Credit for immigrants, up to $10,000
Welcome to LendKoi, the financial platform purpose-built for immigrants and people new to U.S. credit
Check my rate — no impact on your credit score
U.S. citizens, work visa, and green card holders welcome to apply: L-1, H1-B, O-1, E-1, E-2, E-3, TN, G-1, H-4
No U.S. credit score required
Competitive rates, fair terms
Fast, simple application
Encrypted and secure
Build your credit profile
No credit history? No problem
Access fair credit with a reliable partner
Higher limits
Lower interest rates
Build credit faster
Fixed monthly payments
Flexible funds
No credit score required to apply
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 3.75% APY**. $1,000 minimum opening deposit.
Built by a team with experience from:
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 nowEstimate 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.