No credit history? No problem—you can still apply.
We do not require a credit history to submit your loan application.
If you have a credit history in your home country, the U.S., or Canada, we’ll review it as part of your evaluation. This helps us get a more complete picture of your financial background. It’s important to ensure the credit report has no late payments, collections, delinquencies, or tax liens.
Here’s how we review credit history, when available:
- Home Country Credit Reports: We partner with Nova Credit to access credit reports from select countries. If you have a report, we’ll use it to understand your repayment history.
- U.S. and Canadian Credit Reports: For credit checks in the U.S. and Canada, we rely on TransUnion, a trusted credit reporting agency.
Here’s a quick video on how you benefit with MPOWER by building U.S. credit History
