Can non-U.S. citizens get a personal loan?

Green card holders (lawful permanent residents): Full access to all personal loan products. SSN is available, credit history may already be established. Underwriting is identical to U.S. citizens.

Work-visa holders (H-1B, L-1, O-1, TN, etc.): Must have a valid SSN to access mainstream credit. Most mainstream online lenders accept these applications without explicitly asking about visa status. Some lenders check 'time remaining on visa' vs. loan term for longer-term loans. FICO scores must exist (usually requiring 6+ months of credit activity in the U.S.).

F-1 and other student visas: Fewer options. No work authorization often means no income, which is the primary qualification barrier. Co-signer options are most practical for student visa holders who lack income.

ITIN holders: A smaller set of lenders (CDFIs, community banks, some credit unions) serve ITIN borrowers. Camino Financial, Stilt (H-1B and other visa focused), and Nova Credit (which converts foreign credit reports) have specifically built products for immigrant borrowers.

FCRA and ECOA apply: Lenders may not discriminate based on national origin. Citizenship status itself is not an ECOA protected class, but national origin is. A blanket policy of refusing all non-citizens without regard to credit or income likely would be challenged under ECOA.