Are you eligible for a LendKoi loan?
We help if you're new to credit, have no credit history, little or limited credit history, no credit score, or are unscorable.
Check your eligibility
Some requirements to help you get started. To check eligibility, rates, and terms, apply now.
📍Location
You must be physically present in the U.S. when applying
LendKoi loans are currently available in New York, New Jersey, and Florida only
Valid U.S. Visa, Green Card, or Legal Status
You must have a valid visa, green card, or legal status
You must be authorized to work in the U.S
Immigration status must not expire within the next 12 months
LendKoi currently supports applicants with the following statuses:
- US Citizen
- E-1 visa, E-2 visa
- Green card
- E-3 visa
- Gold card
- H1-B visa
- L-1 visa
- O-1 visa
- TN visa
- G-1 visa
- H-4 visa (with EAD)
🪪Social Security Number (SSN)
A valid Social Security Number (SSN) is required
🧾Income
A recent paystub may be required
🏦U.S. Bank Account
Your bank account must be with a U.S. bank or credit union
You must be the primary account holder
📞U.S. Phone Number
Must be a U.S. phone number from a U.S. mobile carrier
Google Voice, VoIP, business, or school numbers are not permitted
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 |
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