No SSN Required

No SSN Required

Low Interest Rate

Low Interest Rate

Easy Application Process

Get Approved in One Day

Build Credit History

Build Credit

Loan amount starting from $5,000 *

12 45
Monthly payment
$ N/A /month
Loan amount Term APR starts at
$N/A N/A N/A
Get Your Loan Now

Checking your rate will not affect your credit score.

Loan amount from $1,000 to $3,000 *

12 36
Monthly Payment
$ N/A /month
Loan amount Term APR starts at
$N/A N/A N/A
Get Your Loan Now

Checking your rate will not affect your credit score.

You Are More than A Number in A Credit Report

That’s why we look beyond credit history with our innovative underwriting system.

We evaluate your educational background, banking, and earning potential to provide you loans with the lowest rate possible.
With a Boro car loan, you can finance a new or used car, or refinance a car loan that you currently have.
Personal loans from Boro can be used to fund items such as a new laptop, classes, outstanding debts, vacations, and much more.
Boro car loans and personal loans are available for all college students, regardless of their origin.

Our Customer Base is Growing Quickly

Universities and Colleges
Universities and Colleges
Including undergraduates, graduates, PhD students, postdoc students, research associates, etc.
States Were We Operate
States Where We Operate
From NY to CA, WI to TX, WA to FL, and more. We are expanding, so check here to see if your location is within coverage.
No Previous Credit History
No Previous Credit History
We understand international student financing. Get a loan with no SSN, cosigner, or credit history.

Application Process

1. Find a Car and Apply Online
Choose a car from the dealership and complete your car loan application at Boro
2. Sign Loan Agreement
Get approved (in as little as two business days). Upload the required documents and e-sign the loan agreement
3. Drive It Home!
Make a down payment at the dealership and pick up your car!
1. Choose a Product and Apply Online
Choose the product you want to finance and complete your credit application online
2. Sign Loan Agreement
E-sign your loan agreement upon approval and set up your automated monthly payment
3. Get Your Funding
Money will be deposited into your bank account as soon as the same business day

Everyone Deserves to Build Credit and Establish Financial Security in the U.S.

College students and professionals can start the application online without a credit history, social security number, or cosigner. Besides American citizens, we are also happy to accept applications from:

F-1 holders
L-1 holders
OPT holders
J-1 holders
H1B holders
O-1 holders
Green card holders

Hear from Our Customers

  • Neel
    " If you plan to buying a car, then call Boro. Most other financing companies could not look past my credit history and student visa status, while Boro worked really hard to provide me with a competitive rate. That’s how I get a car loan on F1 Visa even though I have no credit history in the United States. Thank you Boro!!! "
    Neel P.
    University of Texas Dallas
  • Ziwei
    " It is really great to see that we have company like Boro specifically offer car loan for international students. I really appreciate Boro’s professionalism, efficiency and great customer service. They are the reason I was able to finance my first car in the U.S.. I also see my credit score improved a lot after several months and that is great for my future education plans! "
    Ziwei L.
    Mercer University
  • Vanessa
    " Boro makes their decisions based on our grades, responsibility and demonstrated the ability to pay. They celebrate our situation as temporary immigrants. My application was very easy and self-guided. In a short time, the underwriting team contacted me and asked reasonable questions. My choice for Boro turned out to be extremely rewarding. Solid customer service and reliable financial company. "
    Vanessa L.
    Roosevelt University

* State restrictions may apply.

To qualify for the lowest rates, you must have a responsible financial history and meet other conditions. See APR examples.

To check the rates and terms you qualify for, a soft credit inquiry that will not affect your credit score will be conducted. A hard credit inquiry will only appear after you sign your loan agreement and thus may affect your credit score.