Loan amount from $5,000 to $3,000,000*

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Checking your rate will not affect your credit score.

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$50 $2,000
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You Are More than A Number in A Credit Report

That’s why we look beyond credit history with our innovative underwriting system.

We evaluate your educational background, banking, and earning potential to provide you financing with the lowest rate possible.
With BoroDrive, you can finance a new or used car, or refinance a car loan that you currently have.
Boro loans are available for all college students, regardless of their origin.

Our Customer Base is Growing Quickly

Universities and Colleges

Universities and Colleges

Including undergraduates, graduates, PhD students, postdoc students, research associates, etc.
Start an application now
States Were We Operate

States Where We Operate

From NY to CA, WI to TX, WA to FL, and more. We are expanding, so check here to see if your location is within coverage.
No Previous Credit History

No Previous Credit History

We understand international student financing. Get a loan with no SSN, cosigner, or credit history.
Browse International Students

Application Process

1. Find a Car and Apply Online

Choose a car from the dealership and complete your car loan application at Boro see Eligibility

2. Sign Loan Agreement

Get approved (in as little as two business days). Upload the required documents and e-sign the loan agreement

3. Drive It Home!

Make a down payment at the dealership and pick up your car!
1. Download the boro app and fill out an application
2. Our decision engine will have an answer in seconds
3. You can get borocash in your bank account in as little as 1-2 days

Everyone Deserves to Build Credit and Establish Financial Security in the U.S.

College students and professionals can start the application online without a credit history, social security number, or cosigner. Besides American citizens, we are also happy to accept applications from:

U.S. Citizens
Green Card holders
A5 holders
C8 holders
F1 / OPT holders
G holders
H1B holders
J1 holders
L1 holders
O1 holders

Read more about international students

Hear from Our Customers

See more reviews

  • Neel
    " If you plan to buying a car, then call Boro. Most other financing companies could not look past my credit history and student visa status, while Boro worked really hard to provide me with a competitive rate. That’s how I get a car financing on F1 Visa even though I have no credit history in the United States. Thank you Boro!!! "
    Neel P.
    University of Texas Dallas
  • Ziwei
    " It is really great to see that we have company like Boro specifically offer auto loan for international students. I really appreciate Boro’s professionalism, efficiency and great customer service. They are the reason I was able to finance my first car in the U.S.. I also see my credit score improved a lot after several months and that is great for my future education plans! "
    Ziwei L.
    Mercer University
  • Vanessa
    " Boro makes their decisions based on our grades, responsibility and demonstrated the ability to pay. They celebrate our situation as temporary immigrants. My application was very easy and self-guided. In a short time, the underwriting team contacted me and asked reasonable questions. My choice for Boro turned out to be extremely rewarding. Solid customer service and reliable financial company. "
    Vanessa L.
    Roosevelt University

Learn Why Boro is Students' Best Choice in 30 Seconds.

Apply now to get your student exclusive rate

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* State restrictions may apply.

To qualify for the lowest rates, you must have a responsible financial history and meet other conditions. See APR examples.

To check the rates and terms you qualify for, a soft credit inquiry that will not affect your credit score will be conducted.