If you do not have a Social Security Number (SSN) but have an Individual Taxpayer Identification Number (ITIN) you can also access financing in the United States. Here we analyze several financial institutions that allow you to obtain money loans with ITIN.

Compare loans with ITIN number


LoansAngel

LoansAngel

  • Amount: between $ 100 and $ 5,000
  • Term: between 1 days and 12 months
  • Extra: Interest rate between 4.99% and 450% APR
    Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
 Greenlightcash

Greenlightcash

  • Amount: between $ 100 and $ 5,000
  • Term: between 7 days and 12 months
  • Extra: Interest rate between 4.99% and 450% APR
    Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
FundsJoy

FundsJoy

  • Amount: between $ 200 and $ 5,000
  • Term: between 7 days and 12 months
  • Extra: Interest rate between 4.99% and 450% APR
    Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
MaximusMoney

MaximusMoney

  • Amount: between $ 200 and $ 5,000
  • Term: between 1 days and 12 months
  • Extra: Interest rate between 4.99% and 450% APR
    Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
LoanSolo

LoanSolo

  • Amount: between $ 200 and $ 5,000
  • Term: between 14 days and 24 months
  • Extra: Interest rate between 4.99% and 450% APR
    Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
24/7 Credit Now

24/7 Credit Now

  • Amount: between $ 1,000 and $ 35,000
  • Term: between 6 months and 72 months
  • Extra: Interest rate from 5.99% to 35.99% APR - 216 E 4th St, Austin, TX 78701
Opploans

Opploans

  • Amount: between $ 500 and $ 4,000
  • Term: between 30 days and 24 months
  • Extra: Interest rate between 59% and 160% APR
    Address: 130 E Randolph St - Suite 3400 - Chicago, IL 60601
Bad Credit Loans

Bad Credit Loans

  • Amount: between $ 500 and $ 10,000
  • Term: between 3 months and 36 months
  • Extra: Interest rates between 5.99% and 35.99% APR
    Address: Chief LLC, 2661 N Pearl St #431 - Tacoma, WA 98407
U.S. Bank Auto Loan

U.S. Bank Auto Loan

  • Amount: between $ 5,000 and $ 100,000
  • Term: between 1 year and 5 years
  • Interest: 7.76%
  • APR: 7.76%
Grupo Estrella Cash

Grupo Estrella Cash

  • Amount: between $ 300 and $ 5,000
  • Term: between 14 days and 12 months
  • Extra: Consult with the entity the interest rate and the APR
    Address: 2929 Floyd Street, Burbank 91504 CA

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Living in the United States as a non-legalized immigrant or without permanent residency can be complicated. Even so, the government gives citizens who do not have Social Security Number (SSN) the opportunity to get financing.

This is where the Individual Taxpayer Identification Number (ITIN) comes in, whose dynamics we will see below and with which you can get money loans without Social Security.

What is the ITIN?

The Individual Taxpayer Identification Number is a unique 9-digit code that identifies you as a taxpayer. Although it only functions as another form of personal identification, it is not intended to replace other IDs. If you do not have a SSN, you need an ITIN to file your tax returns.

Loans with ITIN number

The IRS is the agency in charge of issuing these personalized codes to those who are eligible and need them to contribute to the national tax system. If you do not file tax returns for 3 consecutive years, your ITIN expires.

Since it also serves as identification, some financial institutions accept it as a substitute for the SSN.

What are Loans with ITIN number?

In essence, an ITIN loan can be accessed by entrepreneurs, business owners and business owners who do not have an SSN or do not have the requirements to get one. To obtain this type of financing, you must comply with three basic aspects:

  • Possess the ITIN that identifies you as a taxpayer before the IRS.
  • Have your own business under the provisions associated with corporations. This implies having at least a DBA (fictitious filing name or Do Business As) so that you have the proper protections and generate more confidence in the lender who will review your application.
  • Have a business bank account, which is necessary for any type of credit. Within the evaluation to get approval, the management of your income is a crucial detail.

How to get a personal loan with ITIN?

Just because you don't have legal immigration status doesn't mean you can finance your business even if you don't have access to a SSN. Although the options are limited, the ITIN gives you the possibility to get a personal loan.

If you don't have one yet, get your ITIN.

To obtain this unique taxpayer code, you will need to:

Fill out a W-7 form
Available in several languages. 
Provide an identification document  Such as your driver's license or passport. This must be accompanied by a completed tax return
Send your application  By mail, by visiting an IRS office or by going to a qualified agent for processing. These agents are usually financial institutions, accounting firms or universities. After about 6 weeks you will receive a letter from the IRS with your ITIN. 

Register your business

The next step is to register your business with a DBA, which is nothing more than the brand that will identify you to people. This is what will allow you to do business under a name other than your own and shows any financial institution that you have a business that operates legally in the USA.

Although this process varies depending on the state where you reside, this paperwork is usually done at the county clerk's office or the local government office. They will explain the process to you and will tell you the following:

  • The DBA name cannot end in Corp, Inc, or LLC because that gives the impression that you own a corporation.
  • You should check to see if other local businesses have the same name as you, as some states do not allow duplicate names.
  • You also need to check online databases to see if the name you chose is being used by someone else.
  • Depending on the state, you will have to pay some fees related to the process, ranging from $10 to $100.
  • In some cases, state authorities will ask you to notify them if you are still using the same trademark.

Open a business bank account

The last step is to open a business account with your bank of choice. To do this, you will need to provide your personal information to confirm your name and place of birth. You must have these documents at hand:

  • Valid passport
  • Consular identification
  • Birth certificate or birth certificate
  • Government issued driver's license (including that of another country).

This is followed by verification of your current address. For this you only need a utility bill, rental agreement or your license.

Then you will be asked for an identification number, which can be:

  • ITIN
  • Social Security Number
  • Foreign Identification Number
  • Any other government document that proves your nationality or residency.

Finally, you will be asked for business-related documents. Depending on the entity, you may be asked for a business license, EIN (Employer Identification Number) and property contract.

Apply for your ITIN loan

Once you have completed the above steps, you can go to one of the lenders that accept applications without social security. Above we have selected some lenders that offer ITIN loans, but there are many more, depending on the state in which you reside.

When applying for an ITIN loan, in addition to this document, you will need to provide other documents, such as bank statements, receipts or other paperwork, depending on the lender you are applying with.

Español: Préstamos personales con ITIN number