Citizenship Within Reach
While the pathway to citizenship can be long and
complex, paying for it shouldn’t be.
Since the founding of our country, immigrants have fueled America’s progress—launching businesses, driving innovation, and enriching our culture. Citizenship is a milestone that unlocks opportunities, yet achieving it is costly and the process is complex, leading many immigrants to delay their applications, or turn to high-interest credit cards, or worse, sign on with predatory lenders. OPA’s 1% APR loan offers eligible immigrants a trusted and simple way to access critical financial resources to cover the cost of citizenship application fees, which regularly reach $1,400 per person. Designed for individuals and families who value planning and financial flexibility, OPA's low-cost financing makes it possible to move forward with citizenship while minimizing the impact on other monthly budget priorities and preserving savings.
Fostering Long-Term Economic Empowerment
OPA is more than a loan provider. By pairing affordable financing with free financial and credit education resources, OPA helps borrowers take meaningful steps toward both citizenship and financial well-being. Responsible repayment may help strengthen credit, while educational tools empower borrowers to build lasting financial confidence and achieve broader economic goals.
A Cycle of Opportunity
One Percent for America (OPA) is a nonprofit organization that expands access to U.S. citizenship for immigrants while advancing financial empowerment and prosperity for all.
What makes OPA’s approach unique is that the impact of each loan extends beyond one borrower. As loans are repaid, the funds are reinvested to help new applicants afford the cost of citizenship, creating a growing cycle of opportunity.
Since launching in 2022, OPA has helped thousands of immigrants afford their citizenship application fees. Each borrower represents someone taking an important step toward a more secure future, and an opportunity to strengthen their families, communities, and the country they call home.
Strength in Partnership:
OPA and BlueHub Capital
OPA is proud to be affiliated with BlueHub Capital. For 40 years, BlueHub’s innovative community development programs have created healthier, more resilient neighborhoods where more people have access to housing, healthcare, and education. OPA has been able to draw on BlueHub’s administrative infrastructure and executive leadership to support its operations and startup since its inception.
What We Do
One Percent for America (OPA) envisions a future where every immigrant achieves their American dream. By championing access to citizenship, OPA unlocks opportunities and supports economic growth, fostering stronger communities and building a more prosperous future for all of us.
OPA 1% APR Loan
OPA's 1% APR citizenship loan helps immigrants cover USCIS citizenship application fees with affordable monthly payments instead of paying the full cost upfront. By turning a one-time expense into a manageable part of a monthly budget, borrowers can move forward with their citizenship goals sooner rather than waiting to save the full amount.
Learn More about OPA’s 1% APR Loan
Supporting Future Americans
Join us in reducing barriers to citizenship by making a donation. Your gift does more than help one person—it fuels a powerful pay-it-forward model. As borrowers repay their loans, your contribution is reinvested to support future applicants, creating lasting impact for generations.
Forging a Brighter Future through Partnership
Collaboration is at the heart of our mission. OPA partners with immigrant-serving nonprofits, workforce development programs, and mission-aligned businesses to expand access to citizenship. Together, we can connect more aspiring Americans with affordable financial tools and build stronger, more inclusive communities.