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For developers & AI users

Ask your AI which cards actually accept an ITIN

Most AI assistants answer ITIN credit-card questions from whatever they happened to read. Ours gives them something better: a directory of issuers we have verified accept an ITIN in place of a Social Security number, plus 290+ guides and 1,800+ FAQs in English and Spanish. Connect it once and your assistant can name specific issuers, cite the article it came from, and tell you when the information was last checked.

We are not a lender, a broker, or a card issuer. Every response carries an editorial disclaimer, listings are unpaid, and no application is offered through this server.

Connect in about a minute

Claude — one click, then confirm the connector:

Connect to Claude

Any client that takes a URL (ChatGPT developer mode, Cursor, and others) — paste the endpoint. No install, no API key:

https://mcp.itinlending.net

Claude Desktop and other local-server clients — add this to your MCP config:

{
  "mcpServers": {
    "itin-finance": { "command": "npx", "args": ["-y", "itin-finance-mcp"] }
  }
}

What can it answer?

  • “Which banks will approve a credit card with an ITIN and no credit history?”
  • “Is a secured card or an unsecured card more realistic for me right now?”
  • “¿Qué bancos aceptan ITIN para una tarjeta de crédito?”
  • “What does this issuer ask for at the branch versus online?”

The tools it exposes

ToolWhat it does
search_guidesSearch all 290+ guides (EN/ES); returns quick answers plus canonical URLs
get_guideOne guide by slug: quick answer, FAQs, related guides
faq_lookupDirect answers drawn from 1,800+ editorial FAQs
find_itin_lendersITIN-accepting institutions by card or loan type, optionally by state
get_lender_detailsFull verified profile for one institution
can_i_get_this_loan“Can I get an X with an ITIN?” — answer plus verified institutions
itin_state_infoState tax-contribution and driver’s-license law context
how_to_get_an_itinThe IRS Form W-7 process, in English and Spanish

Access, privacy, and attribution

Every tool is read-only and public — no account, API key, or sign-in. Responses include source attribution, the canonical article URL, and the retrieval date; quote freely with attribution to the ITIN finance network (itinlending.net, itincreditcard.com, itincreditscore.com). We log anonymous usage telemetry (tool name, arguments, client name, timing) to operate the service and purge it after 90 days; no user identity or conversation content is collected. Card terms change — confirm with the issuer before you apply.

For developers