Many Expats and Foreign Nationals mistakenly believe that they cannot get an auto loan in the United States, but they can, and here’s how!

The majority of Expatriates and Foreign Nationals moving to the United States will need to obtain transportation. This is because in the United States the majority of the population does not have access to public transportation. Many wonder though, can you get an auto loan if you’re not a U.S. Citizen? The answer is yes.

When determining creditworthiness, lenders do not factor in citizenship in the approval process. However, they do base their loan approval on the borrower’s local credit history. Expatriates and Foreign Nationals have a local credit score of zero when they first arrive since credit does not transfer from country-to-country. This lack of credit history leads many people into thinking they cannot secure an auto loan. The good news is, Expats and Foreign Nationals CAN get auto loans by working with Expat car leasing, financing, and purchasing companies, such as International AutoSource.

Expat car leasing, financing, and purchasing companies will need the following documentation to provide U.S. car loans for Foreign Nationals and Expats:

Credit Application Form – Requests information about your assignment, former credit history, and living arrangements and employment in the U.S.

Copy of Work Visa in the U.S. – Helps finance companies verify your intention to stay in the U.S. for the duration of your lease and loan term

Employment Letter – Confirms your salary, additional benefits, and allotments, as well as your term of employment

After you submit the initial documentation, you will also be required to provide the following:

Housing-related payments- Including rent, utilities, phone bills, and cable TV service.

Insurance-related payments- Including medical, life and automobile insurance. Note: an automobile insurance binder is required in to take delivery of your vehicle.

U.S. Eligibility Documentation- Documents showing this can include a Driver’s License, Passport, Social Security Card, a Permanent Resident or Green Card, an Employment Authorization Document Card, and your Visa with a legible entry stamp.

International AutoSource (IAS) is a leading provider of Expat car leasing, financing and purchasing. The expert vehicle consultants at IAS will help guide you through the car buying process, helping you obtain an auto loan without U.S. credit history, and find the right vehicle to fit your needs. Learn more about International AutoSource at

Amy Oberlies