Quick loans for immigrants and expats in the USA
Access credit, secure up to $10,000.
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Visas and green cards eligible, including H1-B, L-1, O-1, E-Visas, TN and more
Checking is free and won't impact your credit score
$5,000.00
with an interest rate of 12.99% APR
No credit history needed
Apply even without a credit history
Fast and affordable
Low rates, easy payments, fast funds, no prepayment fees
Risk free offer check
Check your rate with no impact on your credit score
No collateral, no cosigner
Get approved without needing extra guarantees or cosigners
No credit history? No problem
Access credit with a reliable partner, LendKoi
Accelerate your journey with a LendKoi loan
Save time - access financial and living opportunities faster
We look beyond credit scores
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No impact on your credit score to check offers
Access credit with confidence
Unlock faster financial flexibility, gain freedom
Safe, secure, private
Apply now
No impact on your credit score to check offers
Boost your journey, empower the future
Save time toward your goals with a strategic solution.
Fast, flexible funds
Larger amounts
Lower rates
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No impact on your credit score to check offers
Pay early with no extra fees
Repay your loan sooner when you're ready - no prepayment penalties.
Enjoy easy and transparent repayment options
Enable autopay for peace of mind and lower rates
Get started
Checking is free and won't impact credit score
Get a loan in 3 easy steps
1
Check offers quickly with no impact to credit score
2
Verify details and receive a quick response
3
Receive funds as soon as the next business day
Apply now
No impact on your credit score to check offers
Want to learn more about the process? See how it works
A smarter way to borrow
Compare LendKoi's personal loan to a traditional credit card. Borrow more, pay lower interest rates, and access flexible funds.
| Type |  Personal Loan | VS | Credit Card |
|---|---|---|---|
| Amount | $5,000 | $500 | |
| Average Interest Rate (APR) | 14.99% | 23.99% | |
| Flexible Funds | Use for any expense | Limited cash access |
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Checking is free and won't impact your credit score
Estimate your payments
Use our loan calculator to see estimated monthly payments. Adjust the loan amount, term, and rates.
If you borrow $5,000.00, you'll pay
$223.60
per month
for
24 months
at
12.00% APR
Actual loan terms and rates vary based on eligibility.
Final rates will be confirmed upon approval.
Final rates will be confirmed upon approval.
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Checking is free and won't impact credit score