HomePersonal LoansPersonal Loans For International Students

Personal Loans for International Students

Compare monthly payment options from several lenders in under 2 minutes.

Check Offers
A woman is using the Fiona Template to control her smart home app on her phone.

Best Personal Loans Options for International Students

If you are looking for a personal loan as an international student living and attending classes within the United States, you may be able to qualify for a personal loan to help pay for books, living expenses, food, and whatever else you may need to pay for while residing in the United States.

Check Offers
Quick. Simple. Secure.
A blue icon with a leaf on a monitor and a phone.
1

Pre-qualify

Fill out an easy online form to check for pre-qualified offers with no impact to your credit score
A mobile phone and a tablet with a list on it.
2

Select offer

Compare terms and payment options to select the offer that’s best for you
A mobile phone and a tablet with a building on it.
3

Finish application

Complete your application on your selected lender’s website
A hand holding a dollar sign.
4

Receive funding

After your loan is approved, your funds should arrive within 1-2 business days2

Check offers
in seconds

Get pre-qualified for loan offers with an easy online form

Won't impact
credit scores

Checking offers will not impact your credit score

Competitive
payment options

Compare rates from our network of lenders

Receive
funds quickly

Same-day and next-day available for certain offers2

Compare Rates From Lenders in Our Network

Learn More About Personal Loans for International Students

The advantages of a personal loan for international students are the same advantages as a personal loan for anyone else who might be looking for a quick surge of cash.

Read more - FAQ

+

Can I get a personal loan as an international student?

If you are looking for a personal loan as an international student living and attending classes within the United States, you may be able to qualify for a personal loan to help pay for books, living expenses, food, and whatever else you may need to pay for while residing in the United States. Many lenders may require a cosigner that is a US citizen, but there are also a few lenders who may consider you for a personal loan even without a cosigner. If you do qualify for a personal loan as an international student without a cosigner, you may have to pay higher interest rates since lenders may see you as a potential flight risk who can leave the loan unpaid, return to their home country after their education is complete, and leave the lender with almost zero recourse to recovering the loan amount.

You also may want to see if you qualify for student loans through Sallie Mae as an international student. They help students of all types finance their educational needs. However, if you are looking for funding to pay for living expenses and do not want any of the money to go to the school that you are attending, then a personal loan designed for international students through an online lender may be your best option.

What are the advantages of personal loans for international students?

The advantages of a personal loan for international students are the same advantages as a personal loan for anyone else who might be looking for a quick surge of cash. There are many good reasons to use a personal loan as a way to cover living expenses or to purchase a big-ticket item like a new laptop computer. Personal loans are flexible and, once you qualify, you can use the funds for any purchases that you would like. Personal loans also often have lower interest rates than credit cards and may be an option for an international student who is unable to get a credit card. An unsecured personal loan also does not require any collateral. This is most likely necessary for an international student in the United States who does not own any assets with tangible financial value. The last reason that a personal loan might be a good fit for an international student is that they are easy to manage and that the entire process from qualification to the depositing of funds into a personal account can be done much more quickly than traditional methods of financing. This may be good for an international student who needs money right away to put down a deposit on an apartment or to pay for some new books and school supplies for the start of a new semester.

What credit score does an international student need for a personal loan?

Often, an international student will not have a credit history in the United States. Because of this, lenders may require an international student to have a cosigner who is a US citizen that does have a credit history for them to review. Ideally, the cosigner will have a minimum credit score of somewhere between 610 and 640, however, the better their credit score, the better your chances of getting the loan may be. If a lender is considering you for a personal loan without a cosigner, they will then have to be comfortable with lending you the money without any knowledge of a credit history. They may then ask to see any and all financial documents that you may be able to show them to give them a better idea of your financial situation and spending habits. Also, they will want to see what kind of student employment you are eligible for or see that you are currently working. They will then look at your income and see how likely you are to be able to make your monthly payments in full and on time. If you have a decent part-time job that makes a good income that you work while still attending classes full-time, your chances of qualifying for a personal loan without a cosigner may be significantly higher.

Can an international student get a loan without a job?

Obtaining a personal loan as an international student without a job may prove difficult, but it may not be impossible. Having a job may make your chances of qualifying much more likely, however, some lenders may be willing to work with a full-time international student who is unemployed. It really depends on your financial situation and the individual lender.

Can an international student get a loan without a credit score?

Yes, getting a personal loan as an international student without a credit score is entirely possible. The easiest way to get a personal loan without a credit score is to have a US citizen cosigner with good to exceptional credit. If you do not have a cosigner, there still are many lenders out there who may be able to help you get a personal loan with a no credit check offer. No credit check offers are good if you do not have any credit, but keep in mind that you most likely will be required to pay some of the highest interest rates available on the lending market.

How do I get a personal loan for international students?

If you are an international student looking for a personal loan, one of the easiest ways to get the money you need is to use an online lender. There are several online lenders who work with international students every day who may or may not be employed, and who most likely do not have a credit score. Online lenders are extremely easy to use and they can provide financing in a much shorter time than traditional banks and lending institutions.

Where can I get a personal loan for international students?

A convenient place to get a personal loan for an international student is online. With the recent boom of the online lending market, there has been the emergence of every type of funding for every type of borrower imaginable. Lending companies can cater to specific borrowers and work to help them secure the financing they need to pay for the expenses they have right away. Whether you have bad credit, no credit, or you are an international student who is not a US citizen, chances are online is the best place to find a lender that caters to your demographic.

Why choose Acorn Finance for personal loans?

Acorn Finance can make checking personal loan offers safe and easy. Within 60 seconds or less you can receive multiple offers from top national lenders with no impact on your credit score. Save yourself the time, hassle, and risk of hopelessly searching the internet for the best personal loan offer. Taking advantage of the Acorn Finance platform can help you shop and compare offers efficiently. You can be sure you are working with a trustworthy lender if you use an Acorn Finance lending partner.

Compare Rates From Top Lenders

$ Loan Calculator

Are you a contractor?
Generate more revenue with Acorn Finance.

Offer customers the ability to finance their dreams with zero dealer fees.

Get Started

Popular Home Improvement Projects

Barn Financing Options

One home, endless possibilities

MORE HOME IMPROVEMENT FINANCING OPTIONS

Personal Loan Information