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 October 23, 2026. We may earn a commission when you click through.
Oportun Personal Loan
Updated 6 days ago| APR | Amount | Term |
|---|---|---|
| 35.95–35.99% | $300–$10,000 | 12–48 mo |
Requirements
SSN, ITIN, or passport accepted
No credit history required
No minimum credit score
Decision
1-3 business daysOur 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
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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.
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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