Auto Loans For Non U.S. Citizens

Posted by in Loans | Updated on November 15, 2022
At a Glance: Public transport in the U.S. isn’t accessible to many people so you might need a car. In this case, many people will need an auto loan. Auto loans are available for non-U.S citizens as well as H1B visa holders.

Public transport in the U.S isn’t accessible to many people in the U.S and at some stage during your U.S stay you might be in a situation where you need a car. Unfortunately, most people aren’t in a position to just outright purchase a car from savings or general income either. In this case, many people will need an auto loan.

Although it might be a little trickier getting an auto loan if you are an H1B visa holder (as opposed to a permanent resident), auto loans for non-U.S citizens are available. We have addressed the issue of getting an International Student Car Loan here. We provide more details if you are an H1B visa holder below.

3 Requirements for an Auto Loan as a Non-US Citizen

Buying a car in the U.S is possible if you are an H1B visa holder. The process to get one might just be a little lengthier. Below are the three requirements for auto loans for non-U.S citizens.

You Need a Driver’s License

You can apply for a U.S driver’s license if you are staying in the U.S on a long-term basis (even if the person in question is an h4 visa holder). You don’t need to be a permanent resident or U.S citizen. You can apply for your driver’s license at your local Department of Motor Vehicles (also known as the DMV).

You will need the following documentation to apply for a driver’s license:

  • Form DS 2019
  • Form I-94
  • Your passport with your visa
  • Proof of our legal presence or residence in the U.S
  • Your Social Security Number or Form SSA-L676
  • Other state-specific documentation

You Need Auto Insurance

To get an auto loan, you will need to have auto insurance. Having auto insurance is a requirement for all drivers under U.S law. In some states, you might even need auto insurance before you can get your driver’s license. Fortunately, it won’t be too difficult to get auto insurance – even if you aren’t a U.S citizen.

You need an Auto Loan

This might feel like the typical chicken and egg question of which comes first. But, if you’re serious about getting a car, the seller will probably want to see some sort of proof that you can back the deal. This is where a pre-approved auto loan or letter stating that you will be able to one.

Most people don’t have the finances to buy a car outright and will need the assistance of an auto loan. Unfortunately, if you are not a permanent resident or U.S citizen this will be the most tricky step. Most people can simply just apply for a loan while at the dealership, but this is not the case for foreign nationals.

Most banks and conventional credit institutions don’t offer auto loans for non-U.S citizens due to the risk involved. Fortunately, there are institutions like Stilt that specializes in it. With Stilt, you don’t need a social security number and many of the common issues you will face when applying for an auto loan for non-U.S citizens can be avoided by using Stilt’s services. Stilt offers personal loans for non-U.S citizens which you can use to buy your car.

Documents Required for an Auto Loan as a Non-US Citizen

The documentation you’ll need to get your auto loan differs from state to state and will also depend on the institution at which you apply for your loan. So it will probably be easiest to make sure you have most of the common ones at hand.

Finance Qualification Form

As a foreign national, you will most likely not have a proper credit score or comprehensive credit history. So, you will have to provide the lender with other information such as your employment, former credit history, living arrangements, and financial situation, so that they can assess the risk involved in giving you a loan.


You will need to provide the lender with your visa so that the lender can verify how long you intend to stay in the U.S. If your visa is going to expire soon, chances are they won’t provide you with a loan.

Letter from Employer

Lenders will want to know the details of your employment since your employer will provide the funds to repay the loan. The letter should detail your employment status, benefits, salary, and employment term.

Payment Documents

This will be documents such as your utility bills, phone bills, medical and/or life insurance documents, etc.

Proof of Lawful Presence

This will be the documents proving that you live in the U.S legally. An easy one is your visa, but other documents include:

  • your driver’s license
  • employment authorization document
  • passport

Can I get an International Student Car Loan?

If you are a foreign national studying in the U.S, you may also be able to get an auto loan. We explain more details about getting an International Student Car Loan here.

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Being an H1B visa holder doesn’t mean you have to be stuck or immobile. If you don’t have proper access to public transport, consider buying a car while you are in the U.S. If you need an auto loan to make buying a car possible don’t worry! Companies like Stilt is here to help with its personal loans for non-U.S citizens!

Need a Loan? Get One in 3 Simple Steps

If you are considering applying for a personal loan, just follow these 3 simple steps.


Apply online for the loan amount you need. Submit the required documentation and provide your best possible application. Stronger applications get better loan offers.


If your application meets the eligibility criteria, the lender will contact you with regard to your application. Provide any additional information if required. Soon you’ll have your loan offer. Some lenders send a promissory note with your loan offer. Sign and return that note if you wish to accept the loan offer.


The loan then gets disbursed into your U.S. bank account within a reasonable number of days (some lenders will be as quick as 2-3 business days). Now you need to set up your repayment method. You can choose an autopay method online to help you pay on time every month.


About Stilt

Stilt provides loans to international students and working professionals in the U.S. (F-1, OPT, H-1B, O-1, L-1, TN visa holders) at rates lower than any other lender. Stilt is committed to helping immigrants build a better financial future.

We take a holistic underwriting approach to determine your interest rates and make sure you get the lowest rate possible. 

Learn what others are saying about us on Google, Yelp, and Facebook or visit us at If you have any questions, send us an email at [email protected]