Use your international
credit history to apply for
  • U.S. credit cards
  • U.S. auto loans

Moved to the U.S. recently?

Check your eligibility and apply for U.S. credit cards or loans with confidence

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in Australia


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in India

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Find the right U.S. credit cards for you

See personalized recommendations for U.S. credit cards based on your eligibility to use your international credit history.

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We get paid by our partners, not you

Checking your report on Nova Credit is free. We’ll never ask you for your payment information.

Illustration of a credit cardHow it works

Step 1

Determine your eligibility

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Answer a few questions to determine which cards you are eligible for

Step 2

See personalized recommendations

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View card recommendations based on your credit history in the U.S. and abroad

Step 3

Start building your U.S. credit history

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Get a head start on your journey to financial integration in the United States

Trusted by Thousands of Newcomers to the United States

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We take security and privacy seriously

Your data is stored using 256-bit encryption at rest and in transit. We’re SOC2 Type II and ISO 27001 compliant, and are independently audited against them annually.

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Built for newcomers, by newcomers

Many of us have moved to the U.S. ourselves and got rejected for credit cards. That’s why we’ve built Nova Credit to help you arrive and thrive.

Pre-qualify for a U.S. auto loan using your international credit history

Nova Credit has partnered with Westlake Financial to help you get an auto loan in the United States. Shop from millions of vehicles and pre-qualify for financing with no impact on your U.S. credit score, all from the comfort of your own home.

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Help your friends get access to credit in the U.S.

Get $50 for every person you refer who uses their foreign credit history to apply for a credit card in the U.S. They’ll get $50 when they successfully use their foreign credit history too!

Additional program terms apply. Learn More

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Guides and resources for U.S. newcomers

I moved to the U.S. from...

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