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 September 4, 2026. We may earn a commission when you click through.
Oportun Personal Loan
Updated 1 month agoAPR Range
35.95–35.99%
Amount
$300–$10k
Term
12–48 months
Type
personal
You'll be redirected to oportun.com
Our Verdict
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.
Best For
Recent immigrants with no SSN and no US credit history who need a small loan and want to start building credit
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
Cons
- 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
About This Loan
Requirements
- SSN, ITIN, or passport accepted
- No credit history required
- No minimum credit score
- Valid US address
- Proof of income
Similar options
APR
6.3–35.99%
Amount
$1k–$75k
Term
36–60mo
Best for: Educated immigrants with professional employment but thin US credit history who can benefit from non-traditional underwriting
APR
8.74–11.74%
Amount
$1k–$100k
Term
12–60mo
Best for: Immigrants with ITIN who want predictable, low-cost borrowing from a credit union with open membership
LendingClub Debt Consolidation Loan
ConsolidationAPR
5.96–35.99%
Amount
$1k–$40k
Term
24–60mo
Best for: Best for borrowers with a credit score of at least 600 seeking fast approval and funding.
APR
6.25–35.99%
Amount
$5k–$50k
Term
24–60mo
Best for: This service is best for individuals with good credit looking to consolidate debt with fixed-rate personal loans ranging from $5,000 to $50,000.
APR
6.74–25.99%
Amount
$3k–$100k
Term
12–84mo
Best for: Existing Wells Fargo customers who have an ITIN and at least fair credit
APR
7.99–35.99%
Amount
$1k–$36.5k
Term
24–72mo
Best for: Immigrants with SSN and work authorization but limited US credit history