HOME AND NEIGHBORHOODS · 4 MIN
Renting an apartment without US credit or an SSN
In short
Co-signers, guarantor companies, bigger deposits, prepaying rent and offer letters: ways newcomers get approved.
Most newcomers have no US credit history. Landlords know this. Here are the usual ways to get approved.
1. Ask first
Before paying an application fee, ask: "I am new to the US and have no US credit history. What do you accept instead?" Large complexes often have a written policy for international renters and students.
2. Show income or money
Job offer letter with salary and start date, on company letterhead.
University letter or I-20/DS-2019 showing funding.
Bank statements showing savings (from a US or home bank, translated if needed).
3. A larger deposit
Some landlords approve you if you pay a bigger security deposit, such as two months of rent instead of one. Some states limit how much a deposit can be. This differs by state.
4. Prepaying rent
Some landlords accept several months of rent in advance. This is risky: if the landlord is a scammer, or the place has problems, getting money back is hard. Never prepay before seeing the place and signing a lease. Get a receipt.
5. A co-signer or guarantor
A co-signer or guarantor is a person who promises to pay if you do not. Usually they must live in the US, have good credit and earn several times the rent (often 4 to 5 times).
A friend, relative or sometimes an employer may agree.
6. Guarantor companies
Guarantor companies (also called lease guarantee companies) act as your co-signer for a fee. The fee is often a share of one month's rent or of a year's rent, paid once per lease. Ask the landlord which companies they accept. Read the terms: if you do not pay, the company pays the landlord and then collects from you.
7. Other routes
Corporate housing or employer housing help, if you moved for a job. Ask HR about relocation support.
University housing for students and sometimes for families.
Smaller landlords (one owner, a few units) may decide after meeting you.
Renting a room from someone who already holds a lease.
Building your record
Pay rent on time, by bank transfer or the portal, so you have a record.
Some portals can report rent payments to credit bureaus. Ask.
Get a letter from your landlord at the end of the lease saying you paid on time. It helps with the next rental.
Common mistakes
Paying a stranger online for a "guarantor service" that the landlord has never heard of.
Paying 6 to 12 months in cash with no lease and no receipt.
Thinking you will be "rejected for no SSN" and not asking. Many places accept a passport and other proof.
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