Loans, mortgages & credit for ITIN holders
Buying a home, financing a car, or building credit with an ITIN number? We help foreign nationals and ITIN holders compare real lenders and financing options across the U.S. — in plain English.
Check your options in 60 seconds
No SSN required. Checking your options does not affect your credit score.
What can you finance with an ITIN?
An ITIN opens the door to most major U.S. credit products. Pick a path to see lenders, requirements, and how to qualify.
ITIN Mortgages
Own your home in the U.S. — no SSN needed.
Learn more →ITIN Auto Loans
Drive off the lot with your ITIN number.
Learn more →ITIN Credit Cards
Start building U.S. credit with an ITIN.
Learn more →ITIN Personal Loans
Cover what life needs, no SSN required.
Learn more →ITIN Business Loans
Fund and grow your business with an ITIN.
Learn more →How to Get an ITIN
Apply for an ITIN with the IRS, step by step.
Learn more →How it works
Three steps from "Can I even qualify?" to a real conversation with a lender.
Tell us what you need
Answer a few quick questions about the financing you're after and your state. Takes under a minute — no SSN, no credit pull.
Get matched
We connect you with ITIN-friendly lenders that fit your situation, so you're not cold-calling banks that will just say no.
Compare & decide
Review rates and terms, ask questions, and move forward only when it's right for you. You're never obligated.
Your ITIN is enough to start.
Thousands of ITIN holders finance homes, cars, and businesses every year. See what you qualify for — it's free and it won't touch your credit.
See if you qualifyITIN lending: common questions
Can I get a loan with an ITIN instead of an SSN?
Yes. Many banks, credit unions, and non-QM lenders accept an Individual Taxpayer Identification Number (ITIN) in place of a Social Security Number for mortgages, auto loans, personal loans, business loans, and credit cards. Requirements vary by lender and product.
Do I need a green card or visa to qualify?
No. ITIN lending exists specifically for people without an SSN, including those without permanent residency. Lenders focus on income, down payment, and credit history rather than immigration status. Exact eligibility depends on the lender.
How much down payment do I need for an ITIN mortgage?
Most ITIN mortgages require 10% to 20% down. A larger down payment can offset a thin credit file and unlock better rates. Some lenders go lower for strong borrowers; the median in 2026 sits around 15%.
Will ITIN loans hurt my credit score?
Getting matched and comparing options on this site does not affect your credit. A lender only runs a hard credit check once you formally apply. Paying an ITIN loan on time actually helps you build U.S. credit history.
Is ITINLending.net a lender?
No. We are an independent information and referral resource. We publish guides and connect ITIN holders with third-party lenders. We do not make credit decisions, set rates, or originate loans.