Borrow Toward Your Future

Apply for a 1% immigration loan to cover your USCIS application fees today

At One Percent for America (OPA), our mission is to finance pathways to US citizenship through straightforward 1% interest loans for immigrants seeking US citizenship. We’re committed to alleviating the financial barriers of US citizenship not just because we believe it’s better for our country, but because over two centuries of the American immigrant story — including your own hard work and determination — have proven it is.  

Attention Applicant: As of April 1, 2024 USCIS fees have changed. Please check the USCIS new fee calculator to ensure you know the accurate amount for your USCIS application form before applying for your OPA loan.


Who is eligible for our 1% loans?

OPA provides 1% loans to cover the USCIS application fees for qualified noncitizen residents who plan to submit a paper application (via mail) to the USCIS with the following statuses and needs:

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

Residents of the following states are not currently eligible for One Percent for America loan; Arizona, Georgia, Hawaii, Idaho, Louisiana, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, Utah, Washington, West Virginia, and Wisconsin.

Please check back as this will change soon.

What are the benefits of the OPA 1% interest loan?

Our low-interest loans come with:

  • No credit requirements
  • No late or hidden fees
  • Monthly repayment schedule
  • Dedicated community support

Loans can be used for the following applications

Green Card
Temporary Protected Status (TPS)

How does it work?

OPA makes it easy to apply for our 1% interest loan. Upon approval, we will issue you a check for your loan funds made payable to the US Department of Homeland Security. Your loan check can ONLY be used to submit applications via mail. The OPA loan check cannot be used to pay online application fees.

  • Once your loan is approved, it could take up to 15 business days for you to receive your check in the amount of your loan, via USPS to the address you listed on your application.
  • This check can only be used for your USCIS paper application fees that you submit by mail. If you try to use it for an online application submission, your application will be rejected.
  • You will then mail this check along with your completed USCIS forms to the USCIS.
  • Your monthly payments will automatically be withdrawn from the bank account you provided on 15th of each month.
  • Your loan must be repaid within one year.
  • Please Note: This check cannot be used for any other purpose. You cannot cash this check; it must be mailed directly to USCIS with your paper application. It cannot be used for online applications. Any misuse of this check, whether deposited or attempted to be used online, constitutes as check fraud and will cause a loan to be reported and canceled.

Information you will need 

Please have the following available when you begin the application:

For more details, view our "Information You Will Need to Apply" video, available in both English and Spanish.