Day-to-Day Loans

ITIN Loans


You are a citizen of Strata

We offer ITIN Loans to provide greater financial access to members of our community. We believe our community thrives when all members of our community thrive.

How the ITIN Loan Works:

When a loan application is accepted for a person that is a non-U.S. citizen, the request will be considered under normal lending criteria with some additional guidelines. Credit applications may be accepted under this program for all loans and credit cards.

An ITIN member may provide one of the following:

  • A social security card notating “VALID FOR WORK ONLY WITH DHS AUTHORIZATION.” This is issued to people lawfully admitted to the United States on a temporary basis who have DHS authorization to work.
  • An Individual Taxpayer Identification Number (ITIN) issued by the IRS to certain residents and nonresidents who are required for tax purposes to have a U.S. taxpayer identification number. The ITIN must be supported by a copy of the ITIN letter issued by the IRS or an ITIN card accompanied by the most recent years Federal Tax Return and a signed IRS Form 4506T.

Additional guidelines are as follows:

  • Verification of Income: Members qualifying under this program shall provide verification of income consistent with the tax identification number provided. Income verification may be in the form of:
    • Direct Deposit supported by bank statement no more than 30 days old
    • A pay check stub reflecting year to date income or a W-2.
    • Most recent Federal Income Tax Return. Self-employed borrowers must provide the most recent two (2) years signed Federal Income Tax Returns.
    • If work is seasonal, the 12 month average of W-2’s from all employers plus any unemployment benefits may be used
    • A minimum of one (1) year employment is required for applicants with limited credit history defined as 3 or fewer trade lines.
    • If the Experian credit report returns no FICO score or a thin file (3 or fewer trade lines), a non-traditional bureau file such as Experian Extended View may be used to establish creditworthiness.

Apply for a loan using ITIN

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Toll Free: (800)336-5376

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