Offerings for newcomers

Here is a list of credit products that can serve people who have moved to the United States in the last five years

Find a credit card

Using a credit card in the U.S. is one of the easiest ways to build credit. People who have recently arrived in the U.S. can use their international credit history to apply for select credit cards. We partner with a range of providers who can help newcomers get credit cards.

Apply for a student loan

International students often can’t finance their degrees through banks. Use your international credit to apply for a loan for your U.S. studies with MPOWER Financing.

Apply now

Rent an apartment

Renting an apartment without a U.S. credit score can be hard, and often requires an increased deposit. We work with a number of tenant screening platforms to help you use your credit from another country. Ask your landlord if they use Yardi, Intellirent, or First Advantage to evaluate your rental application. Questions? Send us an email at

Pre-qualify for an auto loan

We've partnered with Westlake Financial to help you get an auto loan in the United States. Shop from millions of vehicles and pre-qualify for financing with no impact on your U.S. credit score, all from the comfort of your own home.

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Need an apartment guarantor?

The Guarantors can help you qualify for an apartment, even if you have no credit history, income, or savings in the US. Their Lease Guarantee costs less than one month's rent. Instead of pre-paying rent or putting down additional security deposit, use a Lease Guarantee!

Apply now