To be eligible for personal loans for non-U.S. citizens of 2025 can be challenging for anyone. However, non-U.S. citizens may face more challenges. Since many lenders have strict qualifying standards, non-U.S. nationals have limited access to affordable personal loans in 2025. If obtaining a personal loan is out of your reach, consider less expensive options.
Being a non-U.S. citizen does not prevent you from getting a personal loan, but it may have greater limitations on where and the amount you can borrow. It’s not always necessary to have a Social Security number, as some lenders will accept an ITIN in place of the Social Security number. Therefore, individuals without a Social Security number or US citizenship can apply for personal loans.
Best personal loans for non-U.S. citizens of 2025
Comparing personal loan offers from multiple lenders is essential before choosing one. You can find the ideal loan for your requirements in this way. Therefore, we have compiled a list of reputable partner lenders that provide personal loans to non-U.S. citizens in 2025 that might help you determine the right one:
Best Egg
Best Egg is a reliable lender with competitive rates, reasonable loan terms, and personal loans for fair credit. Borrowers must have a FICO score of 600 or higher to qualify, with APRs ranging from 0.99% to 9.99%, including interest rate and origination fees. Loan amounts range from $2,000 to $50,000, and fees include origination, late, unsuccessful payment, and check processing fees. Furthermore, eligibility is available in all states except DC, IA, VT, and WV, and minimum income is zero. Customer service is available via phone and email, and can get funds within 1 to 3 business days after successful verification.
SoFi
SoFi offers competitive personal loans with no fees, large loan amounts, extended terms, autopay and direct pay discounts, and same-day funding. With features like live chat and a simple prequalification process, convenience is a priority. However, applicants must meet SoFi’s loan eligibility requirements, which can be difficult for people with bad credit.
Secured personal loans and cosigners are not permitted. The costs include loan amounts ranging from $5,000 to $100,000, repayment periods of two to seven years, and origination fees in exchange for a lower interest rate. All states are eligible, and live chat, email, and phone support are provided by the customer care team. After approval and bank account verification, you usually get funds in a matter of days.
Discover
On its website, Discover Personal Loans provides low annual percentage rates (APRs), seven-year repayment terms, no origination fees, nationwide availability, and no prequalification requirements. Additionally, a FICO score of 660 or above and an annual income of at least $40,000 are prerequisites for eligibility. After a loan is approved, funds may be accessible as soon as the following business day. Uses for loans include major purchases, home remodeling, credit card refinancing, auto repair, medical costs, taxes, weddings, and vacations. Furthermore, cosigners with fair or subpar credit scores are not accepted by Discover.
Credible
Credible provides a personal loan solution to non-citizens of the United States. It’s an online marketplace to compare prequalified rates from different lenders with a single application. Non-U.S. citizens in 2025 who meet different eligibility and documentation requirements than U.S. citizens benefit from this. Credible accepts a variety of borrower profiles from non-citizens of the United States, including those with various immigration statuses. Certain lenders in Credible’s network may accept a variety of documentation. This may include Individual Taxpayer Identification Numbers (ITINs) in addition to or instead of Social Security numbers, though the exact requirements vary by lender.
LendingPoint
LendingPoint is an Atlanta-based online lender that provides personal loans to applicants in all 48 states as well as Washington, D.C. Georgia loans offer loans between $1,000 and $36,500, with a minimum of $3,500, with repayment terms ranging from two to six years, or 24 to 72 months. However, high maximum APRs and origination fees are two major drawbacks of LendingPoint that can be circumvented by keeping a high credit score. In addition, the lender offers no prepayment penalties, minimal credit score requirements, and origination fees that can reach 10% in certain states. Eligibility for the program requires a minimum credit score of 600 and a yearly income of $35,000.
Upgrade
Upgrade is a well-known lender that provides nationwide availability, same-day funding, competitive interest rates, discounts for autopay and direct pay, and repayment terms of up to seven years. Fair-credit borrowers can apply for it, and prequalification with a Social Security number is not necessary. Upgrade also provides secured loans for individuals. However, it has origination fees ranging from 1.85% to 9.99%, a minimum annual income of $25,000, and a minimum FICO score of 600.
LightStream
LightStream, a dependable partner lender, offers loans up to $100,000 for major purchases like weddings and home renovations. Applying for a loan can result in funds being available the same day, and there is a 20-year repayment period for loans such as home improvement, RV, and boat loans. Lightstream offers low rates, with its lowest annual percentage rate (APR) being 1 percentage point lower than SoFi’s claimed lowest APR. However, good credit is required to qualify. Unlike some lenders, Lightstream does not offer a phone number or permit prequalification on their website. All states are eligible, with the exception of RI and VT.
Final Thought
Even though non-U.S. citizens in 2025 may have fewer loan options, it’s still crucial to shop around and compare as many lenders as you can to find the best personal loans for you. Make sure to consider the lender’s fees, interest rates, and repayment terms in addition to the residency requirements.
