Use your international credit to finance a Verizon phone FAQs

Verizon understands that it takes time to build a credit history when you move to the US. If you have insufficient credit history, we’ve made it possible to use credit from select countries to take advantage of Verizon's device payments.

If you're approved, you can buy a top device brand and pay for it over 36 months, at no interest, with partial or no down payment.

Important: You must open a new account with Verizon to take advantage of this option.

Visit our Device Payment FAQs to learn about making payments, upgrading with device payments and more.

If you're approved for 0% interest financing, you get a specific credit amount to use for eligible mobile devices:

• Smartphones
• Tablets
• Mobile hotspot device
• Laptops
• Basic phones
• Hum^x
• Smartwatches

You pay for the device in 36 monthly installments. Visit our Device Payment FAQs to learn more.

Note: You can take advantage of any device promotion, as long as the device cost is within your credit limit. Shop for a device today.

Nova Credit is a US-based company that lets credit providers access global credit data in certain countries. If you have insufficient US credit history, Verizon's partnership with Nova Credit makes your international credit history accessible to use for financing in the US.

Learn more about Nova Credit.

You can get approved ahead of time and pick up your device at a Verizon store. However, devices must be picked up within 3 days of the date you placed the order online:

• Any items not picked up within 3 days are automatically canceled.
• The Account Owner or Account Manager must be present and bring a valid government-issued photo ID.
• If you paid for the order with a credit or debit card, you must bring that payment card with you.

Note: Not all items are eligible for in-store pickup. Learn more with our Verizon In-Store & Curbside Pickup FAQs.

Yes, you can use this service free of charge to apply to buy a device with device payments.

Your international credit check is separate from your US credit:

• Your application through Nova Credit won't affect any US credit history you may have.
• For some international credit bureaus, an inquiry from a credit issuer may be noted on your credit report and can affect your credit score.

No. Using this option doesn't permanently transfer your international credit history to the US. If you have insufficient US credit history, Verizon accesses your international credit history only for your device purchase application.

You can choose a mobile calling plan during the device purchase process. If you choose a current Unlimited plan, you may be eligible for certain discounts and promotions.

Visit our Unlimited plans page to learn more about Verizon calling plans and discounts.

You can choose a calling plan during your device purchase process. After your Verizon account is set up, you can choose to add an International calling plan.

Learn more about the Global Calling Plus and Global Choice International calling plans.

Anyone from select countries with an international credit history can apply to buy a top device brand and make payments over 36 months at 0% interest. This includes those working, studying, and living in the US.

Important: You must open a new account with Verizon to take advantage of this option.

Yes. You can apply to buy a new smartphone at 0% interest without a US social security number or an Individual Taxpayer Identification Number. If you had a secured credit card or credit history in your home country, we can use that credit history through our partnership with Nova Credit.

Credit history from these countries can be used to apply for device financing: Australia, Brazil, Canada, Dominican Republic, India, Kenya, Mexico, Nigeria, Philippines, South Korea, Spain, United Kingdom.*

We're constantly working to add new countries. Please check back in the coming months to see additional countries and credit bureaus.

*Great Britain, Wales, Scotland, Northern Ireland.

Credit history from these credit bureaus is currently available:

• Australia Equifax
• Brazil Serasa
• Canada Transunion
• Dominican Republic Transunion
• India Transunion
• Kenya CreditInfo
• Mexico Buro de Credito or Circulo de Credito
• Nigeria CRC
• Philippines Transunion
• South Korea NICE
• Spain Transunion
• United Kingdom Equifax

We're constantly working to add new credit bureaus. Please check back in the coming months to see additional countries and credit bureaus.

When applying for 0% interest device payments with Verizon, choose the most recent country in which you had a secured credit card or loan.

To apply for 0% financing using your international credit, just shop for and choose a new device through the Verizon international credit page.

Important: You must shop from the international credit page to access the international credit option.

Here's the purchase and credit application process:

1. Click or tap Buy when you find your new device.
   • During checkout, you have the option to add accessories, choose a mobile phone plan and add device protection.
   • You add an international calling plan later, after your account is set up.
2. Choose Begin secure checkout.
   • The device payment monthly price and the total retail price is shown.
3. Choose Continue with international credit via Nova Credit.
4. Choose your international country.
5. Complete the fields required to match and retrieve your translated international credit score.
6. Create a Nova account PIN. (Keep the PIN so you can return and view your application if needed.)
7. View your credit decision and credit limit:
   • If the device you chose is more than your limit, the extra balance is due at checkout.
   • If your credit isn't approved, consider other options for mobile service with Verizon.

View our Device Payment FAQs to learn more.

*This is the country-specific version of a US social security number.

To find your credit history and verify your identity, you may need to enter your most recent address in the country where you have credit history. If you aren't sure what that address is, look at old bills, check Google Maps or call a family member to help.

Nova might not be able to access your international credit report for many reasons, including:

• No credit report in your home country.
• Insufficient credit history to produce a full credit report.
• Personal information not entered correctly (e.g., name, date of birth, foreign address, foreign ID number).
• Verification questions not answered correctly.

If you weren't offered credit or not enough credit for the device of your choice you can:

• Pay full retail price to buy a new device or a certified pre owned device
• Consider a Prepaid phone plan

You can also consider bringing your own device (BYOD) to Verizon. However, many Android™ and iOS devices brought in from other countries don’t work on US networks.

Check if your device works on the Verizon network.

In rare cases, a technical error or a bureau outage may occur during the credit check. If you see this message, try submitting your request again later.

You can visit Nova Credit for any support inquiries.