Get approved in minutes. No credit history required. Designed for international students in the U.S.
Get the funds you need, when you need them — designed to support your J-1 academic journey.
Built exclusively for J-1 students and researchers with deep understanding of your unique financial needs and immigration status.
Get approved in minutes, not weeks. Our streamlined process is designed to get you funded when you need it most.
We evaluate based on your academic merit, visa status, and stipend—not your credit score or cosigner requirements.
Transparent, fair pricing with rates designed for students. No hidden fees or surprise charges along the way.
Repayment schedules that adapt to your academic timeline and post-graduation plans, including grace periods.
Your data is protected with 256-bit encryption and secure compliance with all U.S. financial regulations and privacy laws.
Designed specifically for J-1 students and researchers. Check if you qualify in just a few minutes.
Most J-1 students qualify. Here's what we need:
Current J-1 student or researcher visa
Enrolled at a recognized university or research facility
Documented income from your academic program
Valid Social Security Number or Tax ID
Active checking account in your name
Minimum remaining time in your program
Must be 18 years or older to apply
Valid ID and proof of current address required
Meeting eligibility requirements does not guarantee approval. All applications undergo verification and internal assessment.
Clear, upfront pricing with no hidden fees. Know exactly what you're getting before you apply.
Amount based on your monthly stipend and remaining program duration
Your rate is determined by our assessment and remains fixed throughout the loan
Flexible scheduling available to match your academic calendar
Pay off early with no additional charges
All rates and terms are subject to approval and may vary based on individual assessment. Representative example: $2,000 loan at 18.99% APR over 12 months = 12 monthly payments of $183.33. Total cost: $2,199.96.
Simple guidelines to ensure a smooth loan experience and maintain your good standing with us.
Make all scheduled payments on time to avoid late fees and maintain your credit standing. Set up automatic payments for peace of mind.
Keep your J-1 visa status active throughout the loan period. Any changes to your program or visa status must be reported within 30 days.
Maintain current contact information in your account. Update your address, phone number, and email whenever they change.
Reach out immediately if you experience financial hardship that may affect your ability to repay. We're here to help find solutions together.