Special situations

Can I get a personal loan with an ITIN instead of an SSN?

Short answer

Limited options. Most mainstream U.S. personal-loan lenders require a Social Security Number. Some credit unions (especially those serving immigrant communities), Community Development Financial Institutions (CDFIs), and specialty fintech lenders like Stilt and Camino Financial accept Individual Taxpayer Identification Numbers (ITIN).

Context

ITIN-only borrowers face the tightest borrowing constraints in the U.S. consumer-credit market because most credit-scoring infrastructure was built around SSN as the identifier. CDFIs (federally-designated mission-driven lenders) are explicitly chartered to serve underbanked populations including ITIN holders.

Stilt specifically targets newcomers to the U.S. who have ITIN-only or thin SSN credit profiles. Their underwriting weights employment, education, and country-of-origin financial data alongside whatever U.S. credit history exists. Approval and pricing are reasonable for stable income applicants.

Editorial

Reviewed by: Compliance Review
Last reviewed: May 22, 2026

Glossary: Personal loan

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