About

About ITIN Lending

ITINLending.net exists to make U.S. credit understandable and reachable for the millions of people who pay taxes with an ITIN but don't have a Social Security Number.

Why this site exists

Over 5 million people file taxes each year using an Individual Taxpayer Identification Number (ITIN). Many of them are creditworthy, employed, and ready to buy a home or finance a car — yet most mainstream financial advice assumes you have a Social Security Number. The result is confusion, dead-end applications, and predatory offers.

We started ITINLending.net to fix that information gap. We publish clear, accurate guides on every kind of ITIN financing — mortgages, auto loans, personal and business loans, and credit cards — and we connect readers with lenders who actually work with ITIN holders.

Who runs this site

ITINLending.net is published by Timberline Ventures LLC and written by the ITIN Lending Editorial Team. Our content is researched against primary sources — the IRS, the CFPB, and lenders' own published requirements — and reviewed for accuracy before publishing. Where guidance is general, we say so; where it depends on your situation, we point you to a qualified professional.

How we make money

We're free to use because we earn referral and advertising revenue. When you get matched with a lender, complete an application through one of our partner links, or click certain ads, we may be compensated. This never changes the price you pay, and it doesn't change our editorial guidance — we tell you the trade-offs straight. See our full Advertiser Disclosure for details.

What we are — and aren't

We are an independent information and referral resource. We are not a bank, lender, mortgage broker, or financial advisor. We don't make credit decisions, set interest rates, or originate loans. All financing is provided by third-party lenders under their own terms and applicable law. Nothing here is financial, legal, or tax advice.