What Credit Score Do You Need to Rent an Apartment? (And How to Build It)
Learn more

Rent that 
works for you

Build your credit. Split your rent. 

All without taking on additional debt.
4.7 App Store Rating
Download the app

What's Inside Your Membership

Split Rent Payments

Complete a quick application to see if you're eligible (no hard credit check).
View Split Pay

Credit Building

Rent reporting to all 3 bureaus,  credit monitoring and Esusu Passport.
More about credit building

Financial Growth

Insights and resources to make smarter financial decisions.
Access your benefits

Tax Filing

Submit your taxes through april via the Esusu app on your own schedule.
Tax Filing Service

Turn Rent Into Something More

Build Credit

Your on-time rent payments can help build your credit history*, opening the door to better financial opportunities.

Create Flexibility

With tools like rent splitting, you can pay rent in a way that actually fits your life.

Support Your Future

From credit monitoring to financial tools, we give you more control over where your money is going and what it’s doing for your financial health.

Join millions of renters building a better financial future.

+53pts

Average credit 
score increase*

5M+

Residents Served

4.7

App Store rating

Available on App Store and Play Store

Real Results

From
Real Renters

“I have been using Esusu for under a year. My experience with building credit and financial stability before Esusu was non existent because I didn’t have financial discipline. Esusu has had such a positive financial impact on my life with its extensive support system to help you on your financial journey. Building credit and financial stability is important to a healthy credit portfolio.”
Daphne H.
Esusu Renter
“I began my journey with Esusu in April 2023 for rent relief program at my current housing complex, which was truly a God-send. Since then, my credit stability has improved tremendously with each on-time monthly payment and has increased my credit score and afforded me other opportunities to continue growing.”
Eugene H.
Esusu Renter
“100% worth it. I’m really happy I downloaded and used the app. I really like the affirm options because it has helped me tackle my biggest expense with less stress. The app is also really easy to use. Would really recommend!”
LaviGab
App Store Review

“Esusu has unlocked doors 
for us. By being able to report our rent payments to credit bureaus. We bought our first house.”

Play story

"Esusu Made Me Feel Like Part Of A Family."

Play story

"Esusu Made Me Feel Like Part Of A Family."

Play story

"We invested in Esusu's mission and have a strong conviction in the potential of this space. The tech-enabled model really creates win-win situations for stakeholders from renters to landlords."

Serena Williams
23x Grand Slam champion, Founder of Serena Ventures, Esusu Investor
Individual results vary and are not guaranteed.

Rent Today.
Credit For Tomorrow.

Join millions of renters turning their largest monthly expense into real financial progress.
Create Your Account

Questions?
We've Got Answers

How do I know if my property partners with Esusu?

Just download the app and enter your address — the app checks automatically. If your property is partnered, you'll be enrolled for free. If not, you'll be offered Core Membership for $59/year.

Do I need to change how I pay rent?

No. Just keep paying rent the way you always have. Esusu captures the data either through your property's system or your linked bank account.

Does Esusu report late payments?

No. Esusu only reports on-time rent payments to the credit bureaus. We never report missed or late payments.

How far back can Esusu report?

If available, Esusu can backfill up to 24 months of past on-time rent payments on your current lease to help build your credit faster. The 24-month backfill reporting is at no additional cost.

What credit bureaus does Esusu report to?

All 3 major credit bureaus: Equifax, Experian and TransUnion.

View more
Affirm disclosure: Payment options through Affirm are subject to an eligibility check and might not be available in all states. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses. Affirm and its lending partners do business in accordance with federal Fair Lending laws.

Affirm reports all payment plans to the credit bureaus, including any past due payments, which could impact your credit.



Affirm is rolling out on Esusu with participating landlords. Affirm may not be available for all properties.