For Renters
Strengthen your application and get a “yes”
Apply online, get a personalized quote based on your financial profile, and send an insurance-backed guarantee straight to your landlord.
Apply before you’ve found an apartment, or after a landlord asks you for a guarantor — either works.
monthly rent
That’s what many landlords want you to earn
On top of that, they often want established U.S. credit, or a personal guarantor earning significantly more than you. Those rules exclude a lot of renters who are perfectly capable of paying.
The income rule
A single multiple of rent decides everything, no matter what your savings look like.
The credit rule
Years of U.S. credit history you may simply not have had the chance to build.
The guarantor rule
A family member willing to take on your full liability — and earn far more than you.
We look at more than a single number
If you’re approved, you pay a one-time premium and we issue a lease guarantee protecting your landlord — often the extra confidence they need to say yes.
How It Works
Five steps to your next home
1
Create your free account
Tell us who you are, plus the basics about your income, employment, and rental plans.
2
Share your financial information
Depending on your situation, we may ask for some of the following:
International applicants can apply without any established U.S. credit history.
3
Receive your decision and quote
If you’re approved, you’ll get a personalized offer based on your financial profile, the rent, the lease term, and the coverage the property requires.
Applying is free — you’re never charged just for receiving a quote.
4
Add your apartment
Once you’ve found a home, enter the property and lease details. We’ll confirm them with the landlord or leasing team directly.
Already found the apartment? Start here and give us the property details right away.
5
Pay and move forward
Once your landlord confirms the lease details, you can accept the offer and pay the one-time premium. We issue the guarantee to the landlord so you can get on with signing.
Walk into showings with a stronger application
You don’t have to wait for a landlord to reject you. Get pre-approved first and you’ll know where you stand before you start viewing.
See what rent range is actually realistic
Show brokers you already have a guarantor option
Focus on buildings that accept institutional guarantees
Move fast when the right apartment appears
Skip asking a family member to take on your liability
PandaGuarantee
Pre-Approval
Approved
Indicative rent range
$2,400 – $3,600 / month
Guarantor required from family
None
Illustrative. Your final offer depends on the property and lease.
Sound Familiar?
You might recognise yourself here
International renters
Students
Graduates & new hires
Self-employed renters
Thin or neglected credit
Relocating professionals
Your responsibilities don’t change
The guarantee protects your landlord. It doesn’t pay your rent for you or release you from the lease.
You must still
Pay rent on time
Care for the apartment
Follow the lease terms
Keep any required renters insurance
Tell the landlord if a problem arises
If the insurance company pays a claim because you didn’t meet your lease obligations, you’re required to reimburse that amount.
FAQ
Frequently Asked Questions
Is applying free?
Do I need to have an apartment already?
Does every landlord accept PandaGuarantee?
Can I apply with roommates?
Can international renters apply?
Does applying guarantee I’ll be approved?
Is the premium refundable?
Create a free account and find out whether PandaGuarantee can strengthen your application.
Approval, pricing, coverage, and availability are subject to underwriting, eligibility, property participation, and the terms, conditions, limits, and exclusions of the applicable guarantee. A lease guarantee protects the landlord and does not pay rent on your behalf. Coverage is underwritten by a surplus-lines insurer and placed through a licensed surplus-lines agent.
Fill Vacancies, Risk-Free.