Borrow toward your future

Loan for USCIS Citizenship Application Fees

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Introducing the OPA 1% Interest Loan

Every journey to citizenship is unique, filled with courage, hope, and determination. 

At One Percent for America, we believe that no one should be held back by financial barriers when pursuing their dream of becoming a U.S. citizen.

Our loan is designed to empower immigrants who are ready to take the step toward citizenship. With our 1% interest loan, you can apply sooner, without waiting to save up for the citizenship application fees and then pay them back over a year's time.
With low interest rates and a mission-driven team behind you, we’re here to help you thrive.

This loan can only be used for USCIS citizenship application fees. It does not cover 
attorney fees, legal services or other costs. 
 

Your Smart Financing Option

Why would you pay more for your application fee?

The fee for a typical N-400, Application for Naturalization online application costs $710. 
Compare your total cost of an OPA loan versus paying the fee with a credit card. 

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Loan from OPA (1% APR)

  • Payment period: 12 months
  • Minimum monthly payment: $59.76
    (including $0.59 in interest)
  • Total repayment: $717.10

    (including $7.10 in interest)

Costs reflect if the borrower meets monthly payments and repays the loan within 12 months.

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Credit Card (24% APR)

  • Payment period: 12 months
  • Minimum monthly payment: $73.36

    (including $14.20 in interest)
  • Total repayment: $880.40

    (including $170.40 in interest)

Based on a credit card with a 24% APR, the typical rate as of August 6, 2025 via Lending Tree.

Who is Eligible for the OPA 1% Loan?

 

You are eligible if you:

  • Are 18 or older
  • Live in California, Florida, Massachusetts, New Jersey, New York, or Texas.*
  • Have a Social Security Number
  • Plan to apply for U.S. Citizenship in the next 60 days (Form N-400 or N-600)
  • Can provide a co-borrower that meets eligibility requirements
  • Have a U.S. debit card and can make minimum monthly payments
  • Meet minimum credit requirements
  • Consent to receiving all documentation electronically (based on each state’s compliance requirements)
  • Consent to having your credit pulled and reviewed

* One Percent for America loans are currently available to residents of the following states, with additional states expected to be added soon. If your state is not listed, please check back for updates: California, Florida, New York, Texas, New Jersey, and Massachusetts.

 Co-Borrower Eligibility Requirements

You will need to provide a co-borrower to complete the application. Choose someone who is in a strong financial position and can step in to help with payments if needed. Make sure the co-borrower you name has proof of employment (two recent pay stubs), meets the minimum credit score requirement, and is financially stable enough to support you if necessary.

  • Meet minimum credit requirements 
  • Can provide recent pay stubs to verify their employment status

  • Can share or take over full responsibility for repaying the loan if the borrower is unable to make payments at any time before the loan is paid off.
     

    Learn About Being A Co-Borrower

 

OPA 1% Interest Loan Terms & Conditions

 

Interest Rate 1% fixed annual percentage rate (APR)
Loan Term 1 year (12 months)
Repayment Schedule Monthly payments. Payment activity will be reported to credit bureaus
Fees and Charges If your payment is more than 90 days late, your account is considered in default. Once in default, the remaining loan amount is due and payable within 30 days of receiving notification of default and the annual interest rate is increased to 6% for as long as the remaining loan amount remains outstanding.
Prepayments No prepayment penalties. You won’t have to pay any extra fees if you pay off your loan early.
Type of Loan Personal installment, joint credit loan for USCIS citizenship application fees
Conditions OPA will conduct a credit inquiry and require all applicants to meet minimum requirements. All loans require a co-borrower that meets minimum requirements and has proof of employment. All on-time payments can help build credit for both the borrower and co-borrower, while delinquent payments may negatively impact credit.
Loan Amount OPA 1% interest loans range from $380 up to $1,385, depending on the type of citizenship application the borrower will be submitting to USCIS.

 

Important Information: Current U.S. Immigration Processing

A temporary federal policy—unrelated to One Percent for America (OPA)—is currently impacting USCIS citizenship application processing for applicants from over 35 countries. To prevent delays or complications for prospective OPA loan applicants, we are pausing OPA loan applications for individuals from the impacted countries. We look forward to reopening the OPA Loan applications for individuals from these countries if and when this federal policy is lifted.

See the list of affected countries before applying.

Application Process

What You'll Need to Apply

  • Contact Information
  • Social Security Number
  • Exact Loan Amount for USCIS Citizenship Application Fees
  • Payment Information (Debit Card)
  • Employment History (with pay stubs) if employed
  • Contact Information for a Co-Borrower who has agreed to share responsibility on the loan 

Important Note: You must complete the application in one sitting, as it cannot be saved. Please gather all required information before you begin.

Start the Application

 

Apply in 5 Easy Steps

  • Borrower Completes Application
  • Co-Borrower is Invited to Apply
  • Co-Borrower Completes Application
  • OPA Approves the Application & Documents are Signed
  • Loan Funded