New to the U.S.? Bring Your Credit History With You
We’ll help you use your foreign credit history to apply for U.S. credit cards, auto loans, and more. Check your eligibility to start unlocking opportunity from day one.
How It Works
Select your home country to discover products where you may be able to use your credit history from that country
Apply for credit products
Opt to use your foreign credit history when completing your application
Start building credit history in the U.S.
If approved, get a head start on your journey to financial integration in the United States
Trusted by Thousands of Newcomers to the United States
Built for immigrants, by immigrants
Many of us have moved to the U.S. ourselves and struggled to access credit. That's why we've built Nova Credit: to help you thrive from day one.
We take security & privacy seriously
We abide by stringent security measures to protect our users’ information. We conduct independent audits of our data-handling practices annually.
Find the right U.S. credit cards for you
We’ll help you use your foreign credit history to apply for U.S. credit cards.
Stay connected from day one
Use your credit history to apply for device financing and phone plans at Verizon.
Pre-qualify for a U.S. auto loan using your foreign credit history
Get an auto loan in the United States with no impact on your U.S. credit score.
Check your eligibility for an international student loan
Fund your U.S. education with our partner MPOWER.
Nova Credit has partnered with MPOWER, the leading provider of scholarships and a loan no-cosigner for international college students in the U.S and Canada.
Check Your Eligibility & Kickstart Your Financial Journey
Jumpstart Your Journey
We’ve interviewed immigration experts, lawyers, and people who have moved to the U.S. to provide you with a comprehensive guide for your immigration journey.
Guides & Resources for U.S. Newcomers
Will Multiple Credit Cards Help Build Credit Faster?
If you’re starting to build your credit in the United States, opening multiple credit cards might be a good idea. But does having multiple credit cards help your score? What are the benefits of having multiple credit cards and do they outweigh the costs?
The Key Consumer Segment Auto Lenders Are Missing
The auto market for both new and used vehicles continues to grow, yet auto lenders seem to be missing out on the opportunity to tap into a key market segment: newcomers to the U.S.
How to Pre-qualify for an Auto Loan as a Newcomer to the U.S.
As a newcomer to the U.S., you may have to overcome substantial hurdles when purchasing and financing a car. Here is everything you need to know about how to get a car loan with no credit history and no cosigner.
Frequently Asked Questions
Have more questions? Try Nova Credit’s Help Center.
Nova Credit has partnered with lenders and international credit bureaus to help newcomers apply for products and services using their foreign credit history. When you apply with Nova Credit, you generally have the option to add your international credit history to your application.
We take compliance and information security very seriously. We incorporate security best practices into all aspects of our business and are audited by third parties against industry standards (e.g. SOC 2 Type II) and have received applicable certifications (e.g. ISO 27001) covering our information security management systems.
Typically, newcomers to the U.S. have trouble accessing financial products like credit cards because they do not have a U.S. credit score. With Nova Credit, you can use your international credit history.
At the moment, our partners do not require an SSN to apply for a U.S. credit card. This may change at any time and providers may require you to provide an SSN in the future.
Using Nova Credit is free for consumers like you. We get paid by our partners who want to serve newcomers to the United States.
Become An Expert In Moving to the U.S.
Our newsletter, The Arrive, has the best advice on setting up life in the U.S., whether you’re planning the move, have recently arrived or are staying long-term.