Over the years, it has become more prominent that immigrant entrepreneurship contributes to significant business growth in the United States of America (Lee & Black, 2017; Teixeria, 2001). Insufficient financial literacy has led to many African immigrants trapped in the low wage job without entrepreneurial needed resources that would have provided them with supplementary or alternative income (Arthur, 2016). The general problem is that entrepreneurial African immigrants are not adequately equipped to support themselves with insufficient financial literacy in America (Gibson, David, & Bilal, 2014). The specific problem is the inadequate knowledge of African immigrant of American credit system in preparation and ability to