In the US, renting an apartment feels like applying for a top-secret job. Landlords will ask for your Social Security Number, your salary, and a "Credit Check."
But what if you just arrived and your credit score is still a 0? At Simple Finance US, we’ve helped hundreds of newcomers secure their first home. Here is the 2026 strategy for getting approved without a credit history.
1. Target "Private Landlords" first
Large apartment corporations (the big buildings with fancy gyms) use automated software. If the software sees "No Credit Score," it automatically sends a rejection email.
The Move: Look for "For Rent by Owner" signs or listings on Facebook Marketplace and Craigslist.
The Benefit: A human being is making the decision. You can sit down with them, show them your passport and job offer, and explain your situation.
2. The "Financial Proof" Bundle
Since the landlord can’t see your credit history, you must prove you are "liquid" (have cash). Prepare a folder with:
Your Employment Offer Letter: Showing exactly how much you will earn.
3 Months of Bank Statements: (Even from your home country, if they are translated).
The "3x Rule": In the US, your monthly income should be at least 3 times the rent. If rent is $2,000, you need to show you earn $6,000 a month.
3. Offer a Larger Security Deposit
Money speaks louder than a credit score.
The Strategy: A standard deposit is one month’s rent. If you have the savings, offer to pay two months as a deposit, or pay the first three months of rent upfront.
Note: In some states like New York or California, there are limits on how much a landlord can legally take. Check your local laws!
When I moved to my first apartment, I had no US credit. I asked my boss at my new job to write a short letter. It said: "He is a full-time employee in good standing, and he is a reliable person." I also got a letter from my previous landlord in my home country (translated to English). I handed these to the landlord with a smile. He told me later, "I had 5 other people apply with better credit, but I chose you because you were the only one who seemed organized and professional." Character matters.
4. Use a "Guarantor" or Co-signer
If a landlord is still nervous, they might ask for a Guarantor.
What it is: A person (usually living in the US) with a high credit score who signs the lease with you. If you don't pay the rent, the government can go after their money.
The 2026 Solution: If you don't know anyone in the US, there are companies like TheGuarantors or Insurent. You pay them a fee (usually 5%–10% of the annual rent), and they act as your "US Co-signer."
5. Check for "Concessions" in 2026
Because many new apartments were built in 2025, many landlords in 2026 are offering "Concessions."
What to look for: Look for listings that say "1 Month Free" or "No Application Fee." These landlords are desperate to fill rooms and are often more flexible with newcomers who have no credit.
🧐 Frequently Asked Questions (FAQ)
1. What is an "Application Fee"? It’s a fee (usually $30–$75) to pay for your background check. In the US, you pay this for every apartment you apply to. Don't apply unless you are 90% sure you want the place!
2. Can I rent with just a Passport/Visa? Yes. You do not legally need a Social Security Number (SSN) to rent, though some automated systems require it. Just provide your Passport and Visa (I-94) as proof of identity.
3. What is "Renters Insurance"? Most US landlords require this. It costs about $15/month and protects your stuff if there is a fire or theft. (The landlord’s insurance only covers the building, not your laptop or clothes!)
4. How do I avoid "Rental Scams"? Never send a deposit via Zelle or Wire Transfer before you have physically walked inside the apartment and met the landlord. If the price is "too good to be true," it’s a scam.
Final Thoughts
Your first apartment is your "base of operations" in America. It might not be your dream home yet, but once you live there for a year and pay your rent on time, you can use that "Rental History" to get a much better place next year!
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