Most affordable loans for immigrants and expats
Get fair credit, receive up to $10,000
Check offers
U.S. citizens, visas, green cards, L-1, H1-B, O-1, E-1, E-2, E-3, TN, G-1, H-4
Applying is easy and won't impact credit score
$10,000.00
with an interest rate of 12.99% APR
No credit history required
Apply without credit history
No hard credit check
Zero impact on credit score to apply
Low rates, no hidden fees
24 hour decision*
Encrypted and secure
Safe and private
No credit history? No problem
Access fair credit with a reliable partner
More credit, flexible funds
Achieve financial goals faster
Quick application
Get a loan in 3 easy steps
1
Complete an application - It’s simple and fast
2
Receive a quick response from LendKoi
3
Get cash in your bank account in 1-3 days*
Check my rate
No impact on your credit score to check offers
Want to learn more? See how it works
Pay early with no extra fees
Repay sooner with no prepayment penalties
Enjoy easy repayment options
Enable AutoPay for peace of mind and lower rates
Resources from trusted partners
From banking to everyday essentials, these trusted businesses support your journey.
America Josh
Expat guide for moving to America
First Citizens Bank
Personal banking and deposits
CIT Bank
Term CDs up to 3.50% APY**. $1,000 minimum opening deposit.
Our past experience
We bring expertise to make the process better.
Goldman Sachs
JPMorgan Chase
Barclays
America Josh
Accenture
Ernst & Young
Baptist Health
Fortnight Digital
Jackson Health
Goldman Sachs
JPMorgan Chase
Barclays
America Josh
Accenture
Ernst & Young
Baptist Health
Fortnight Digital
Jackson Health
Goldman Sachs
JPMorgan Chase
Barclays
America Josh
Accenture
Ernst & Young
Baptist Health
Fortnight Digital
Jackson Health
Goldman Sachs
JPMorgan Chase
Barclays
America Josh
Accenture
Ernst & Young
Baptist Health
Fortnight Digital
Jackson Health
Goldman Sachs
JPMorgan Chase
Barclays
America Josh
Accenture
Ernst & Young
Baptist Health
Fortnight Digital
Jackson Health
Goldman Sachs
JPMorgan Chase
Barclays
America Josh
Accenture
Ernst & Young
Baptist Health
Fortnight Digital
Jackson Health
Goldman Sachs
JPMorgan Chase
Barclays
America Josh
Accenture
Ernst & Young
Baptist Health
Fortnight Digital
Jackson Health
Goldman Sachs
JPMorgan Chase
Barclays
America Josh
Accenture
Ernst & Young
Baptist Health
Fortnight Digital
Jackson Health
A smarter way to borrow
Compare LendKoi's personal loan to a traditional credit card. Borrow more, lower rates, 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 |
Our credit options
Flexible and fair solutions
Personal loans
We offer quick loans for immigrants and expats in the USA to help them build a strong financial future.
Apply now
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
$224
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.