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 September 4, 2026. We may earn a commission when you click through.

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✓ Accepts ITIN and passport — no SSN required ✓ No minimum credit score or credit history needed ✓ Loans as small as $300 for immediate needs
Representative APR Amount Term Type
35.95–35.99% $300–$10k 12–48 mo personal
Best For

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

Pros & Cons

Pros
  1. ✓ Accepts ITIN and passport — no SSN required
  2. ✓ No minimum credit score or credit history needed
  3. ✓ Loans as small as $300 for immediate needs
  4. ✓ Reports to credit bureaus to help build credit
  5. ✓ Secured personal loan option available with car title
Cons
  1. ✗ Very high APR (35.95-35.99%)
  2. ✗ 10% origination fee
  3. ✗ Maximum loan amount only $10,000
  4. ✗ Available in select states only
  5. ✗ Expensive compared to alternatives for those who qualify

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