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.

I moved to the U.S. from:

You built your credit in your previous home country. Now you can use it in the U.S.

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 months 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 help@.

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 Credits partner MPOWER Financing. Without this option, youll find that a lack of U.S. credit history could affect your eligibility and interest rate with many student loan providers.

tips and tricks for your new life in the states


Were 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, were passionate about empowering newcomers to use their international credit data to access financial products.

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Resources, tips and tricks for those considering a move and those who have recently arrived

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from newcomers for newcomers


*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

Partner SOlutions


Lack of a domestic credit history keeps millions of people who move to the U.S. from realizing their dreams. Newcomers represent an untapped market of millions of prime and super-prime customers who use five financial products on average within the first six months of arrival. Your business can access them with the help of Nova Credit, which retrieves international credit data from leading credit bureaus around the world, translates it into a U.S.-equivalent credit score and a format familiar to U.S. underwriters, and delivers it via a single API.

More data. Better decisions. Drive incremental customer acquisitions.

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