MPOWER does not require a credit score for our borrowers. We make loan decisions based on your future potential and a review your credit history, if you have one, in order to verify your payment history and the possible existence of any delinquencies such as late payments, collections, etc. Your application will not be negatively impacted if you do not have a credit score or credit history.

For more information on how credit works in the U.S., visit our blog.