LendKoi is simple and secure
Access fair, secure, and convenient financial solutions - no US credit history required.
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.
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 fair, secure, and accessible solution
LendKoi serves professionals, expats, and immigrants under:
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
H-4 visa (with EAD)
Access credit with confidence
Unlock faster financial flexibility, gain freedom
Safe, secure, private
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 |
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.