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Housing instability and financial stress continue to affect renters across the country, especially those facing temporary hardship. Esusu and PadSplit partnered to support residents with tools designed to strengthen both housing stability and financial health, including positive rent reporting and rent relief resources.
About Padsplit
Founded in 2017 and based in Atlanta, PadSplit provides furnished private rooms through a shared housing model built to make housing more accessible and flexible. Weekly payment options, fast approvals, and a model designed to help members save compared with traditional rentals.
Members do not need a minimum credit score to move in, and on-time payments can help members build credit through its partnership with Esusu.
Expanding the Partnership
As housing affordability pressures continued, the partnership expanded beyond credit building alone. Esusu’s rent relief support was positioned to help qualifying PadSplit members stay housed during periods of financial hardship, while ongoing rent reporting helped members build credit through positive payment history.
Rent Relief is designed to support renters facing temporary financial hardship and is offered in partnership with Stable Home Fund, a 501(c)(3) public charity. The program helps eligible residents catch up on past-due rent, avoid eviction, and regain financial stability. Eligible residents may qualify for up to three months of rental assistance, with a maximum of $5,000, depending on program criteria and available funding.
Historical Results From the Partnership
At the time this partnership story was originally published, Esusu and PadSplit reported strong early outcomes. Those historical results included 88 percent of PadSplit residents improving their credit scores and more than $46,000 deployed in rent relief as of that point in time.
More detailed historical case study materials also describe results such as support delivered to 56 members, an average 48-point credit score increase for participating members, and more than 1,300 residents establishing credit scores for the first time through the partnership. These figures should be understood as historical snapshots tied to that stage of the program, not as a current live performance claim.
Looking Ahead
The core idea behind the partnership remains relevant today: helping renters stay housed while creating opportunities to build credit through positive financial behavior. Rent reporting and rent relief can work together to support both short-term stability and longer-term financial progress.
To learn more about Esusu’s current Rent Relief program, visit the Rent Relief page for the latest eligibility requirements, application details, and program updates.