MPOWER does not require a credit score or history, but we do review any existing credit history in the U.S. and your country of origin, if available. If you are attending a Canadian school, we will also review any existing Canadian credit history.

Your application will not be negatively impacted if you do not have a credit history.

Unlike many other lenders, MPOWER does not use your credit score - the number rating that expresses your credit history - when considering your loan application. If a credit history exists, we simply verify your payment history and the possible existence of any delinquencies such as late payments, collections etc.