Oportun Personal Loan

Oportun is one of the few lenders that accepts ITIN and passport in lieu of SSN, with no minimum credit score — built for immigrants and newcomers with no US credit history.

Last checked on October 23, 2026. We may earn a commission when you click through.

✓ Accepts ITIN and passport — no SSN required ✓ No minimum credit score or credit history needed ✓ Loans as small as $300 for immediate needs

Oportun Personal Loan

Oportun

Updated 1 day ago

Check eligibility →

You'll be redirected to oportun.com

APR 35.95–35.99%

Amount $300 – $10,000

Term 12–48 mo

Decision 1-3 business days

Our Take

The most accessible entry point for immigrants without an SSN or credit history. Oportun accepts ITIN and passport identification with no minimum credit score requirement. The trade-off is a high APR (35.95-35.99%) and smaller loan amounts.

Best For

Recent immigrants with no SSN and no US credit history who need a small loan and want to start building credit

Requirements

SSN, ITIN, or passport accepted
No credit history required
No minimum credit score
Valid US address
Proof of income

About this option

Oportun is one of the few lenders that accepts ITIN and passport in lieu of SSN, with no minimum credit score — built for immigrants and newcomers with no US credit history.

Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.

Check eligibility →

You'll be redirected to oportun.com

Debt Consolidation