Identification without an SSN
Personal Loans With ITIN Number: No SSN or ITIN Needed
Looking for personal loans with ITIN number requirements? Lendify loans need no SSN or ITIN: $300-$2,500 with fixed payments every 2 weeks. Review ID options, then start your application.
Approval is not guaranteed. Examples only.
Estimate payments before preparing your ID
Choose your state, then compare the estimated payment and total repayment. Review the state examples separately; an estimate is not an offer.
Estimate, not an offer. Approval is not guaranteed. Examples only.
Documents for your identification checklist
1 photo ID
- Matrícula consular
- US driver’s license or ID card
- Foreign passport
- US passport or passport card
- Other government photo ID
- Green card
2 proofs of income
- Most recent pay stub
- Most recent bank statement
- Last month’s transaction history (check cashing or bank)
- Most recent benefit form or letter (welfare, unemployment, Social Security)
1 proof of address
- Bank statement
- Electric, water or phone bill
- Cable or internet bill
- Insurance statement
- Credit card or loan statement
- Mailed credit card or loan offer
- Current lease
- Pay stub
Originals only — no photocopies. You also add personal references; Lendify confirms they know you.
Identification and requirements for ITIN-related borrowing
Start with the accepted documents, then review residency and repayment. Lendify loans require no SSN or ITIN; the document checklist and eligibility criteria still apply.
ITIN personal loans: start with the ID checklist
Lendify loans do not require an SSN or ITIN. A photo ID is part of the document checklist; a foreign passport or consular ID is among the accepted options.
Personal loans for immigrants: prepare documents
Gather proof of income and address as well as photo ID. These are separate document groups, so having an accepted ID does not replace the rest of the checklist.
Your state of residence still matters
You must live in a state where Lendify loans are offered. Review state requirements alongside identification; an ITIN does not replace the residency requirement.
Plan for repayment and credit reporting
Lendify reports payment history for all borrowers to at least one major credit bureau. Review the fixed payment schedule alongside the documents you will need.
Who can apply without an SSN or ITIN?
18 or older
You must be at least 18 years old.
Live in a Lendify state
California, Texas, Illinois or Arizona.
$10,000+ a year
Annual income of at least $10,000 from a stable, verifiable source.
One Lendify loan at a time
No other active Lendify loan, and no Lendify application in the last 90 days.
Able to repay
Lendify looks at your monthly income and expenses.
Credit review
Lendify reviews your credit report and other criteria. Eligibility is not guaranteed.
Prepare your online application
- 1Start online
Fill out the application. It takes a few minutes.
- 2Send references and documents
Add your personal references and upload your ID, income and address documents.
- 3Sign and get your funds
Lendify lets you know in about 24 hours after it receives all documents. If approved, sign your loan documents and receive the funds.
State examples for your payment comparison
| Amount financed | Term | Payments | Every 2 weeks | Total of payments | APR |
|---|---|---|---|---|---|
| $500 | 7 months | 15 | $41 | $595 | 60% |
| $1,000 | 11 months | 24 | $54 | $1,260 | 52% |
| $2,500 | 18 months | 39 | $85 | $3,327 | 39% |
| Amount financed | Term | Payments | Every 2 weeks | Total of payments | APR |
|---|---|---|---|---|---|
| $500 | 7 months | 15 | $36 | $547 | 30% |
| $1,000 | 11 months | 24 | $48 | $1,151 | 30% |
| $2,500 | 18 months | 39 | $80 | $3,119 | 30% |
| Amount financed | Term | Payments | Every 2 weeks | Total of payments | APR |
|---|---|---|---|---|---|
| $500 | 7 months | 15 | $37 | $557 | 36% |
| $1,000 | 11 months | 24 | $49 | $1,182 | 36% |
| $2,500 | 18 months | 39 | $83 | $3,252 | 36% |
| Amount financed | Term | Payments | Every 2 weeks | Total of payments | APR |
|---|---|---|---|---|---|
| $500 | 7 months | 15 | $37 | $557 | 36% |
| $1,000 | 11 months | 24 | $49 | $1,182 | 36% |
| $2,500 | 18 months | 39 | $83 | $3,252 | 36% |
- California: California Financing Law, Pilot Program (Fin. Code §22370): 36% a year on the first $1,000, 35% above it, plus an administrative fee of up to 7% or $90. Regulator: Department of Financial Protection and Innovation (DFPI).
- Texas: Texas Finance Code §342.201(e): up to 30% a year on loans up to $4,600 (the examples use 30% with no fees). Regulator: Office of Consumer Credit Commissioner (OCCC).
- Illinois: Predatory Loan Prevention Act (815 ILCS 123): 36% all-in APR cap. Regulator: Department of Financial and Professional Regulation (IDFPR).
- Arizona: A.R.S. §6-632: up to 36% a year on loans up to $3,000. Regulator: Department of Insurance and Financial Institutions (DIFI).
Any loan terms shown are examples. The actual loan terms you may qualify for may vary based on your specific payment schedule, credit determination and state law.
Compare identification and loan terms
| Question | Lendify | Other loan options |
|---|---|---|
| Accepted identification | No SSN or ITIN is needed; a foreign passport and Matrícula consular are among the photo ID options. | Check which identification documents are accepted and what other proofs are required. |
| Credit review | Lendify checks your credit score and reviews creditworthiness and ability to repay. | Check how credit history, income and expenses are considered. |
| Repayment schedule | Payments are fixed and due every two weeks; actual terms depend on state law and credit determination. | Check payment frequency and total repayment alongside the amount borrowed. |
| Payment history | Lendify reports all borrowers' payment history to at least one major credit bureau. | Check whether payment history is reported and to which credit bureaus. |
Review the product before you apply
- Lendify loans require no SSN or ITIN. Required documents and the credit review still apply, so review both before starting.
Lendify Financial LLC
333 Bush Street, 17th Floor, San Francisco, CA 94104
(866) 281-3054 · [email protected]
Licenses
Loans are made by Lendify Financial LLC. Loans made or arranged in California pursuant to a California Financing Law license, in Texas pursuant to a Regulated Lender license, in Illinois pursuant to a Consumer Installment Loan Act license, and in Arizona pursuant to a Consumer Lender license.
Questions or complaints
- California: Department of Financial Protection and Innovation (DFPI)
- Texas: Office of Consumer Credit Commissioner (OCCC)
- Illinois: Department of Financial and Professional Regulation (IDFPR)
- Arizona: Department of Insurance and Financial Institutions (DIFI)
- Consumer Financial Protection Bureau: consumerfinance.gov/complaint
Ready to prepare your documents?
Check your state estimate and the ID, income and address checklist, then start your application.
Approval is not guaranteed. Examples only.
Questions about identification and ITIN needs
Is an ITIN required for a Lendify personal loan?
Lendify loans do not require an SSN or ITIN. You still need the required photo ID, proofs of income and proof of address. Review those document groups and the income, residency and creditworthiness requirements before starting your application.
Can I use a Matrícula consular as my photo ID?
Yes. A Matrícula consular is among the accepted photo ID options, along with a foreign passport and other government photo ID. Prepare one photo ID, two proofs of income and one proof of address. The document requirements do not allow photocopies.
Which income documents should I prepare with a foreign passport?
Prepare two proofs of income, such as your most recent pay stub and bank statement. A benefit form or letter is another accepted option. You also need a separate proof of address and a photo ID; a foreign passport is an accepted ID.
Does my immigration background replace the state residency requirement?
No. You must live in a state where Lendify loans are offered. You must also meet the age, income, ability-to-repay and creditworthiness requirements. The document checklist includes photo ID and proof of address, so review both groups before applying.
Will Lendify review my credit if I apply with an ITIN?
Yes. Lendify checks your credit score when you apply, even though an SSN or ITIN is not required for its loans. It also considers your credit report and other creditworthiness criteria, along with monthly income and expenses, to assess ability to repay.
How can I compare payments before starting an ITIN-related application?
Choose your state, amount and term in the calculator to review an estimated payment every two weeks and total repayment. Read the state example table separately. Both are examples; actual terms depend on the payment schedule, credit determination and state law.