Pros
- ✓Accepts ITIN and passport — no SSN required
- ✓No minimum credit score or credit history needed
- ✓Loans as small as $300 for immediate needs
- ✓Reports to credit bureaus to help build credit
- ✓Secured personal loan option available with car title
Oportun Personal Loan
Oportun is one of the few lenders that accepts ITIN and passport in lieu of SSN, with no minimum credit score — built for immigrants and newcomers with no US credit history.
Last checked on October 23, 2026. We may earn a commission when you click through.
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✓ Accepts ITIN and passport — no SSN required
✓ No minimum credit score or credit history needed
✓ Loans as small as $300 for immediate needs
Offer review
Oportun Personal Loan
Oportun
Our take
The most accessible entry point for immigrants without an SSN or credit history. Oportun accepts ITIN and passport identification with no minimum credit score requirement. The trade-off is a high APR (35.95-35.99%) and smaller loan amounts.
How this offer works
Oportun is one of the few lenders that accepts ITIN and passport in lieu of SSN, with no minimum credit score — built for immigrants and newcomers with no US credit history.
Trade-offs
- –Very high APR (35.95-35.99%)
- –10% origination fee
- –Maximum loan amount only $10,000
- –Available in select states only
- –Expensive compared to alternatives for those who qualify
Best for
Recent immigrants with no SSN and no US credit history who need a small loan and want to start building credit
Honest take
The rates are high — there's no sugarcoating that. But if you have no SSN, no credit score, and need a loan, Oportun is one of the very few places that will actually consider you. Use it to build credit, then graduate to a better lender.
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From APR
8.99–17.99%
Amount range
$500–$25k
Decision window
Shown on full review
Term
—
Best next step
Open the full review before applying
Before you continue
Check:
Requirements and eligibility notes are summarized on the full review page.
Compare fees, tenor, and lender fit before you move to the provider.
Review offer
From APR
9.116–29.99%
Amount range
$2k–$45k
Decision window
Same day funding
Term
36–60mo
Best next step
Open the full review before applying
Before you continue
Check:
SSN required
Check:
US address
Check:
Minimum 640 credit score
Compare fees, tenor, and lender fit before you move to the provider.
Review offer
From APR
6.53–35.99%
Amount range
$1k–$40k
Decision window
24 hours
Term
24–60mo
Best next step
Open the full review before applying
Before you continue
Check:
SSN required
Check:
Joint/co-borrower applications available
Check:
Permanent residents eligible
Compare fees, tenor, and lender fit before you move to the provider.
Review offer
From APR
5.96–35.99%
Amount range
$1k–$40k
Decision window
Approved in as little as 1 hour, funded next business day
Term
24–60mo
Best next step
Open the full review before applying
Before you continue
Check:
Minimum credit score 600
Check:
US citizen or permanent resident
Check:
Verifiable income
Compare fees, tenor, and lender fit before you move to the provider.
Review offer
From APR
5.99–24.99%
Amount range
$5k–$40k
Decision window
2-4 business days
Term
24–60mo
Best next step
Open the full review before applying
Before you continue
Check:
SSN required
Check:
Minimum 640 credit score
Check:
Minimum $2,000 in credit card debt
Compare fees, tenor, and lender fit before you move to the provider.
Review offer
From APR
7.74–35.99%
Amount range
$1k–$75k
Decision window
1 business day
Term
24–84mo
Best next step
Open the full review before applying
Before you continue
Check:
SSN, passport, or valid visa
Check:
Permanent residents or visa holders
Check:
Minimum 580 credit score
Compare fees, tenor, and lender fit before you move to the provider.
Review offerFrom APR
8.99–17.99%
Amount range
$500–$25k
Decision window
Shown on full review
Term
—
Best next step
Open the full review before applying
Before you continue
Check:
Requirements and eligibility notes are summarized on the full review page.
Compare fees, tenor, and lender fit before you move to the provider.
Review offer
From APR
9.116–29.99%
Amount range
$2k–$45k
Decision window
Same day funding
Term
36–60mo
Best next step
Open the full review before applying
Before you continue
Check:
SSN required
Check:
US address
Check:
Minimum 640 credit score
Compare fees, tenor, and lender fit before you move to the provider.
Review offer
From APR
6.53–35.99%
Amount range
$1k–$40k
Decision window
24 hours
Term
24–60mo
Best next step
Open the full review before applying
Before you continue
Check:
SSN required
Check:
Joint/co-borrower applications available
Check:
Permanent residents eligible
Compare fees, tenor, and lender fit before you move to the provider.
Review offer
From APR
5.96–35.99%
Amount range
$1k–$40k
Decision window
Approved in as little as 1 hour, funded next business day
Term
24–60mo
Best next step
Open the full review before applying
Before you continue
Check:
Minimum credit score 600
Check:
US citizen or permanent resident
Check:
Verifiable income
Compare fees, tenor, and lender fit before you move to the provider.
Review offer
From APR
5.99–24.99%
Amount range
$5k–$40k
Decision window
2-4 business days
Term
24–60mo
Best next step
Open the full review before applying
Before you continue
Check:
SSN required
Check:
Minimum 640 credit score
Check:
Minimum $2,000 in credit card debt
Compare fees, tenor, and lender fit before you move to the provider.
Review offer
From APR
7.74–35.99%
Amount range
$1k–$75k
Decision window
1 business day
Term
24–84mo
Best next step
Open the full review before applying
Before you continue
Check:
SSN, passport, or valid visa
Check:
Permanent residents or visa holders
Check:
Minimum 580 credit score
Compare fees, tenor, and lender fit before you move to the provider.
Review offer