Lakay Finance / Loans

Find the Right Loan for Your Situation

Personal loans, mortgages, and auto loans for immigrants. Lenders who work with ITIN holders and newcomers to the U.S.

Personal Loans

Need cash for an emergency, debt consolidation, or a big purchase? These lenders offer personal loans to immigrants and ITIN holders.

Built for Immigrants

Stilt

Personal loans designed specifically for immigrants, visa holders, and DACA recipients. No SSN required.
APR: 7.99% - 35.99% Amount: $1,000 - $100,000 Min Credit: No minimum
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Most Popular

LendingTree

Compare offers from multiple lenders in minutes. One application, multiple offers. Find the lowest rate available to you.
APR: 5.99% - 35.99% Amount: $1,000 - $50,000 Min Credit: 580+
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Fast Funding

SoFi

Low rates, no fees, and same-day funding available. Great for debt consolidation and large purchases.
APR: 8.99% - 29.99% Amount: $5,000 - $100,000 Min Credit: 680+
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Tip for Immigrants

If you have an ITIN instead of an SSN, start with Stilt -- they're specifically designed for immigrants and don't require a Social Security Number. If you have an SSN and a credit score of 580+, LendingTree lets you compare multiple lenders at once to find the best rate.

Mortgage / Home Loans

Ready to buy your first home in America? These lenders work with immigrants, ITIN holders, and first-time buyers.

Accepts ITIN

JRICKSS Financial - Real Estate

Our licensed NJ Realtor helps immigrants buy their first home. Free buyer consultation. We walk you through every step -- from pre-approval to closing.
Down Payment: As low as 3% Consultation: FREE Languages: English, Kreyol
Call (844) 200-8027
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LendingTree Mortgage

Compare mortgage rates from multiple lenders. See what you qualify for without affecting your credit score.
Rates: Compare 5+ lenders Types: FHA, VA, Conventional, ITIN Pre-Approval: Minutes
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Auto Loans

Need a car? These lenders offer auto loans with competitive rates, including options for people building credit.

Best Rates

LendingTree Auto

Compare auto loan offers from multiple lenders. New and used car financing. Refinancing available.
APR: From 4.49% Amount: $5,000 - $100,000 Types: New, Used, Refinance
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Business Loans & Funding

David Allen Capital (via JRICKSS Financial)

Top 20 Funders

Revenue-based business funding from $5K to $400K. Fast approvals, flexible terms, and a dedicated JRICKSS Financial broker to guide you through the process.

  • Funding Amount: $5,000 – $400,000
  • Approval Time: As fast as 24 hours
  • Requirements: 6+ months in business, $10K+ monthly revenue
  • Best For: Small businesses needing fast working capital
Apply Now – David Allen Capital

ARF Financial

Immigrant-Friendly

Small business loans designed for entrepreneurs, including immigrant business owners. Flexible lending criteria and personalized service.

  • Loan Amount: Up to $150,000
  • Term: Flexible repayment options
  • Requirements: Business must be operational with revenue
  • Best For: Immigrant entrepreneurs & small business owners
Apply Now – ARF Financial

JRICKSS Financial – Business Funding

Bilingual Support

Speak directly with a JRICKSS Financial advisor in English or Haitian Kreyòl. We connect you with the best funding options for your business.

  • Services: Business loan matching, SBA guidance, funding consulting
  • Languages: English & Haitian Kreyòl
  • Phone: (844) 200-8027
  • Best For: Haitian-American business owners & anyone needing personalized guidance
Call Now – (844) 200-8027
Business Funding Tip: Before applying, gather your last 3 months of bank statements, know your monthly revenue, and check your business credit score. Multiple funding options exist – let JRICKSS Financial help you find the right fit.

Not Sure Where to Start?

Book a free consultation with our team. We'll review your situation and recommend the best options for you.

Call (844) 200-8027
Disclosure: Lakay Finance may receive compensation from lenders featured on this page when you click links and apply for their products. This does not affect our recommendations. Rates, terms, and eligibility are determined by each lender and may vary based on your creditworthiness, income, and other factors. Lakay Finance does not guarantee approval for any loan product. Always review the full terms from each lender before accepting a loan. Lakay Finance is operated by JRICKSS Financial Services LLC.