Rent with no credit check

No Credit Check Apartments 101: How to Rent With Bad Credit

It is difficult to find an apartment that you like and if you have bad credit, it becomes even more difficult.

No credit check apartments are even more difficult to find. Finding an apartment is almost like getting a loan from a bank in the sense that just like a lender would want to perform a credit check to find out if you have the means to repay a loan, the landlord or the owner of the apartment would like to know whether you can make the rent or lease payments on time and regularly or not.

Why? Well when you try to rent an apartment, you are often required to submit to a credit check as a prerequisite. If your FICO credit score is less than average, you may be denied from renting a house.

The Importance of Credit History

Credit history is essential in today’s world. There’s no doubt about that. Your credit is looked at from your cell phone contact, credit card applications, to even an apartment. But if your credit is not good, well, many of the basic necessities — like getting an apartment — can be challenging to say the least.

1) Bad Credit Often Means Paying More

Bad credit is bad for everything. You cannot even get a proper loan from the bank if you have bad credit history. Even if you do get a loan from the bank, you will end up paying more on the interest. It is very important to make sure that your credit is back on track as soon as possible. The way to do this is to try and pay off any overdue balances and maintain good financial habits.

2) Get Your Credit Report so You Can Check for Errors

We absolutely recommend that you get a copy of your credit report so that you can see what is on it. There is no reason why you shouldn’t know exactly what your score is these days.

If you don’t know it, you can sign up with Credit Sesame to see your credit score for free with no credit card needed, monthly fee.

If you take a look at your report and find any inaccuracies make sure that you dispute them. If after an investigation it is found that you truly do not owe the charges on your credit report, you can have the possibility of getting them removed permanently and may perhaps have good enough credit to even pass an apartment credit check.

3) Some landlord / rental agencies also look at Tenancy Screening Reports too

Some companies (especially apartment rental companies) look at other information besides just your credit report. One such report is called the ‘tenant screening report’ which may include your actual RENTAL history. Things like evictions will be listed on this. So even if your credit report is good, if a tenant screening report shows problematic rental history on your part in the past, you still may be denied. Note that only apartment rental companies would utilize this information — individual landlords would likely not go to this effort of screening applicants.

What Credit Score is Required to Pass an Apartment Credit Check?

If you have bad credit and you can’t fix it there are some ways to still get an apartment.

The good news here is that the FICO credit score usually required by landlords for rental checks is less than what’s required to qualify for a mortgage loan. The bad news is, it still has to be good enough.

If you have a credit score of 62o or higher, you should be able to rent an apartment without issue should a credit check be done. If your score is less than 620, you may be considered a ‘high risk’ renter. So check your credit. If you are higher than 620, you can breathe a sigh of relief. If you are not higher than 620, then you will likely be presented as a high risk renter to the landlord.

Furthermore, if you check your credit report and spot inaccuracies, you can dispute these with the credit reporting agency. Such disputes are resolved between 14 to 45 business days, but if you are successful, you could fix your credit score enough to pass a credit check.

Fortunately, even if you can’t fix your bad credit, this doesn’t necessary mean you still can’t rent that apartment.

10 Ways How To (Still) Rent an Apartment WITH Bad Credit History

After looking for the apartment of your dreams for several months it is frustrating to be denied of a place to rent because of bad credit history. If you’re looking for apartments in the wrong places then you are definitely going to hit a dead end when it comes to no credit check apartments. If you are especially worried about bad credit history and if you’re worried that it is going to keep you from getting what you want then, there are other options available to you.

1) Rent An Apartment From an Independent Owner

The key to getting an apartment with no credit check is to find a landlord who does not do credit checks. And the key to doing that is to rent an apartment from an individual / independent owner — that is, rent it from the actual person who owns the unit and not a management company dealing with renting it out or a development company that owns multiple apartments.

While it may be still challenging (apartment owners still often require credit checks as a means of sorting through potential applicants), you will have more luck finding an owner who does not require credit checks than you will finding an management company that does not require checks.

2) Show Up in Person and Explain Your Situation

When you inquire about an apartment, you may have a better chance to convince the landlord to give you the apartment without a credit check (or if they do a credit check, overlook your negative credit score) if you show up in person and they like you. If you only phone in your request and the landlord doesn’t meet you face to face, you are less likely to convince them you are a good renter, even if your credit history is bad.

Individual owners will typically want you to prove your income, so keep this in mind.

Provided you have a stable income (and can prove it to the apartment owner), you may be able to convince the landlord to rent you the apartment. If you don’t have a stable job but you have a savings account with a high enough balance (typically, you will want to show you have enough to pay six months to a year of the apartment in your savings).

If you don’t have a stable job AND bad credit, it’s going to be an uphill battle to find an apartment. But have a stable job AND bad credit, and you can still rent your apartment.

Be prepared, however, to be able to thoroughly document all details of your income and have the documents for your bank to back this up. Don’t expect to simply give your earning figures and your job description alone. You will have to prove the financials.

As a rule of thumb, your rent should only be 25 to 30 percent of your monthly income. That means if you are trying to rent a $1000 a month apartment, you should be earning close to $3000 a month. If you are asked to prove your financials to the landlord and the rent will be MORE than 30 percent of your income, you may be denied.

4) Make an Offer to Move In Right Away

You may be able to stay individual owners to rent their apartment if you make an offer to move in right away. It’s expensive to have an unrented apartment for the landlord, especially if they themselves are paying a mortgage on it. Telling the landlord you will take the apartment and move in right away may just convince them.

5) Pay a Few Months Rent Up Front

A tried and tested strategy is to offer to pay the first couple months up front. This goes a long way to assuage any concerns the landlord may have regarding your financial stability. Some landlords will let you pay the first and last month of rent and thus overlook your credit history.

Consider bringing a reference letter from your previous landlord. Some landlords do require references anyways. If your previous landlord can attest to your reliability as a renter, you might just be able to get by without a credit check.

If all else isn’t working, you can offer the landlord more rent then they are asking to take the chance on you. This will go a long way convincing the landlord to let you rent the place and ignore your credit woes.

7) Ask for a ‘Trial’ Short Term Lease or Month to Month

Look at a short term lease (3 to 6 months) or ask for month to month. If you sign a lease, the landlord can have difficulty evicting you (the process takes up to a full month). This gives the landlord more power and at the end of your short term release, if they have doubts about your ability to keep up timely payments, can opt not to renew you for a longer lease. You might think of this as a ‘trial’ lease.

Finally, if non of the above work then get a cosigner to sign off on the lease. Your cosigner must undergo the same credit check and, should you fail to pay your rent, will be legally liable for your payments. We recommend this only as a last means of getting an apartment with no credit should every other option meet a dead end. The problem with the cosigner option is you must have someone willing to cosign and that person must have better credit than you. Your immediate family are usually the best cosigners and likely the only willing ones.

Another solution is to find a roommate to rent the apartment with you. Likely both of your credits will be checked, but if your roomate has decent credit, the landlord may give you both the apartment to rent. This is similar to the cosigner method, except it’s more of an informal arrangement. Should you ditch the apartment, your roommate will still be liable

10) Go Through a Rental Guarantee Company

As a last ditched solution, you can go through the service of a rental guarantee company that offer a rent grantee program. This is basically a for profit company (you can find these online where you can apply online right away) that look at your situation and your financial ability then, if you pass their criteria, offer two solutions depending on the company:

Option 1: This company will refer you to their own network of companies that won’t do a credit check but will charge you an extra fee for taking the risk. So expect to pay extra on top of your rent or a one time ‘risk’ fee of some sort.

Option 2: Some of these companies will offer you a rental grantee. That is, they will cosign for your apartment and ‘guarantee’ your rent to the landlord. Basically, their credit will be used, not yours. However, for doing so and taking on your risk as their own, they will charge you a fee of some sort (monthly or one time — it varies).

Finding a Landlord Who Doesn’t Require an Apartment Credit Check

This may be a little difficult but there are landlords who indeed rent out apartments without a credit check. These landlords may be new to the business of renting apartments, or they may just not feel that it is important to do a credit check because they have always had good tenants. The bottom line is that IF you search enough, you should be able to find a landlord that won’t do a credit check.

This may bring you to the question as to how to go about this.

The simplest thing is to start by looking at online classifieds like www.craigslist.org. In the housing section of classifieds like these, you can find apartment owners who advertise rentals which do not require credit checks. If you don’t see this, ask them directly if they will do a credit check. No every landlord wants to go through the hassle and cost of a credit check.

Another place where you can look for apartments with no credit check is the classified sections of your local newspaper. These newspapers usually contain a lot of advertisements and usually they are generalized to specific areas. You can search for apartments for rent based on the area that you looking for.

3) Contact Real Estate Agents

Another definite place where you can find landlords who do not carry out credit checks are real estate agents. Real estate agents usually have a lot of information about the house owners and if you keep in touch with one of them they will be able to locate an apartment with no credit check. You may have to pay them a fee to find an apartment, but they may be able to do more for you than you could do for yourself. You may be able to find a much nicer apartment with no credit check with the help of a realtor than you would be able to locate on their own. They would know whether the landlord is running a mom and pop type operation, or whether they are serious about knowing a lot of information about their potential tenants. Real Estate agents would know more of the specifics of what potential landlords are looking for and they may know landlords who won’t require a credit check.

How to Tell if an Apartment Requires a Credit Check

Sometimes, these sources may not have information as to whether the landlord requires a credit check or not. In these cases, it is better for you to approach the landlord yourself and then inquire what the criteria are in order to rent an apartment.

So unless it’s listed directly (sometimes it’s not), you may just have to show up in person to the location for rent and ask the landlord directly.

How can you ask a landlord if they require a credit check without alerting them that you are concerned because of your bad credit? Ask them about the application. You can ask the potential landlord if there is an additional fee for a credit check involved with filling out the application.

The landlord will either say that there is no fee involved with the application because there is no credit check, or they will tell you how much it will cost to do a credit check. Most of the time a landlord will want you to pay the fee for a credit check instead of having to pay it themselves. They may not want to have to purchase a credit check only to find out that you have bad credit and are not an option for becoming a future tenant.

And by the way, you really SHOULD know what your credit score is. Certainly, any apartment manager (or lender) who does a credit check will be. Even if you do have bad credit, it’s a good idea to know where you stand, credit-wise. Once you know the damage, you can begin to take steps to repair your credit. You can check your credit score for $1 or you can go the old fashioned way and send a written letter to the three major credit agencies (Equafax, etc) and request your once a year free credit report. Either way will work.

If you do have a bad credit history, the landlord MAY be still willing to give you the apartment. However, the deal may be that you will have to pay more for the apartment. This amount will be substantially more than what it may actually be worth. If you’re unable to get around the credit check, you might be approved for the apartment if you can pay a higher security deposit for several months of rent before you move into the apartment.

We leave you with a final few tips for finding a non credit check apartment.

Save Up Extra Money if You Have Bad Credit.

One of the ways to get around a credit check is to pay more money. This is either paying a higher security deposit or paying several months of rent (plus security deposit) in advanced and or you may need to show you have enough money in your account to cover your rental period. This means you need to have MORE money saved up than if you had good credit history.

Note that for people with bad credit, landlords may charge double the amount for the security deposit!

So if you do not have a good credit history and you are looking to move to a new place in the near future, it would help if you start saving money and begin looking for a new place as soon as possible. This will make sure that you have the amount necessary to make upfront payments and also the sooner you start looking, the more time you have to prepare.

Keep Looking If You Can’t Find an Apartment Without a Credit Check

There are a lot of places out there. If you keep on searching, you are more likely then not to find one with a landlord that won’t ask for a credit check, or doesn’t care about your credit. Search enough and you will find one.

When All Else Fails, Get a Cosigner

Finally, if you’ve tried everything, get a cosigner if you have someone close to you willing to be one. This is a guaranteed way to pass the credit check, provided your friend or family member has decent credit.

And, bad credit doesn’t have to stay bad credit. Once you do rent an apartment, you need to fix your credit so you don’t have to run into this situation next time around. It’s stressful, and quite frankly, unnecessary. So do the work, practice good financial habits, and work on repairing your credit score over the next year. By the time you need to rent again, you should be able to rent an apartment even with a credit check as it only takes a year or two to fix bad credit.

Need a Bank Account but have ChexSystems problems or Bad Credit?

Try opening a BBVA Compass Free Checking Account! BBVA is one of the more forgiving banks and may give you a full-fledged REGULAR bank account when you apply online. even with bad banking and credit history.

How to Rent a House with no Credit Check

My current tenant managed to rent a house with no credit check, even though I required one on the application. However, as many landlords will agree, a credit check isn't the only or even most important criteria when choosing a responsible tenant. Many mid-priced rental unit landlords expect renters with poor or mediocre credit and will even do away with a credit check if all other factors are favorable. While more expensive units are less flexible and some property managers won't budge on the credit report, it's certainly possible to rent a house with no credit check.

Rent a House with No Credit Check

Look for houses in your price range and desired location by scouring "houses for rent" ads, online classifieds and looking for rental signs in your desired neighborhood.

Call about the houses that most interest you and find out more information, such as number of bedrooms, monthly utility costs, available amenities, required deposits and unique aspects of the house for rent.

Schedule appointments with landlords to visit the houses you would like to follow up about. Often, they will have a set time to show the house to prospective renters. Plant to come at the beginning of this time frame so as to get your application in ahead of the crowd and make the best possible impression.

Bring your identification, proof of income, rental history and a list of professional references with you when you look at the houses for rent.

Make a good impression on your future landlord. Dress respectfully, present yourself well, and most of all, let the landlord know that you pay your rent on time and can afford the rent for the house. Ask if you can add to the landscaping by planting flowers--landlords love to know that their tenants will add to the property value and not detract from it.

Ask for an application. Fill it out and return it on the spot if possible. If there is a request for a credit report or credit check, politely ask if that could be waived if your rental history and income check out. Explain that you have some blips on your credit that you're working to repair and that you are an exemplary tenant and will keep the place in top shape and always pay on time.

Give the landlord your proof of income, rental history and references. Ask when you should expect to hear back and let him know that you're excited about renting the house. Believe it or not, many private landlords go with a "gut9quot; feeling when choosing renters. Make a good first impression, and your credit check will likely be waived.

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Legitimate Rent to Own Online Stores (Some with No Credit Check Required)

It’s no secret that rent to own stores, also called lease to own stores, have a bad reputation. There are dozens of articles just waiting to tell you why you shouldn’t sign a lease with one of these companies — but there are some good reasons to purchase from a rent to own store.

Purchasing products from rent to own stores can be a great way to buy what you need without accruing a lot of credit card debt or having to come up with the money to pay for an item upfront. Some rent to own stores don’t even require credit checks, making their products available to just about anyone.

Even though the overall cost might be more expensive when you choose to rent an item, you won’t have to pay painfully high credit card interest fees, won’t risk damaging your credit by not being able to make credit card payments, and won’t have to make do until you have the funds to pay in full. This article details everything you need to know about rent to own websites.

How Do Rent to Own Companies Work?

When Should You Choose Rent to Own Instead of Purchasing an Item Outright?

The List of Legitimate Rent to Own Online Stores

Online Stores That Offer Extended Payment Plans

How Do Rent to Own Companies Work?

As the name suggests, rent to own stores allow you to rent products, such as large appliances, electronics, and furniture, for low monthly payments. As soon as you make the final payment on the product, it’s yours. The idea is that you rent the product until you own it, but if you decide you no longer want it, you can return it without having to continue making the monthly payments.

Rent to own options are attractive because most places don’t require a credit check and rent to own monthly payments are usually much lower than other repayment plans or credit card payments.However, don’t be deceived. Rent to own is not cheaper than paying in full. It simply provides a way for you to get the things you need now and pay for it in lower payments over a longer period of time.

For example, let’s say you need a new stove. The stove you had your eye on in your local appliance store costs $1,000. That same stove from a rent to own store is $30 per week for 52 weeks. Coming up with $30 a week seems more manageable than coming up with $1,000 on the spot, which is why a lot of people utilize rent to own options. However, if you do the math, your rent to own stove will cost you $1,560 — $560 more than purchasing the stove up front. But just because it’s more expensive overall doesn’t always mean it isn’t the right option for you. There are many reasons why rent to own is a great option.

When Should You Choose Rent to Own Instead of Purchasing an Item Outright?

Since the overall price of rent to own products is always higher than if you were to pay retail, most people will tell you that it’s smarter to purchase the item upfront instead of renting. While that might be true, it isn’t always a feasible option for everyone. Sometimes, renting just makes more sense for your circumstances. You might want to consider a rent to own option if:

  • You want to try out a product before committing to buying it. This is great for furniture, TVs, electronics, and more because you familiarize yourself with the product and decide if it’s something that’s right for you. If it turns out that you don’t like it, simply return the item to the rent to own store and try something else. If you do decide that you want to buy it, you can even return it to the rent to own store and purchase it for an overall lower price at another store. (Be sure to double-check the rental agreement before trying this tactic.)
  • You only need the item for a short amount of time. For example, there’s no sense in buying a new 70-inch TV if you only need it during football season, especially when you can rent a newer, better version every year. It’s also a great option if you just need to temporarily replace something that’s currently being repaired, such as a washing machine or vacuum cleaner.

If you think that a rent to own option is right for you, you’re in luck — there are several legitimate, reputable online rent to own stores that can help you get the items you need. Let’s take a look at the details for some of the most popular online rent to own stores out there.

The List of Legitimate Rent to Own Online Stores

  • Items available for rent: Fitness equipment, engagement rings, computers, electronics, appliances, lawn and landscaping tools, furniture, and music equipment
  • Does Leaseville require a credit check?: No
  • Approval requirements: While Leaseville doesn’t perform credit checks, the company requires the following:
    • Customers must earn at least $1,000 per month.
    • Customers must be employed at the same job for at least six months, self-employed, or on SSI/VA/retirement/long-term disability
    • Customers must have a checking account that’s been open and active for at least three months and that meets the following criteria:
      • Five transactions per month with at least $500 in deposits per month
      • No non-sufficient or excessive overdrafts within the last 30 days
      • No prepaid debit cards
  • Does Leaseville have penalties for late payments?: Not disclosed online. However, keep in mind that payments will be automatically taken out of the checking account.
  • Perks: Leaseville offers customers many benefits, including:
    • No down payment (but the company does require a setup fee of $40 or less before the order is shipped)
    • Customers can own their items in a year or less
    • Two available early pay-off options:
      1. The 90-day buyout option allows customers to purchase the item for the invoice amount within 90 days of the delivery date.
      2. The 65 percent buyout option is for products that the customer has had for over 90 days, which can be purchased for 65% of the remaining balance on the lease.
  • Learn more on this page of the Leaseville website.
  • Start shopping
  • Items available for rent: Fitness and sports equipment, mattresses, furniture, appliances, TVs, musical instruments, tires and wheels, baby and children’s products, and more.
  • Does FlexShopper require a credit check?: Yes, but Flexshopper does rent to customers with bad credit. Shoppers go here to see if they qualify here.
  • Approval requirements: FlexShopper has a few general requirements for applying, including the following:
    • Customers must be 18 years or older.
    • Customers must earn at least $1,000 per month.
    • Customers must live in the U.S. but not in New Jersey, Minnesota, Wisconsin, or Wyoming.
    • Customers must have a bank account that’s been active for at least 90 days.
  • Does FlexShopper have penalties for late payments?: Yes, fees can be assessed for late payments, although the exact amount can vary.
  • Perks: FlexShopper offers customers benefits including:
    • No long-term commitment. Each lease is 52 weeks or shorter.
    • No money down.
    • Early purchase option. Each lease agreement will list an Early Purchase Option amount, and customers can purchase their product at any time by paying that amount.
    • Instant spending limit. Customers can start shopping as soon as they’re qualified.
  • Learn more on the How It Works page of the FlexShopper website.
  • Start shopping
  • Items available for rent: Clothing, phones, TVs, electronics, appliances, and furniture
  • Does Rent Delite require a credit check?: Yes, but the company does rent to those with bad credit. Customers can get approved instantly here.
  • Approval requirements: Rent Delite imposes the following requirements for approval:
    • Customers must be 18 years or older.
    • Customers must have a job or other source of income.
    • Customers must have an email address.
    • Customers must have a credit or debit card.
  • Does Rent Delite have penalties for late payments?: Not specified, but the Rent Delite company website advises customers to call or e-mail a customer service representative if they happen to miss a payment, and the representative can discuss the available options.
  • Perks: Rent Delite offers customers benefits including:
    • Customers can own their items in a year or less.
    • Early payoff — although this depends on how much the customer has already paid and the customer’s state of residence. To request an early payoff quote, contact customer service here.
    • Instant approval. Customers can start shopping as soon as they’re approved.
  • Learn more on the FAQs page of the Rent Delite website.
  • Start shopping
  • Items available for rent: Electronics, TVs, computers, appliances, sporting goods, sunglasses, watches, and more
  • Does YuKeep require a credit check?: Not directly specified, but the website states that the company will “utilize a variety of information from consumer reporting agencies to evaluate your approval/denial worthiness.” Most likely, YuKeep will run a credit check.
  • Approval requirements: YuKeep imposes the following requirements for approval:
    • Customers must be 18 years or older.
    • Customers must have a source of income.
    • Customers must have an active bank account or prepaid card.
  • Does YuKeep have penalties for late payments?: Not specified; late payments may depend on the specific financing plan that the customer chooses.
  • Perks: YuKeep offers customers benefits including:
    • Lease or rent options, which allows customers to return the product or buy it out.
    • No long-term commitment. Most leases are only five months, but if a customer plans to buy the product, the lease can be extended by an additional seven months using the Flexible Lease Ownership payment plan.
    • Early purchase allows customers to buy the product before the end of the lease term, if desired.
    • Flexible lease payments. The customer’s monthly payment amount is based on the frequency of their income and how much of a deposit they want to include in the lease.
  • Learn more on the FAQs page of the YuKeep website.
  • Start shopping

Online Stores That Offer Extended Payment Plans

Don’t see anything on the list of rent to own websites that interests you? Consider one of the following options. These websites, while not rent to own websites, provide extended payment plans, and they’re very similar to rent to own in the sense that you can get the item right away and pay for it over time.

  • Items available: Home, furniture, and patio; clothing, shoes, and jewelry; health and beauty; sports, fitness, and outdoors; tools and home improvement; babies and kids; toys and video games; electronics and office; automotive; gifts, crafts, and holidays
  • Does Fingerhut require a credit check?: No, not for Fingerhut Flex.
  • Approval requirements: Fingerhut offers numerous payment options with varying requirements, but to qualify for Fingerhut Flex, customers must:
    • Earn at least $25,000 a year annually.
    • Have a valid checking or savings account, a payroll card, or a prepaid debit card.
  • Does Fingerhut have penalties for late payments?: Yes; late fees can run up to $38.
  • Perks: Fingerhut provides many perks for customers, including:
    • Automatic review for credit line increases.
    • A huge assortment of name-brand items available for Fingerhut Flex financing.
    • Early payoff programs available.
  • Learn more on the Fingerhut Advantage Credit page of the Fingerhut website and on the Fingerhut Flex page.
  • Start shopping
  • Items available: Home, furniture, and patio; clothing, shoes, and jewelry; health and beauty; sports, fitness, and outdoors; tools and home improvement; babies and kids; toys and video games; electronics and office; automotive; and gifts, crafts, and holidays.
  • Does Gettington require a credit check?: Yes, but Gettington doesn’t specify a minimum credit score needed to qualify for financing approval.
  • Approval requirements: Gettington does not disclose specific approval requirements for financing options, but the company will review the customer’s credit history when they apply.
  • Does Gettington have penalties for late payments?: Yes; late fees can run up to $38.
  • Perks: Gettington offers numerous perks for customers, including:
    • Automatic review for credit line increases.
    • Flexible payment options with low monthly payments available. Monthly payments are determined by the amount of the balance.
    • Minimum payment is 5.5% of the account balance or $20, whichever is greater.
    • Credit/extended payment plans are available for every item on the site.
  • Learn more on the Terms and Conditions page of the Gettington website.
  • Start shopping
  • Items available: Fashion, shoes, jewelry, beauty, home, kitchen and food, electronics, crafts, toys and games, and more.
  • Does Home Shopping Network require a credit check?: Yes, although HSN doesn’t specify a minimum credit score needed to qualify for FlexPay.
  • Approval requirements: Home Shopping Network doesn’t disclose any particular requirements for FlexPay. However, the company does state that a credit score may be reviewed before a customer is approved.
  • Does Home Shopping Network have penalties for late payments?: FlexPay is set up to automatically bill each monthly payment from your credit or debit card. Because FlexPay defaults to automatic payments, the store does not specify any late payment fees.
  • Perks: Home Shopping Network offers several benefits including:
    • The ability to pay for purchases over a period of up to five months.
    • No interest charges or fees for FlexPay.
    • FlexPay is available for all credit card pay types and PayPal accounts.
  • Learn more on the FAQs page of the Home Shopping Network website.
  • Start shopping

Based on online reviews from Consumer Affairs and reports from the Better Business Bureau, we recommend being cautious when signing a rent to own agreement with one of these companies:

  • Colortyme (Customer rating: 1 star; BBB rating: A+)
  • Bestway Rent-to-Own (Customer rating: N/A; BBB rating: F)
  • Rent-A-Center (Customer rating: 1.4 stars; BBB rating: C+)
  • Aaron’s (Customer rating: 1.4 stars; BBB rating: A+)
  • Rent-2-Own (Customer rating: 1.4 stars; BBB rating: A+)

By now, you should be able to decide whether or not you would benefit from using an online rent to own store. You can also check for smaller, local rent to own stores with brick-and-mortar locations in your town by searching “rent to own stores near me.”

While certain popular online rent to own stores may require some extra caution on your part, there are plenty of legitimate rent to own stores that allow customers the opportunity to get what they need with low monthly payments. If you do decide that rent to own is best for you, just be sure that you don’t miss a payment. Otherwise, you could be charged with a fairly significant late fee.

Now that you know how easy it is to get your hands on that new product you’ve had your eye on for a while, what are you waiting for?

Do you want to rent an apartment, but have horrible credit? Most people today have terrible credit and can't get approved by any apartment regardless of having a stable income.

After months of struggling and getting rejected by numerous apartment complexes, I did the research and discovered the hidden method designed to get you into any apartment you want, regardless of how bad your credit is or if you've had previous evictions.

I know what you're feeling. You're frustrated because it seems that there is no solution to getting approved for an apartment. You have horrible credit, maybe even an eviction, and no apartment complex will accept you. I felt like that too, and please read on because I have something to share with you: You absolutely can get in any apartment that you desire.

Did you know that everyday people with the worst credit imaginable and evictions get approved for the apartment of their choice? I found out the trick, want to know how?

This creative method takes only days to get you approved for the apartment that you want, ANY apartment complex will approve you! Does this sound too good to be true? It's not.

You haven't heard of it because most people don't know about it.

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