Oportun Personal Loan
Oportun
Expert VerdictThe 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 | Cons |
|---|---|
| Accepts ITIN and passport — no SSN required | Very high APR (35.95-35.99%) |
| No minimum credit score or credit history needed | 10% origination fee |
| Loans as small as $300 for immediate needs | Maximum loan amount only $10,000 |
| Reports to credit bureaus to help build credit | Available in select states only |
| Secured personal loan option available with car title | Expensive compared to alternatives for those who qualify |
Honest take
The rates are high — there's no sugarcoating that. But if you have no SSN, no credit score, and need a loan, Oportun is one of the very few places that will actually consider you. Use it to build credit, then graduate to a better lender.
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.
