Guide & Insights
Access fair financial credit in the United States even if you are an international student, worker, or newcomer without an extensive US credit history.
Visa & Freelancer FriendlyStilt Inc.
Min Credit: No MinimumStilt Visa & Immigrant Loan
Designed specifically for H-1B, OPT, L-1 visa holders, and residents without an SSN.
APR Range7.99% ~ 35.99%
Max Loan Amount$35,000
Origination Fee0.00% - 5.00%
Funding Speed1-2 Business Days
Pros:
- ✓ Apply without an SSN
- ✓ Visa holders preferred
- ✓ No cosigner required
Cons:
- • Max limit capped at $35,000
International StudentMPower Financing
Min Credit: No MinimumMPower International Student Loan
No US credit score or US cosigner required for F-1, OPT, and H-1B visa holders.
APR Range9.99% ~ 15.99%
Max Loan Amount$100,000
Origination Fee5.00%
Funding Speed3-5 Business Days
Pros:
- ✓ No US cosigner or credit score needed
- ✓ Supports visa holders
- ✓ Career support included
Cons:
- • 5% Origination fee
Immigrant Friendly BankEast West Bank
Min Credit: 650+East West Bank Personal Line
Specialized bank accommodating immigrants and visa holders (H-1B, L-1) with cross-border income.
APR Range7.99% ~ 19.99%
Max Loan Amount$50,000
Origination Fee$0 (No Fee)
Funding Speed2-3 Business Days
Pros:
- ✓ Visa/immigrant underwriting friendly
- ✓ $0 Fees
- ✓ Multilingual support available
Cons:
- • Branch visit may be required
No Credit HistoryDeserve Inc.
Min Credit: No MinimumDeserve Financial Personal Loan
Specialized financing for students and H-1B visa workers with limited US credit history.
APR Range9.99% ~ 24.99%
Max Loan Amount$25,000
Origination Fee0.00% - 3.00%
Funding Speed1-2 Business Days
Pros:
- ✓ Evaluated without credit score
- ✓ Visa worker friendly
- ✓ Online document upload
Cons:
- • Capped at $25,000 max limit