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.

This loan can only be used for USCIS citizenship application fees and is currently only available to individuals living in the following states: California, Florida, Massachusetts, New Jersey, New York, or Texas.* 
Sign up for our new state lending alert.
 

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
  • Vivir en California, Florida, Massachusetts, New Jersey, New York o Texas.*
  • Contar con número de seguro social
  • 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
  • Cumplir con los requisitos mínimos de crédito
  • Aceptar recibir toda la documentación de forma electrónica (según los requisitos de cumplimiento de cada estado)
  • Aceptar la revisión de su historial crediticio

* One Percent for America loans are currently available to residents of the following states, California, Florida, New York, Texas, New Jersey, and Massachusetts. If your state is not listed, please sign up for updates.

 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 as they share responsibility for repaying the loan. 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.

  • Cumplir con los requisitos mínimos de crédito 
  • Can provide recent pay stubs to verify their employment status

  • Has shared 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.
Cantidad del préstamo 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

  • Información de contacto.
  • Número de seguro social
  • Cantidad exacta del préstamo para cubrir los cargos de la solicitud de ciudadanía ante el USCIS
  • Información de pago (tarjeta de débito)
  • 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