OneMain Financial Personal Loan
OneMain Financial
Expert VerdictLarger loan amounts than most ITIN-friendly lenders, with APR starting at 11.99%. In-branch application may be required for ITIN holders, but the 1,300+ branch network makes it accessible.
Best for
Immigrants needing larger loan amounts ($5,000+) who can visit a branch in person
| Pros | Cons |
|---|---|
| Accepts ITIN via in-branch application | In-branch visit typically required for ITIN applicants |
| Loan amounts up to $30,000 | Origination fee may apply |
| APR starts at 11.99% for qualified borrowers | Higher APR end at 35.99% |
| 1,300+ branches nationwide | |
| Secured loan option for better rates |
Honest take
OneMain is a solid option for ITIN holders who need more than the $10K cap most immigrant-friendly lenders offer. The branch requirement is inconvenient but means a real person reviews your application — which can work in your favor if your income is strong but your credit file is thin.
Personal loans from $1,500 to $30,000 with ITIN acceptance via in-branch application. Offers both secured and unsecured options.
