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  • Santa Ana FCU

How to Get a Loan Without a Social Security Number

How to Get a Loan Without a Social Security Number

Getting a loan without a social security number can be challenging, but it's not impossible. Here are a few options to consider:

Get a loan with an Individual Taxpayer Identification Number (ITIN):

Some lenders such as SAFCU, offer loans with alternative forms of identification, such as an Individual Taxpayer Identification Number (ITIN). ITINs and SSNs are very different national I.D. numbers. U.S. citizens and noncitizen residents approved to work in the United States are typically issued SSNs. Nonresident visitors conducting business in the United States may not meet SSN requirements. That is where an ITIN comes in. It might help when finding work in the United States, filing taxes, opening a checking or savings account, and more. Having an ITIN doesn’t guarantee you will be approved for a loan. However, lenders that accept ITINs as a form of identification will at least accept and consider your loan application. Click here for more information about getting a loan at SAFCU with an ITIN

Find a cosigner:

If you have poor credit or no credit history, you may want to consider asking a friend or family member with good credit history to co-sign a loan for you since this may increase your chances of approval. It’s important to note that the co-signer will be responsible for the loan if you cannot pay it back, so the person you select will need to trust you too.

Build credit:

Building credit can be challenging, but it's not impossible. Consider getting a secured credit card or becoming an authorized user on someone else's credit card to start building credit history.

Santa Ana Federal Credit Union is a proud and approved ITIN lender. Members get access to low-interest loans such as auto loans and more. For more information on ITINs, visit or call 800.541.2546.



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