LendKoi is simple and secure
Access fair, secure, and convenient financial solutions - no US credit history required.
Check my rate
Checking is free and won't impact your credit score
Congratulations!
You're qualified for multiple loan options
Fast, simple and secure
Borrow with confidence! Quick approval, easy repayment, and no surprises.
Step 1: Check your rate
Quick form, instant results
Fill out a short, secure form to see your loan options. Checking your rate won't impact your credit score.
Step 2: Get approved & receive funds
Fast decisions, money in your account
Get a decision within 24 hours, with funds deposited in 1-3 business days once approved.
Step 3: Make easy payments
Autopay in seconds, no hidden fees
Set up autopay for convenience and peace of mind. You can pay off your loan early with no penalties.
Check my rate
No impact on your credit score to check offers
Who can apply?
LendKoi helps borrowers who:
Are new to the U.S.
Have limited or no U.S. credit history
Need a fair, secure, and accessible solution
LendKoi serves expats, immigrants, and professionals under:
US Citizen
E-1, E-2, E-3 (Treaty Traders, Investors, AUS Specialty)
H-1B (Specialty Occupations)
G-1 (International Organization Workers)
L-1 (Intracompany Transfers)
Green cards and Gold cards
O-1 (Extraordinary Ability)
J-1 (Exchange Visitor)
TN (NAFTA Professionals)
Newcomers with zero US credit history
Access credit with confidence
Unlock faster financial flexibility, gain freedom
Safe, secure, private
Apply now
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 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 |
Check offers
Checking is free and won't impact your credit score
Get started with LendKoi today
See what loan options are available with no impact on your credit score
Your application is secure. Checking your rate won't impact your credit score.