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Reaching Minority Households

ITIN Lending Program (Non-Citizen Lending)

Improve economic access in your community. 

Credit unions in the pilot have agreed to offer the program, which includes a variety of consumer lending products, including credit cards, personal loans, and vehicle loans, to non-citizens and individuals with an ITIN number with the same rates as traditional consumer lending products. The program began at Point West Credit Union in 2008; as of 2015 the program has provided $2.1 million in loans to non-citizen borrowers.

Keep me informed!

7% of the U.S. population (22 million people) are non citizens

Delinquency rates have remained low at 0.35%

70% of non-citizen borrowers have maintained or improved their credit score


Reach out to Adam Lee, incubator director, to learn more about this initiative. 

ITIN Lending is one of five programs being tested in the Reaching Minority Households Incubator. Our work to research and test solutions to improve access to financial services is made possible by Visa.