{"id":133,"date":"2026-05-15T14:51:11","date_gmt":"2026-05-15T18:51:11","guid":{"rendered":"https:\/\/www.us.eloanex.com\/personal-loans-for-itin-holders-2026-who-approves-without-ssn\/"},"modified":"2026-05-15T14:51:11","modified_gmt":"2026-05-15T18:51:11","slug":"personal-loans-for-itin-holders-2026-who-approves-without-ssn","status":"publish","type":"post","link":"https:\/\/www.us.eloanex.com\/es\/personal-loans-for-itin-holders-2026-who-approves-without-ssn\/","title":{"rendered":"Personal Loans for ITIN Holders 2026: Who Approves Without SSN"},"content":{"rendered":"

Personal Loans for ITIN Holders in 2026: Who Approves Without SSN?<\/h2>\n

Getting a personal loan without an SSN is harder than a credit card \u2014 but not impossible. Several lenders now work with ITIN holders, especially those who have established some credit history. Here’s what’s available.<\/p>\n

Lenders That Accept ITIN<\/h2>\n
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\ud83d\udcb0 Stilt<\/h3>\n
\n
Loan Amount:<\/strong> $1,000 – $35,000<\/div>\n
APR:<\/strong> 7.99% – 17.99%<\/div>\n
Requirements:<\/strong> ITIN + bank account + income proof<\/div>\n
Min Credit Score:<\/strong> No minimum (uses alternative data)<\/div>\n<\/div>\n

Why it’s great:<\/strong> Specifically designed for immigrants. Uses income and education as primary factors, not just credit score. No SSN required. Fast funding (1-2 business days).<\/p>\n<\/div>\n

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\ud83d\udcb0 Oportun<\/h3>\n
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Loan Amount:<\/strong> $300 – $12,000<\/div>\n
APR:<\/strong> 19.9% – 35.9%<\/div>\n
Requirements:<\/strong> ITIN + bank account + income<\/div>\n
Min Credit Score:<\/strong> None required<\/div>\n<\/div>\n

Why it’s great:<\/strong> No credit history needed. Accepts ITIN. Reports to credit bureaus (builds your credit). Bilingual customer service in Spanish. Available in 12 states.<\/p>\n<\/div>\n

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\ud83d\udcb0 Lending Circle (Mission Asset Fund)<\/h3>\n
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Loan Amount:<\/strong> $300 – $2,500<\/div>\n
APR:<\/strong> 0% (social lending)<\/div>\n
Requirements:<\/strong> ITIN + bank account<\/div>\n
Min Credit Score:<\/strong> None<\/div>\n<\/div>\n

Why it’s great:<\/strong> Zero interest social lending circles. You join a group, everyone contributes monthly, and you receive the pool on your turn. All payments reported to credit bureaus. Completely free.<\/p>\n<\/div>\n

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\ud83d\udcb0 Self (Credit Builder Loan)<\/h3>\n
\n
Loan Amount:<\/strong> $520 – $3,600<\/div>\n
APR:<\/strong> 15.92% – 15.97%<\/div>\n
Requirements:<\/strong> ITIN + bank account<\/div>\n
Min Credit Score:<\/strong> None<\/div>\n<\/div>\n

Why it’s great:<\/strong> Not a traditional loan \u2014 you make payments into a savings account, and the money is yours at the end. Every payment builds credit. No credit check. Works with ITIN.<\/p>\n<\/div>\n

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\ud83d\udcb0 World Finance<\/h3>\n
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Loan Amount:<\/strong> $390 – $10,000<\/div>\n
APR:<\/strong> Varies by state (higher rates)<\/div>\n
Requirements:<\/strong> ITIN + proof of income + references<\/div>\n
Min Credit Score:<\/strong> None<\/div>\n<\/div>\n

Why it’s great:<\/strong> In-person lender with 1,200+ branches. Works with ITIN holders. Relationship-based lending \u2014 they consider your whole situation, not just a score.<\/p>\n<\/div>\n

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\ud83d\udcb0 Wells Fargo Personal Loan<\/h3>\n
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Loan Amount:<\/strong> $3,000 – $100,000<\/div>\n
APR:<\/strong> 8.49% – 19.99%<\/div>\n
Requirements:<\/strong> ITIN + existing WF account + credit history<\/div>\n
Min Credit Score:<\/strong> 660+<\/div>\n<\/div>\n

Why it’s great:<\/strong> Best rates for ITIN holders who have built credit (12+ months of history). Existing Wells Fargo customers with good standing get preferential treatment.<\/p>\n<\/div>\n

Comparison Table<\/h2>\n\n\n\n\n\n\n\n\n
Lender<\/th>\nAmount<\/th>\nAPR<\/th>\nCredit Needed<\/th>\nBest For<\/th>\n<\/tr>\n
Stilt<\/td>\n$1K-$35K<\/td>\n7.99-17.99%<\/td>\nNone (alt data)<\/td>\nLarger loans, best rates<\/td>\n<\/tr>\n
Oportun<\/td>\n$300-$12K<\/td>\n19.9-35.9%<\/td>\nNone<\/td>\nNo credit history at all<\/td>\n<\/tr>\n
Lending Circle<\/td>\n$300-$2.5K<\/td>\n0%<\/td>\nNone<\/td>\nBuilding credit for free<\/td>\n<\/tr>\n
Self<\/td>\n$520-$3.6K<\/td>\n~15.9%<\/td>\nNone<\/td>\nSaving + building credit<\/td>\n<\/tr>\n
World Finance<\/td>\n$390-$10K<\/td>\nVaries<\/td>\nNone<\/td>\nIn-person, relationship<\/td>\n<\/tr>\n
Wells Fargo<\/td>\n$3K-$100K<\/td>\n8.49-19.99%<\/td>\n660+<\/td>\nEstablished ITIN holders<\/td>\n<\/tr>\n<\/table>\n

Requirements for ITIN Loans<\/h2>\n

Most lenders accepting ITIN will require:<\/p>\n