I had been denied four times because my credit was thin from being a freelancer. ShareCredit paired me with a guarantor in less than an hour. I signed my lease the next day.
Maya Rodriguez
Get approved without perfect credit.
Credit alone shouldn’t keep you from the home you want. We look at your income and rental history too, and match you with a guarantor if you need one.
Apply in a few minutes. No impact to your credit score.$79 application fee (refundable if you don't qualify)Your Application
pre-qualified
Verified
94EXCELLENTShareCredit Score
You're approval-ready.
Based on income, rental history, and verified credit, and shared with the property manager.
✓Income verified$78,000/yr
✓Rental history confirmed3 years clean
✓Guarantor matchedAlex M.
✓Lease Guarantee active$2,400/mo
FOR RENTERS
Your verified renter profile.
We verify your identity, income, and employment once, and property managers see it all in one profile.
- ✓Build your verified renter profile
- ✓Get a guarantor if you need one
- ✓Share your profile with property managers
- ✓Apply even with thin credit
- ✓No hard pull on credit
- ✓Credit score and report included with your application
- ✓$79 application fee (refundable if you don't qualify)
Renter Profile✓Verified
✓Identity Verified✓
✓Income Verified✓
✓Employment Verified✓
✓Background Check✓
ShareCredit Score
92
92ShareCredit made renting so much easier. I got approved for my dream apartment in days!
Your path to a leaseHow renter approval works
- 1
Submit your application
No hard credit pull. Your $79 application fee (refundable if you don't qualify) includes your credit score and report.
A few min - 2
Get your ShareCredit Score
We review your credit, income, and rental history and give you a ShareCredit Score within 1–2 business days.
1–2 business days - 3
Match with a guarantor
If you need one, we match you with a vetted guarantor from our guarantor network once your score is ready.
Varies - 4
Sign your lease and move in
Your lease is backed by the ShareCredit Lease Guarantee, which covers missed rent for the property manager.
Move-in day - 5
Build credit as you pay rent
Approved renters get credit monitoring and rent reporting, so paying rent on time helps build your credit score.
Ongoing
ready to move quickly
Here's what you need to qualify.
You don't need perfect credit, six figures in savings, or a parent willing to co-sign. You just need to be honest about your finances, ready to move in within 90 days, and committed to paying your rent on time.
- ✓Verifiable income from any source (W-2, 1099, business, benefits)
- ✓Credit score of 550+, or thin credit with a strong rental history
- ✓U.S. resident, age 18 or older
- ✓Looking to move within the next 90 days
- ✓Renting a property in the U.S.
RENTER STORIESReal renters. Real results.
My credit score dropped after a divorce. Every landlord said no. ShareCredit looked at my income — which was real and stable — and got me into a great apartment two weeks later.
James Patterson
I just graduated and had zero rental history. Mom and dad live overseas, so they couldn't co-sign. ShareCredit handled everything — I had keys in 9 days.
Aisha Khan
Apply in a few minutes