With Nova Credit, you can use your international credit history to apply for products from our partners such as credit cards, apartment rentals, loans and more. Select your country to see your options.
Nova Credit connects international credit bureaus with U.S. institutions so that you can use your international credit history to apply for products and services in the U.S. Using these products can help you build your U.S. credit score.
Apply for the credit products you need to set up your new life.
Easier access to benefits and rewards
Credit cards are popular in the U.S. for everyday purchases, which Americans often use to earn rewards like airline miles. If you apply for a credit card using your international credit history through Nova Credit and are approved, you can take advantage of these rewards while building a U.S. credit history.
Benefit from the same terms people with U.S. credit history are offered
People with positive credit history are typically asked to pay one month’s rent in advance in many U.S. cities as well as a security deposit. Without U.S. credit history, the financial burden can be greater. For example, in some cases, newcomers may be asked to pay several months of rent in advance.
Access the latest technology with financing options
If you are able to share your international credit history with our cell phone partner, you may be able to finance your cell phone purchase over time. For people who lack positive U.S. credit history, pay-as-you-go plans are typical, and you may have to pay up front for your device. Nova Credit has a pilot partnership with a major U.S. cell phone company in selected cities. Feel free to send questions about the pilot to email@example.com.
Invest in your future at a fair price
Apply for student loans with favorable terms and interest rates using your international credit history through Nova Credit’s partner MPOWER Financing. Without this option, you’ll find that a lack of U.S. credit history could affect your eligibility and interest rate with many student loan providers.
We’re creating a world beyond borders. Founded by immigrants for people who have moved to the U.S. and those who have returned after spending time away, we’re passionate about empowering newcomers to use their international credit data to access financial products.
*Selected apartment rental applications may charge you a processing fee. Join thousands of newcomers who have used their foreign credit history to apply for U.S. credit products.
“Being able to access credit in the U.S. allows me to call this place home.”
-Saskia, immigrated from London. Approved for a credit card using Nova Credit
Newcomers arriving in the U.S. now drive more than 50% of U.S. population growth. Yet lack of domestic credit history means millions of recent arrivals appear only as no-file or thin-file when applying for financial services. Nova Credit helps lenders access global consumer credit bureau data to acquire millions of these newcomers with no additional risk.