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

Public record information, such as delinquencies, tax liens, collections, and late payments, are important factors considered during MPOWER's credit review. If you think there may be something in your credit history that could affect MPOWER’s decision, please check with TransUnion for U.S. or Canadian accounts by calling +1-800-888-4213 or with NOVA Credit for international accounts by calling +1-844-423-1345.

Please note that you must submit the entire application and allow our team to complete a credit review to determine if you will be approved.