Frequently Asked Questions

What is One Percent for America (OPA)?

One Percent for America is a nonprofit, affordable, scalable, self-sustaining online platform built to remove financial barriers to citizenship. Our mission is to provide support, education and finance pathways to US citizenship through straight-forward loans at 1% interest.

We are sponsored by BlueHub Capital, a national nonprofit community finance organization founded to address the damage wrought by decades of predatory lending practices. BlueHub has decades of experience as an innovative lender, providing expertise in community lending.

How is One Percent for America financed?

OPA invites supporters from across the country to help remove financial barriers to citizenship by investing through a loan, donation, corporate sponsorship or foundational support.

Will OPA share my information with the government?

One Percent for America will not share or sell your information to third-parties. Your information will only be shared with the businesses required to complete the application process. This includes your bank for account verification when borrowing, and credit card processors for donations and lending. Please see our privacy policy for details.

How do I contact One Percent for America?

We would love to hear from you. You can email us at investOPA@onepercentforamerica.org with any questions or feedback you may have about One Percent for America.

You can also call customer service at 617-404-9797.

We are available Monday - Friday from 9:00am - 5:00pm (EST)

Our address:
One Percent for America, 10 Malcolm X Blvd, Roxbury, MA 02119

Who is eligible to borrow from OPA?

OPA provides 1% loans to cover the USCIS fees for qualified noncitizen residents with the following statuses and needs:

  • Lawful Permanent Residents (LPRs)/Green Card Holders seeking to apply for US citizenship
  • DACA (Dreamers) first time applicants and those seeking renewal 
  • Temporary Protected Status (TPS) first time applicants and those seeking renewal 

* California residents are currently not eligible for a One Percent for America loan. Please check back as this will change soon.

How does borrowing from OPA work?

Eligible immigrants seeking citizenship, DACA and TPS renewals will be able to apply for 1% OPA loan directly on onepercentforamerica.org or by calling 617-404-9797.

The application process is easy. You will need to provide your name, email, ACH (checking account) information, address and your social security number. Your loan will be approved if:

  • You are able to provide the information listed above
  • You know the dollar amount you need to pay for your USCIS application fees. Knowing the exact amount needed is critical. If the incorrect amount is sent to USCIS your application will be denied. 
  • We can verify your email account through email validation
  • We can verify your bank account information
  • You are not listed on the Office of Foreign Assets Control (OFAC) list

What are the benefits of an OPA loan?

OPA loans are designed to allow borrowers to proceed with their citizenship, DACA or TPS renewal applications immediately with no risk. Specific benefits include:
•    No credit requirements
•    No application fees or late fees
•    Flexible repayment schedule
•    Online approval in real-time

How does a borrower repay an OPA loan?

Borrowers will pay using their checking account via electronic transfer (ACH). Repayment terms are flexible. Either select an amount you would like to pay each month, or you can pay any amount you wish when you want to pay. All loans must be paid in full within 1 year of being issued the loan. The payoff of your loan is not dependent on the acceptance or rejection of your application to the USCIS. 

How can I or my organization refer borrowers to One Percent for America?

Thank you in advance for your interest and support. Visit onerpercentforamerica/OPA-loan for eligibility requirements and the benefits of an OPA loan for immigrants seeking citizenship. This would be a great starting place for any potential borrowers you would like to refer to learn a bit more about the loans before applying.

My loan has been approved, when will I receive my check?

Once your loan is approved, it should take approximately 10 business days for you to receive your check in the amount of your loan, via USPS, to the address you listed on your application.

How does lending to OPA work?

People who are interested in lending to One Percent for America can do so by lending money directly on onepercentforamerica.org. Individuals who lend do so for a 24-month period at 0%. At the end of the 24-month period, individuals can decide to keep money in and renew for another 24 months, donate, or take out money. Lenders will not have the ability to withdraw the money until the end of 24 months.

How does donating to OPA work?

People interested in investing in One Percent for America can do so by donating money directly on onepercentforamerica.org. Individuals who donate do so on a one-time, monthly, or yearly basis. Donations are tax-deductible. Individuals who donate will receive a confirmation and donation receipt via email.

To make a donation over $2,000, contact us at investOPA@onepercentforamerica.org

I made an online donation, but I did not receive a confirmation or donation receipt via email.

You should have received an email the same day you made your donation. Please check your SPAM folder. If you do not find it there, please email supportOPA@onepercentforamerica.org and we will resend you the information.

We’d love to hear from you!

Use this form to contact us with any further questions you have.