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Flexible rent built for real life
Affirm via Esusu Pay, helps your residents pay rent on time while giving them the flexibility they need. You get consistency. They get options. Everyone wins.
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How It Works
Residents Subscribe to Plus or Premium
They unlock Esusu Pay, credit building, and financial coaching.
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Residents Choose Affirm
Residents get the flexibility they need with Affirm's trusted platform
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You Get Paid On Time
Funds are sent directly to your account
You get Rent Paid on time.
Renters get more Flexibility.
Your property still receives the full amount up front, but with Affirm via Esusu Pay, residents pay in two simple payments.
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Reliable Rent Flow
You receive rent on time, while the resident pays over time.
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Zero Financial Risk
Your property is paid in full upfront
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Seamless Implementation
Quick integration with Esusu so your team can get started fast.
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Flexible for Residents
Rent fits their pay schedule and gives them room to breathe financially.
Trusted Partnership
Affirm, a leader in responsible lending, and Esusu, trusted by the nation’s top property owners.
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Stronger Retention
Payment flexibility improves satisfaction and lowers turnover across your portfolio.
Why Partner With Esusu
With Affirm via Esusu Pay, you get paid. Your residents get options
626
property partners nationwide trust Esusu
45-Point
average credit score lift among Esusu renters
*Based on active renters with available credit score data as of June 2024. Individual results may vary. Credit scores are determined by credit bureaus based upon existing credit profile, credit utilization, payment history and other credit factors.
Same Rent. Smarter Payments.
Learn More About Esusu Pay TodayFrequently Asked Questions
Through the Affirm and Esusu partnership, eligible renters can apply for a short-term loan (Pay in 2) to cover rent upfront and repay over time, offering greater financial flexibility and support for rent payments.
Affirm, a leading fintech company known for 'Buy Now, Pay Later' solutions, acts as the lender, underwriting and issuing rent payment loans in this partnership.
Esusu is a mission-driven fintech that helps renters build credit and access financial tools. It connects renters to rent reporting, rent relief, financial coaching, tax filing, and now flexible rent payments through Affirm.
Download the Esusu App, subscribe to our services, and confirm your rental information to get started.
You can apply for one loan per month. For each month that you want to split rent, you will need to apply again.
Renters living in participating Esusu properties may be eligible to apply, provided they meet the program's basic criteria: residing in a partner property and passing an identity verification process to confirm their rental unit.
Your expected monthly rental obligation will be prepopulated based on the lease details from your landlord’s property management system. You will not be able to adjust the amount.
No. Affirm can only be used to cover rent through Esusu.
No. Qualification through Esusu confirms your eligibility to participate in the program and apply for a loan with Affirm. However, final approval is subject to Affirm’s eligibility check.
Yes. Even if Esusu confirms your qualification to participate in the program as a renter in a partner property, Affirm will perform a credit and risk assessment before approving the offer. Esusu cannot override Affirm’s decision.
Affirm’s decision is final. However, you can apply again in the future and Affirm will perform a new eligibility check.
You’ll confirm your loan with Affirm, and then receive a confirmation email. Once your offer is finalized, the approved funds will be transferred into your landlord's bank account within 2-5 business days.
You can make or schedule payments at affirm.com or in the Affirm mobile app (available for iOS and Android). Affirm will also send payment reminders via email and text.
Yes! You can pay off your Affirm loan early at any time without penalty.
No. Affirm will not charge interest or loan fees for this product.
Once your Affirm loan has been confirmed, funds will be settled to your landlord. Refunds will depend on your landlord’s policies - Affirm cannot provide a refund without confirmation from Esusu (and your landlord).
It generally takes 2–5 business days for your rent payment to be processed and reflected on your ledger. To avoid delays, please make sure you apply for your loan at least 7 days before your rent due date.
No. You can only apply for the rent amount that’s currently due for the upcoming month. We don’t support applications for future month’s rent at this time.
Please contact Affirm directly for questions related to your application, loan, payment schedule, or account access at Affirm Support.
Contact Esusu Support at rentsupport@esusu.org or call us at (929) 269-8032. We will work directly with you and your property management team to resolve any issues related to payment settlement or posting delays.