Stilt personal loans: 2024 Review

Earnest partnered with Fiona, a lender matching platform, so borrowers have a greater chance of getting approved for a loan. Fiona matches borrowers to lenders they qualify with after filling out a single application.

Although the lenders have differing qualification requirements, noncitizen permanent residents may have an increased chance of approval through Fiona’s marketplace model. Keep in mind that each loan comes with financial and credit requirements, so those who don’t meet the criteria or want to score a better rate do have the option of applying with a qualifying co-signer.

Upgrade’s minimum requirements are more flexible when compared to most personal loan lenders, making its products accessible to noncitizen residents. While this is a unique perk, the company does charge a high maximum APR for those with bad credit and carries an origination fee, which can detract from the overall value of your loan. However, it does allow joint applications, which could help you score a more competitive rate.

Nonpermanent residents living in the U.S. on a valid visa are eligible for an Upgrade personal loan. Applicants must also be at least 18 years old, have a valid email address and a verifiable bank account.

SoFi offers personal loans to noncitizens as long as they meet the eligibility requirements. Permanent residents, visa holders and DACA recipients are all welcome to apply. However, nonpermanent, undocumented persons — including asylum seekers — and DACA recipients are required to apply with valid documentation showing current immigration status.

While the lender does offer some of the most competitive rates on the market, it requires that borrowers, or their co-borrower, have a solid credit score and make a steady income — or have an offer of employment starting within 90 days — to get approved.