LendKoi is simple and convenient

No credit history required.

Congratulations!

You're qualified for multiple loan options

Fast, easy, and secure

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 1 business day, 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.

Get started

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 convenient solution

LendKoi serves professionals, expats, and immigrants 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)

Get credit with confidence

Achieve your financial goals faster

No collateral or cosigners required

No hard credit pull, no credit score required

Safe, secure, private

A woman browsing a laptop on top of a pile of boxes

A smarter way to borrow

Compare LendKoi's personal loan to a traditional credit card. Borrow more, pay lower rates, and access flexible funds.

TypeLendKoiPersonal LoanVSCredit Card
Amount$5,000$500
Average Interest Rate (APR)14.99%23.99%
Flexible FundsUse for any expenseLimited cash access

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.

Frequently asked questions

Still have questions? We're here to help