RemitYour credit history
finally counts.
Enter your situation. Get a real rate — built on years of financial discipline that American bureaus never saw.
Estimated APR
Based on your 5-year foreign credit file
Monthly Payment (36 mo.)
Loan Term
36 months
Origination Fee
1.5 – 3%
Funding Time
48 hours
SSN Required?
ITIN accepted
Rates shown are estimates. Checking your rate does not affect your credit score. No SSN required on this page.
The market, as it is.
Every column is a quiet indictment. Every row is a door that was closed before you knocked. The numbers explain why 43 million immigrants carry perfect financial records that American banks cannot read.
| Criterion | ✦ RecommendedRemit | Major Banks | Credit Unions | Immigrant Lenders |
|---|---|---|---|---|
Min. U.S. Credit History What they require to even review your file | None required Foreign bureau accepted | 24 months Hard cutoff — no exceptions | 12 months Membership required first | 0 months But rates reflect the risk they price in |
APR Range Actual cost of borrowing, annualized | 4.9% – 18.9% Priced on your real risk profile | Declined No file = no offer | 9% – 24% If eligible; often declined | 36% – 189% APR often buried in fee structure |
Time to Funding Calendar days from application to deposit | 48 hours Digital verification, no branch visit | N/A (declined) — | 5 – 14 days Requires in-person steps | 24 hours Speed is the product; rate is the cost |
Documents Accepted Identity and income verification | Passport + ITIN/SSN Foreign bank statements, CIBIL, Schufa, CTOS | SSN required Foreign documents not processed | SSN + membership Limited foreign document recognition | Passport only No income verification — risk passed to you |
Credit Bureaus Used Data sources informing the approval decision | 50+ foreign bureaus CIBIL, Schufa, CTOS, Veraz, CRB + remittance data | Equifax, Experian, TransUnion U.S. only — blank file = denial | Experian + ChexSystems Occasionally Equifax | None No underwriting — priced for worst case |
Languages Supported Application and support language availability | 14 languages Hindi, Mandarin, Spanish, Tagalog, Arabic +9 | 1 – 3 languages English primary; Spanish at select branches | 1 – 2 languages English only at most | 2 – 4 languages Multilingual marketing; English-only contracts |
Data sourced from CFPB reports, HMDA filings, and lender disclosures as of Q4 2025. APR ranges reflect median offers, not advertised minimums.
Proof, not promises.
Approval rates across every visa category. Average savings versus alternatives. The numbers do the persuading.
$47.2M
Total Loans Funded
8,340
Borrowers Approved
50+
Countries Recognized
48 hrs
Avg. Time to Funding
Approval Rate by Visa Category
Based on 8,340 applications, Q1–Q4 2025
Average Savings vs. Alternatives
Per borrower, $15,000 loan at median approval APR
vs. Payday Lender
Avg. over 36-month term
$8,940
saved
vs. Immigrant-Targeted
Based on 189% vs 9.2% APR
$5,280
saved
vs. Credit Card Cash Adv.
On $15k over 24 months
$3,120
saved
Payday comparison assumes 189% APR, 26-cycle rollover. Immigrant-targeted lender comparison uses 36% APR. Individual savings vary based on creditworthiness.
How we approve
who you already are.
FICO was designed in 1989 for people who had already been inside the U.S. financial system for years. It has no mechanism for recognizing the financial life you built before you arrived. We built one.
Your data is never sold. Credit pulls are soft until you accept an offer.
Foreign Credit Bureau Data
We pull directly from CIBIL (India), Schufa (Germany), CTOS (Malaysia), Veraz (Argentina), CRB (Kenya), and 45+ other national bureaus. A 780 in Mumbai translates — we do the math.
Remittance Pattern Analysis
Consistent cross-border transfers are a proxy for income stability, family financial responsibility, and long-term planning. We treat them as the evidence they are.
Visa Timeline Underwriting
An H-1B engineer three months into their first U.S. role has a predictable income trajectory. We model visa tenure, renewal probability, and employer tier into the risk calculation.
Employment Verification
Offer letter, pay stubs, or employer confirmation — not a W-2 from a tax year you haven't completed yet. We work with what you actually have.
No black box. No hidden criteria.
Every decision factor is disclosed in your rate explanation letter. If you're declined, you'll know exactly why — and what changes it.
Check your real rate.
Two steps.
Checking your rate is a soft pull — it does not affect your credit score.