Fast and affordable loans for immigrants and expats
Get fair credit, receive up to $10,000.
Check offers
U.S. citizens, visas, green cards, gold cards, including L-1, H1-B, O-1, E-1, E-2, E-3, TN, G-1, H-4
Checking is easy and won't impact credit score
$5,000.00
with an interest rate of 12.99% APR
No credit score required
Apply if new to credit, have limited credit or no score
No hard credit check
Zero impact on your credit score to apply
Low rates, no hidden fees
24 hour* decision, low rates, no hidden fees
Encrypted and secure
We take protecting your information seriously
No credit history? No problem
Access fair credit with a reliable partner, LendKoi
More credit, flexible, transparent
Achieve financial goals faster
Quick application
Get credit with confidence
No hard inquiry, no collateral, no cosigners
Safe, secure, private
Based in the USA
Get started
No impact on your credit score to check offers
A smarter way to borrow
Compare LendKoi's personal loan to a traditional credit card. Borrow more, pay lower 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 |
Boost your journey
An effective option
Larger amounts
Low rates, no hidden fees
Flexible credit
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
Get a loan in 3 easy steps
1
Complete your application - it's fast and easy
2
Receive a quick response from LendKoi
3
Get cash in your bank account as soon as the next business day*
Check my rate
No impact on your credit score to check offers
Want to learn more about the process? See how it works
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.