A U.S. or Canadian credit history is not mandatory when applying for a loan with MPOWER. Here's how your credit information is considered:

Credit history (Where available):

• U.S. credit history: If you have a U.S. credit history, MPOWER will review it as part of your application. This includes checking your payment records and any public information such as late payments, collections, delinquencies, or tax liens.
• Canadian credit history: If applicable, Canadian credit history will also be reviewed.

Home country credit reports: MPOWER also pulls credit reports from your home country, if available through NOVA. To understand general credit requirements, click here. This helps provide a comprehensive view of your financial background.