Citizenship Loans

We Are Here to Help On Your Journey

Because we know how complex an immigration process can be, we are with you every step of the way. To help people finance their path to U.S. citizenship, we offer Citizenship Loans to cover the costs associated with this process. We also offer a fee-based alternative for each Citizenship Loan type for people who would prefer not to pay any interest.

Two Loan Tiers

There are two tiers of Citizenship Loans, giving the flexibility to offer you the best possible financing for your unique situation.

Citizenship | Getting Started

Focused on getting you started on your journey. The Resource One Citizenship Getting Started Loan helps individuals to finance the costs associated with citizenship.

• Maximum Loan Amount: Up to $1,000 for costs associated with citizenship, including fees and legal costs
• Loan Term: 12 Months
• No prior credit history is required.

Citizenship | Road to Citizenship

Perfect for people who are looking to finance the costs associated with citizenship for multiple people or a whole family. Resource One can help your road to citizenship.

• Maximum Loan Amount: Up to $4,000 for costs associated with citizenship, including fees and legal costs
• Loan Term: 24 Months
• No prior credit history is required.

How Citizenship Loans Work

Our Citizenship Loans allow members to use their ITIN (Individual Taxpayer Identification Number) instead of a social security number to help cover the cost of individuals or multiple persons becoming future U.S. citizens. Similar to a personal loan, funds are given upfront and paid off during the term of the loan.

Uses

Use the citizenship loan for a variety of immigration expenses. For example:

• Citizenship Application
• Permanent Residence Application (green card)
• Petition for Alien Relatives
• Application for Employment Authorization
• Asylum Process
• Travel Expenses
• Legal fees
• Green card renewal
• DACA expenses
• and more!

Advantages

• Have quick access to funds to cover the cost of applying for citizenship
• Avoid predatory loans, like payday lenders or pawnshop loans, with rates as high as 300% APR

Loan Rates

Citizenship Loans

Loan	Term	APR
Getting Started	12-month term	as low as 8.74% APR or 0.00% APR with an up-front application fee
Road to Citizenship	24-month term	as low as 9.24% APR or 0.00% APR with an up-front application fee

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 01, 2023. Rates are subject to change without notice.

Resources For You

Find resources in the community to help assist with your immigration and citizenship process.

ITIN Lending

Resource One Credit Union is proud to provide financial services to members with an ITIN (Individual Taxpayer Identification Number). We approach every member the same: Creating lasting value with the right mix of products and services to assist in securing the financial future of all our members. All credit union members, whether they open their accounts with a social security number or an ITIN have access to the same low rates. If you are an ITIN holder, Resource One is here for all your financial needs, including: