In the United States, a strong credit rating is a critical component for all your financial dealings, affecting everything from what you pay for insurance to approval for a rental or cell phone contract. One of the easiest ways to establish good credit in the U.S. is to open a loan account and make on-time payments.

While that's not typically a simple process for many foreign citizens, RBC Bank has the unique ability to help cross-border clients leverage their Canadian credit history and their RBC Royal BankTM history to obtain a credit card, mortgage loan, or line of credit.

Current lending options available at RBC Bank include:

  • RBC Bank credit cards
  • Mortgage
  • Home equity line of credit
  • Personal line of credit

When you apply for your first RBC Bank loan or line of credit, we can use your Canadian Social Insurance Number (SIN) to access your Canadian credit file and get the information we need to approve your application. Once your loan account is opened, you're building a credit history in the U.S. However, to ensure that your credit file is complete and reported accurately, you'll need a United States Social Security Number (SSN). For information on how to obtain one, please visit

All credit is subject to approval.
1 All loans are subject to approval, including verification of acceptable income, creditworthiness, and property valuations. Minimum and maximum property values and maximum loan-to-value ratios apply. Homeowner’s insurance is required for all loans, and flood insurance is required if property is located in a Special Flood Hazard Area. There are closing costs associated with these products.