How to Get an Apartment with Bad Credit

An ideal credit score when renting is usually 600 or higher, but many renters can still qualify for an apartment or rent a house with a lower score. Your credit score is one of many factors landlords use to evaluate your reliability as a tenant. Showing proof of stable employment, consistent on-time payments, or providing references from previous landlords can make a strong case for approving your rental application, especially when trying to rent with bad credit.

In this guide, we’ll share tips on how to get an apartment with “bad” credit to help you navigate the rental process with confidence.

Check your credit report for discrepancies

First, check your credit report for any errors. Mistakes happen more often than you’d think, and disputing them can sometimes give your score a quick boost. Request a free credit report from the three major credit bureaus (Experian, Equifax, and TransUnion) using AnnualCreditReport.com. 

Review your credit report to ensure it is free of errors, and identify areas that need improvement. Credit inaccuracies can drag down your score, which is why it’s best to dispute them as soon as you become aware.

Be upfront and honest about your credit

Transparency can go a long way with landlords and property managers. When you submit your rental application (or before), inform the property owner of your less-than-perfect credit score. Sharing the reasons behind your credit issues (such as unexpected medical expenses or job loss) and the steps you’re taking to improve your score can help build a strong landlord-tenant relationship. A proactive approach shows responsibility and accountability. 

Pay more upfront

Nothing speaks louder than financial reassurance. Offering a higher security deposit or prepaying several months’ rent in advance, if allowed by your local laws, can help you win over landlords who may have reservations. Paying more upfront demonstrates your commitment to renting the unit and your ability to pay rent moving forward. 

Provide strong references 

A glowing review from a previous landlord or employer can help offset concerns about your credit. References that vouch for your reliability, character, and ability to pay rent on time can strengthen your application. 

Secure a co-signer 

Ask a trusted friend or family member with strong credit to co-sign your lease. A co-signer shares financial responsibility for the lease terms and can help you access rentals that might otherwise be out of reach. Just be mindful that co-signers take on financial responsibility if you’re unable to meet your obligations. Make sure you choose a reliable person to be your co-signer, and that they are aware of their responsibilities. 

Highlight positive financial behavior 

Landlords often appreciate seeing that you’re making strides toward financial stability. Bring proof of consistent income, recent pay stubs, or a clear budget plan to demonstrate financial discipline. You can also report your on-time rent payments through the Zillow rental payments platform. We’ll notify Equifax and Experian to help you build credit over time, for free.

Find a private landlord 

Large apartment communities often have tenant screening policies with credit score minimums. Private landlords may be more flexible and willing to consider compensating factors, especially if you communicate effectively with them. 

Apply with a roommate

Applying with a roommate can work in your favor, especially if they have a stronger credit history. Two names on the lease means shared financial responsibility, which can reassure landlords and increase your odds of approval. Just make sure you're aligned on expectations and living styles with your future roommate. 

Find a room for rent

If you’re open to renting a room rather than an entire apartment, this can be a more affordable and flexible option. Renting a room often involves private landlords or individual tenants who may have fewer rigid requirements. Explore available rooms for rent near you on Zillow to find a living situation that fits your budget and lifestyle.

Take steps toward building credit

Thankfully, a bad credit score can be improved. When renting an apartment with bad credit, start by making on-time rent payments and reporting them to credit bureaus. Each on-time payment can bring you one step closer to your ideal credit score. 

Your credit score is influenced by several factors, including on-time payments, lines of credit, and your account balances. Start by evaluating your unique financial situation and determining the best way to improve your credit score. 

This article is provided for informational purposes only and is not intended for legal, financial, or professional advice. Rental laws and requirements can vary significantly by state, city and locality. Consult with a qualified attorney, real estate professional or appropriate authority in your jurisdiction for advice based on your specific set of facts and circumstances.