diff --git a/src/lib.rs b/src/lib.rs
index 20ef2f0..f6c9439 100644
--- a/src/lib.rs
+++ b/src/lib.rs
@@ -33,6 +33,7 @@ pub use netrc::{Authenticator, Netrc};
 use std::fs;
 use std::io;
 use std::io::ErrorKind;
+use std::iter::repeat;
 use std::path::{Path, PathBuf};
 use std::result;
 
@@ -85,11 +86,15 @@ impl Netrc {
     /// Look up the `NETRC` environment variable if it is defined else that the
     /// default `$HOME/.netrc` file.
     pub fn get_file() -> Option<PathBuf> {
-        std::env::var("NETRC")
-            .map(|x| PathBuf::from(&x))
-            .or(std::env::var("HOME").map(|h| Path::new(&h).join(".netrc")))
-            .ok()
-            .and_then(|f| if f.exists() { Some(f) } else { None })
+        let env_var = std::env::var("NETRC").ok().map(|file| PathBuf::from(file));
+
+        let user_home = ["HOME", "USERPROFILE"]
+            .iter()
+            .filter_map(|x| std::env::var(x).ok())
+            .flat_map(|home| repeat(home).zip([".netrc", "_netrc"]))
+            .map(|(home, file)| PathBuf::from(home).join(file));
+
+        env_var.into_iter().chain(user_home).find(|f| f.exists())
     }
 }