Offerings for newcomers

Here is a list of credit products that can serve people who have moved to the United States in the last five years

Apply for an American Express ® Personal Card using your international credit history

Nova Credit has partnered with American Express to help newcomers to the U.S. to use their international credit history from Australia, Canada, India, Mexico and the UK to apply for Personal Cards. Besides using a card for purchases and rewards, newcomers can use a card to start building their credit history in the U.S.

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Find a credit card

Using a credit card in the U.S. is one of the easiest ways to build credit. People who have recently arrived in the U.S. can use their international credit history to apply for select credit cards. We partner with a range of providers who can help newcomers get credit cards.

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Apply for a student loan

International students often can’t finance their degrees through banks. Use your international credit to apply for a loan for your U.S. studies with MPOWER Financing.

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Rent an apartment

Renting an apartment without a U.S. credit score can be hard, and often requires an increased deposit. We work with a number of tenant screening platforms to help you use your credit from another country. Ask your landlord if they use Yardi, Intellirent, or First Advantage to evaluate your rental application. Questions? Send us an email at

Get an auto loan

Expats and international students deserve better rates than the market typically gives. Lendbuzz specializes in car loans and refinancing for internationals living in the US with little to no credit history. No SSN, no credit required.

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Need an apartment guarantor?

The Guarantors can help you qualify for an apartment, even if you have no credit history, income, or savings in the US. Their Lease Guarantee costs less than one month's rent. Instead of pre-paying rent or putting down additional security deposit, use a Lease Guarantee!

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