- Veterans can get a VA loan with no credit by using alternative tradelines like rent or utility payments.
- A co-signer, such as a spouse or fellow service member, may help if you don’t meet VA credit guidelines.
If you're a Veteran and are looking to get a VA loan with no credit history, you may be wondering if it's possible. The short answer is yes, it’s possible to get a VA loan without having established credit.
However, if you have no credit history or your credit score is lower than the required minimum, you may need to rely on alternative methods to prove your creditworthiness.
Let’s take a look at how you can get a VA loan without a credit score.
How to Get a VA Loan With No Credit History
Getting a VA loan with no credit can be difficult, but it is possible. Your lender will likely need you to provide alternative tradelines to prove your creditworthiness or to have a co-signer on the loan.
1. Using Alternative Tradelines
Alternative tradelines are simply monthly payments that don’t report to the credit bureaus, but can be used to show lenders that you're able to consistently pay your bills in full and on time.
Some examples of alternative tradelines include rent, utilities, insurance, storage units and cell phone bills. Policies and guidelines can vary by lender, but they usually want to see several different types of tradelines with a 12-month history.
Note: If you have fewer than three alternative tradelines, a Veterans United underwriter may require additional information.
2. Using a Co-Signer on VA Loans
If you don't have a credit history and have trouble finding a lender to accept your alternative tradelines for loan approval, you may consider adding a co-signer to your loan.
Unlike a co-borrower, a co-signer doesn't officially share the debt but does promise to pay the mortgage if you default on the loan. A co-signer offers the lender extra protection and can factor in their credit score to help account for your credit history.
Unlike traditional mortgages, however, VA loans have restrictions on co-signers. According to VA rules, only a spouse or an unmarried member of the military can co-sign a VA loan.
Ways to Qualify for a VA Loan With or Without a Credit Score
| Option | What’s Involved | Key Requirements | Best For |
|---|---|---|---|
| Traditional Credit Score | Lender evaluates your FICO score based on credit cards, loans and payment history | Minimum credit score set by lender (typically 620); clean recent credit history | Veterans with established credit and minimal recent issues |
| Alternative Tradelines | Use on-time payments for rent, utilities or other non-reported accounts | At least 2 to 3 consistent tradelines with 12-month history (e.g., rent, utilities, insurance) | Veterans with no credit score but strong payment habits |
| Co-Signer | Add a spouse or eligible service member with strong credit to support the loan | Co-signer must be a spouse or unmarried service member; must meet lender credit and VA guidelines | Borrowers with limited or no credit who can’t qualify on their own |
Why Credit Scores are Important to VA Lenders
VA mortgage lenders use credit scores to see how diligent you are at keeping up with your bills over time. Your credit score reflects a range of factors including your payment history, how much credit you’re using compared with the total amount you have available, and how many credit cards and loans you already have.
A high score shows lenders that you can be trusted to repay your debts. It's important to remember that the VA doesn’t set a minimum score; instead, it instructs lenders to look at a borrower's full financial profile before making decisions.
Most VA lenders do set their own internal credit benchmarks, which is typically a minimum 620 credit score. Keep in mind, there are additional credit considerations during the VA mortgage process to be aware of that could impact your loan approval or terms.
Ways to Build Your Credit Score
Building a credit history can take time, especially if you’ve never had a loan or credit card before. One of the easiest ways to build your credit score is by opening a credit card in your name and making one or two small purchases each month.
The goal is to use the account regularly while still keeping as much credit available as possible. This is one of the primary factors in calculating your credit score.
Another option is becoming an authorized user on someone else’s credit card account, but this comes with some additional risks. Tying your credit to an account you don’t completely control means that your scores could also take a hit if the account owner maxes out the card or misses a payment.
Regardless of which route you choose, building your credit score is always going to be a smart financial decision and will help your chances of getting approved for a VA loan once you’re ready.
The Bottom Line
It is possible to get a VA loan with no established credit score or history. By using alternative tradelines that show a strong history of paying your bills, you might be able to secure a VA mortgage.
In the meantime, you can always work to build your credit to make yourself a more attractive borrower in the future. Veterans United can also help build your credit score with a team of expert credit consultants.
How We Maintain Content Accuracy
Our mortgage experts continuously track industry trends, regulatory changes, and market conditions to keep our information accurate and relevant. We update our articles whenever new insights or updates become available to help you make informed homebuying and selling decisions.
Current Version
Nov 25, 2025
Written ByChris Birk
Reviewed ByTara Dometrorch
Updated content for readability and provided more context. Article reviewed and fact checked by team lead underwriter Tara Dometrorch.
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