How to Get an Apartment With ‘Bad’ Credit
5 Min Read | Last updated: September 15, 2025
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Find out how to get an apartment with 'bad' credit. Tips include: providing proof of income, offering to put more money down, and expanding your search.
At-A-Glance
- A low credit score can sometimes hinder your ability to rent an apartment, but there may be more options for low-credit renters than you realize.
- Co-signers, guarantors, additional payments, or references may help boost your chances of approval, even if your credit score is less than ideal.
- Widening your search may help you find a no-credit-check apartment.
Your credit score is a bit like your age in that it’s a number that affects several areas of your life, including where you choose to live. And if your credit score is too low, landlords may be unlikely to rent you an apartment. But there are options to help you land a great apartment, even with a low credit score.
Why Landlords Check Your Credit Score
If a potential landlord checks your credit, it’s usually to gauge how likely it is that you’ll pay your rent in full and on time. After all, with a little more than 34% of housing going to renters, there’s a lot of competition out there – and credit checks can help narrow down who may be a responsible tenant.1,2 Most landlords look for someone with a credit score of 670 or higher.2
But what about the quarter of Americans who have a score under 670?3 Maybe you’re young and only recently started building credit, or perhaps you’ve recently moved to the country and are currently “credit invisible.” There’s also the possibility that you’ve had some ups and downs in your financial history and are working to rebuild your score – a process that takes time.
Regardless of why your score is low, there are steps you can take to show your soon-to-be landlord that you’re more reliable than just a number on your credit report. Think of it like applying to a college. You might not have the best SAT scores, but all those clubs you were in, a stellar essay, and a good recommendation letter could sell you as a valuable member of the community.
Getting an Apartment With ‘Bad Credit’ Might Require Some Extra Work
Laying out your financial strengths doesn’t have to take a one-size-fits-all approach. Try to focus on where your assets lie and why you think you’d be a great tenant – someone your landlord can rely on. Here are some strategies you can use to strengthen your application:
Show your income: Your pay stubs and bank statements can serve you here. Even with a low – or no – credit score, you may be making or saving up more than enough to cover the rent. But since income and savings accounts don't show up on a credit report, your landlord won’t know that unless you volunteer the information.4
Put more money down: If showing income isn’t enough, an offer to pay a larger security deposit can demonstrate that you’re invested in the apartment. Likewise, a landlord may request a few months’ rent in advance, instead of the standard first and last month. A larger down payment might provide evidence that you’re financially sound enough to support the rent on the apartment.4
Always be honest: Being up-front, especially when you know that they will be checking your credit score, can save you a lot of time – not to mention the fees that can come with credit checks. If your credit history was off to a rocky start but you’re working to rebuild your score, consider letting your future landlord know.
Expand your search: You may be able to find a no-credit-check apartment by renting from smaller landlords or property owners. This is because they’re less likely to follow a company guideline or checklist for vetting potential tenants. Similarly, if you look farther away from larger cities or high-price and high-traffic areas, you may find something you qualify for without having to show your income or put more money down.5
Teamwork Can Also Help Prospective Renters
Having some "teammates" on your side can help boost your chances of approval. Teammates for a renter can take a few different forms:
Roommates: Going in with a roommate can spread out the liability for the landlord and make a stronger case that you’ll be able to cover the rent – especially if the roommate has a higher credit score or income than you do.4
Co-signers: A co-signer, such as a parent or family member, doesn’t necessarily live at the apartment with you but can supply a stronger financial backing for the landlord. If you fall behind on rent, your co-signer will be fully responsible for it.4
References: Recommendation letters and references can be a great way to show the strength and reliability of your character. If you can get a letter from a previous landlord stating that you were a model tenant who never missed rent payments, caused damage, or made problems for the landlord, it might help you overcome the challenges of apartment hunting with bad credit.4
Finally, the best way to stop bad credit from getting in the way of renting an apartment is to raise your credit score. Although that may seem like a long-term solution to a short-term problem when you’re looking for a place to live, it can help you when it comes time for your next apartment search.
Frequently Asked Questions
There’s no make-or-break number when it comes to the credit score needed to rent an apartment. Not all landlords have requirements, and for those that do, it may vary by location as well as property type. There are also different scoring models in use for credit scores, and not all property managers may use the same scale. A score in the “good” category may get you the best chance of approval.
Even with a low credit score, it may still be possible to rent an apartment. You will need to find a landlord or property management company that chooses not to run credit checks, allows co-signors or guarantors, or is satisfied with some of the other evidence you can provide as to your creditworthiness.
It varies, but landlords look for much the same things that any lender looks for in a credit report: your history of paying your bills on time, your total debt, the types of debt you carry, and any missed payments or periods of delinquency. These all add up to a picture of a renter they can trust—or not.
The Takeaway
Credit scores can seem like stark, objective rankings when our financial reputations often have more nuance. Although it can be challenging to find an apartment when you have bad credit, there are steps that you can take to help demonstrate your reliability as a renter. The more evidence you can provide and the more sources that can vouch for you, the better your chances of securing that perfect place to live.
1 “The state of affordable housing in the US,” Pew Research Center
2 “What Do Landlords Look for in a Credit Check?,” Experian
3 “What Is the Average Credit Score in the US?,” Experian
4 “How to Get an Apartment With Bad Credit,” Experian
5 “Can I Rent an Apartment Without a Credit Check?,” Experian
Ryan Lynch is a freelance writer, educator, and musician whose work concentrates on finance, STEM, and the arts.
All Credit Intel content is written by freelance authors and commissioned and paid for by American Express.
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