Virginia or Iowa, regular source of income, valid bank account, US citizen or permanent resident, ages 18+ (19+ in Alabama and Nebraska), proof of identity, valid email address
LendingTree’s personal loan connection service is ideal for borrowers with good to excellent credit looking for the best deal available to them. You can compare offers from multiple lenders by filling out just one online form. Rates start low at just 3.99% — and amounts cap out at a hefty $50,000.
The rate, term and loan amount you get really depends on the lender on top of factors like your credit, income and current debts. Not all lenders will offer the lowest rate or highest loan amounts. And you generally need a credit score close to 850, enough room in your monthly income to comfortably afford repayments to get that 3.49% APR.
NetCredit
NetCredit
4.5
(2)
https://www.netcredit.com
Rate
NetCredit is ideal for borrowers with less-than-perfect credit who need to take out a larger loan than typical short-term lenders offer. You can borrow up to $10,500 with terms up to five years. And while its rates are high compared to traditional personal loan providers, they aren’t nearly as high as many short-term loan providers out there. But you’ll need to live in one of the states it operates in to qualify. And it has mixed online reviews from former borrowers. You can also find better rates elsewhere if you have good to excellent credit.
LightStream is ideal if you’re looking to take out a large loan, want a long loan term or need funds fast. It offers personal loans up to $100,000 at competitive rates — with loan terms as long as seven years. You also might be able to get your funds the same day you apply if you meet specific criteria. But you need to have good to excellent credit to qualify. And if you’re looking to borrow less than $5,000, you’ll have to look elsewhere. LightStream also doesn’t have a customer service phone number listed on its website, meaning you’ll have to reach out via an online form with any questions you might have.
Even
Even
4.5
(2)
https://evenfinancial.com
Rate
Even Financial is free to use. You won’t pay any fees to be connected with a lender.  The lenders in its network offer rates as low as 4.99% — and some go as high as 35.99%. There are also a wide range of loan amounts available, stretching from $1,000 to $100,000. But the actual APR and loan amount you’re eligible for will depend on the lender. Not every lender offers great options, so consider your offer carefully before finalizing your loan application.
Prosper
Prosper
4.5
(2)
https://www.prosper.com
Rate
Prosper personal loan rates range from 7.95% to 35.99%. This includes an origination fee of 2.41% to 5%, which Prosper deducts from your loan amount. You can borrow between $2,000 and $40,000 with terms of 3 or 5 years.
Lendbuzz
Lendbuzz
4.5
(2)
https://lendbuzz.com/
Rate
Lendbuzz provides auto loans for both American citizens and internationals (F1, J1, L1, H-1B, O1, and other visa holders) who don't have a SSN or have a thin credit file. There is a short video about Lendbuzz and building credit score in the U.S. Click here to watch it.
MPOWER Financing
MPOWER Financing
4.5
(2)
1101 Connecticut Ave NW #900, Washington
Rate
MPOWER Financing is a new kind of private lender that offers student loans for international students who are attending college in the U.S. The company doesn’t require cosigners, credit history, or collateral on their loans. Factors MPOWER considers to determine eligibility include what school the students will be attending, what their expected graduation date is, their grades, and an internship or work experience they have in their field. MPOWER also looks at future earnings, so it monitors whether the student is taking on too much debt. Fixed rates: 7.52% – 14.98%Rate reduction: Up to 1.50%Fees: 5.00% origination fee and a small fee for late or invalid payments
TheGuarantors Agency
TheGuarantors Agency
4.5
(2)
7 World Trade Center 46th floor, New York
Rate
TheGuarantors is a Fintech company providing innovative insurance products and financial solutions for residential and commercial real estate professionals as well as their residents and tenants.
Enjoy the following benefits of EastWest Bank Personal Loan: Multi-purpose – Versatile loan facility designed to suit your needs Young Adult – Buy or accessorize your car / buy gadgetsFamily Formation – Plan your wedding / fund your children's education / plan a vacationFamily Maturity – Celebrate special milestones / home improvement / pay-off billsRetirement – Settle your medical billsNo Co-maker, No Collateral Requirement – Cash solution for all your needs. Increase your financial flexibility through loanable amounts ranging from Php25,000 to Php2,000,000 (subject to our approval).Flexible Terms – Choose among our payment terms 12, 18, 24 and 36 months to make your installments very affordable.Competitive Interest Rates – Manage your cash flow and enjoy low interest rates. See table of Interest Rates below.Convenient and Fast Processing – Apply within the comfort of your home or office. In addition, get your loan proceeds via Manager's Check or credit to your EastWest Bank nominated account. Pick up at the Head office – The bank will release the loan proceeds by issuing a Manager's Check. The client is required to pick up the check from the head office of EastWest Bank. Delivery and Deposit to Account – A messenger will deliver the loan documents to the client's delivery address for sign-off and pick up the Post-Dated Checks. Requirements will be returned to the head office. If all requirements are complete, the loan proceeds will be deposited to the client's account.  *Delivery option is available for selected areas with a minimal delivery fee.