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1b:T54d,Origination fees will be charged if applicable.

To check eligibility, rates, and terms, LendKoi may request a soft credit inquiry. The soft inquiry will not affect your credit score. 

Credit offered by LendKoi is subject to available terms, eligibility, and approval. LendKoi may not offer all forms of credit, credit in all states, or to all consumers.  Eligibility is based on applicant’s credit profile and applicable underwriting criteria. LendKoi provides content for general information and education, not as professional advice. LendKoi is not a financial advisor. Please consult an expert for personalized guidance. LendKoi is not liable for any losses or financial decisions arising from information provided on this site.

Links to third-party websites may have a different privacy policy from LendKoi and may provide less security than this website. LendKoi is not responsible for the products, services, and content on any third-party website.

*Most customers receive a decision within 1 business day. After successful approval and verification, your funds can be deposited in your bank account within 1-3 business days. 

**Annual Percentage Yields (APYs) for all Term CDs are accurate as of January 9, 2026. 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Apply if you have no credit history, limited credit history, no credit score, or are unscorable."],["$","div",null,{"className":"_contentMobileSpacer_rvdqk_160"}]]}]]}],["$","$L1e","Am I eligible for a loan without a Social Security Number?",{"ref":"$undefined","className":"_accordionItem_rvdqk_65 undefined","value":"Am I eligible for a loan without a Social Security Number?","children":[["$","$L1f",null,{"className":"_accordionHeader_rvdqk_76","children":["$","$L20",null,{"ref":"$undefined","className":"_accordionTrigger_rvdqk_80 undefined","children":[["$","div",null,{"className":"_accordionTriggerChildren_rvdqk_115","children":"Am I eligible for a loan without a Social Security Number?"}],[["$","svg",null,{"width":16,"height":16,"viewBox":"0 0 16 16","fill":"none","xmlns":"http://www.w3.org/2000/svg","className":"_accordionIcon_rvdqk_99 _accordionIconClosed_rvdqk_105","children":["$","path",null,{"d":"M8.25 3C8.52614 3 8.75 3.22386 8.75 3.5V7.25H12.5C12.7761 7.25 13 7.47386 13 7.75V8.25C13 8.52614 12.7761 8.75 12.5 8.75H8.75V12.5C8.75 12.7761 8.52614 13 8.25 13H7.75C7.47386 13 7.25 12.7761 7.25 12.5V8.75H3.5C3.22386 8.75 3 8.52614 3 8.25V7.75C3 7.47386 3.22386 7.25 3.5 7.25H7.25V3.5C7.25 3.22386 7.47386 3 7.75 3H8.25Z","fill":"currentColor"}]}],["$","svg",null,{"width":16,"height":16,"viewBox":"0 0 16 16","fill":"none","xmlns":"http://www.w3.org/2000/svg","className":"_accordionIcon_rvdqk_99 _accordionIconOpen_rvdqk_102","children":["$","path",null,{"d":"M12.5 7.25H3.5C3.22386 7.25 3 7.47386 3 7.75V8.25C3 8.52614 3.22386 8.75 3.5 8.75H12.5C12.7761 8.75 13 8.52614 13 8.25V7.75C13 7.47386 12.7761 7.25 12.5 7.25Z","fill":"currentColor"}]}]]]}]}],["$","$L21",null,{"ref":"$undefined","className":"_accordionContent_rvdqk_139 undefined","children":[["No, a valid Social Security Number is required."],["$","div",null,{"className":"_contentMobileSpacer_rvdqk_160"}]]}]]}]]}]}]]}]}]}],["$","section",null,{"className":"dataEncryptionSection_section__T3DJP","children":["$","div",null,{"className":"commonStyles_sectionContent__dLOqG dataEncryptionSection_sectionContent__uXI0c","children":[["$","svg",null,{"width":11,"height":14,"viewBox":"0 0 11 14","fill":"none","xmlns":"http://www.w3.org/2000/svg","className":"dataEncryptionSection_lockIcon__14UKm","children":["$","path",null,{"d":"M9.00001 4.95833H8.41668V3.79167C8.41668 2.18167 7.11001 0.875 5.50001 0.875C3.89001 0.875 2.58334 2.18167 2.58334 3.79167V4.95833H2.00001C1.35834 4.95833 0.833344 5.48333 0.833344 6.125V11.9583C0.833344 12.6 1.35834 13.125 2.00001 13.125H9.00001C9.64168 13.125 10.1667 12.6 10.1667 11.9583V6.125C10.1667 5.48333 9.64168 4.95833 9.00001 4.95833ZM3.75001 3.79167C3.75001 2.82333 4.53168 2.04167 5.50001 2.04167C6.46834 2.04167 7.25001 2.82333 7.25001 3.79167V4.95833H3.75001V3.79167ZM9.00001 11.9583H2.00001V6.125H9.00001V11.9583ZM5.50001 10.2083C6.14168 10.2083 6.66668 9.68333 6.66668 9.04167C6.66668 8.4 6.14168 7.875 5.50001 7.875C4.85834 7.875 4.33334 8.4 4.33334 9.04167C4.33334 9.68333 4.85834 10.2083 5.50001 10.2083Z","fill":"currentColor"}]}],["$","div",null,{"className":"dataEncryptionSection_textContent__qM7T0","children":[["$","h2",null,{"className":"commonStyles_sectionHeading__RUQJV dataEncryptionSection_sectionHeading__e6pMx","children":"Your data is encrypted. Always."}],["$","h3",null,{"className":"commonStyles_sectionSubheading__3LOXW dataEncryptionSection_sectionSubheading___IFjv","children":"Your data is secure and protected from start to finish."}]]}]]}]}]]