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.

✓ Accepts ITIN and passport — no SSN required ✓ No minimum credit score or credit history needed ✓ Loans as small as $300 for immediate needs

Oportun Reviewed

Oportun Personal Loan

Updated 1 month ago

APR Range

35.95–35.99%

Amount

$300–$10k

Term

12–48 months

Type

personal

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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

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.