What is this program all about?

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.

How do I apply for a loan?

Download the Esusu App, subscribe to our services, and confirm your rental information to get started.

How often can I apply for an Affirm loan to split rent?

You can apply for one loan per month. For each month that you want to split rent, you will need to apply again.

Who is qualified to apply for the program?

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.

Split Your Rent With Esusu Pay

Introducing Affirm for rent with Esusu Pay, plus other flexible payment options.

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Three Simple Steps

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Subscribe to Plus

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Pick Your Payment Option

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Stress Less

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

Better Split Than Never

Esusu Pay gives you room to breathe when the month gets tight. Every option is interest free. This is Affirm like you’ve never used it before.

Unlock Esusu Pay with Plus

Esusu Pay lets you split your rent into easier payments while your landlord still gets paid in full, but that’s not all. Get the tools you need with Plus.

Flexible Rent Payments

Choose from flexible interest free rent options, including Affirm

Credit Building

Build your credit score through on-time rent reporting

Financial Coaching

Get 1:1 support from expert financial coaches

And more, starting at just $35 per month

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Esusu Pay Has Your Back

Unexpected Expenses

Car trouble or medical bill? Split rent when you need breathing room.

Between Paychecks

Line up rent with your payday for a smoother month.

Peace of Mind

When life happens, rent shouldn’t hold you back.

Your Rent. Your Choice. Your Peace Of Mind.

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Frequently Asked Questions

What is Esusu Pay?

Esusu Pay is a flexible rent‑payment program available to eligible residents through the Esusu app. When you subscribe to Plus or Premium plans at a participating property, you can access short‑term, interest‑free options (like Esusu Pay with Affirm and Esusu Split Pay) that help you split rent into smaller payments while your landlord still receives the full amount.

Why would I use Esusu Pay?

Esusu Pay helps when rent and payday don’t line up. It lets you spread rent within the same billing cycle, so you can manage cash flow without relying on credit cards, overdrafts, or late fees.

Is Esusu Pay a loan or a credit card?

Esusu Pay is not a credit card. It connects you to short‑term, interest‑free loans from partners like Affirm and Stable Home Fund, designed specifically to help you manage rent—not create long‑term debt.

How do I get access to Esusu Pay?

Download the Esusu app and create an account.
Subscribe to Esusu Plus or Premium to unlock Esusu Pay.
Confirm your rental info at a participating property.
From the Esusu Pay section, apply for Esusu Pay with Affirm or Esusu Split Pay, based on your eligibility.

What’s the difference between Esusu Pay with Affirm and Esusu Split Pay?

Esusu Pay with Affirm
Split your rent into two equal payments over one month. It’s interest‑free with no loan fees for this product, and your full rent is paid to your landlord while you repay Affirm in two installments.‍
Esusu Split Pay (powered by Stable Home Fund)
Make a down payment toward your rent, and Stable Home Fund covers the rest, paying your landlord directly. You repay the remaining balance in two smaller installments (around 30 days total), interest‑free.

How much are Plus and Premium?

Esusu Plus is $35/month and includes Esusu Pay, credit‑building, and 1:1 financial coaching.Premium is $50/month and includes everything in Plus plus tax‑filing support and additional financial tools.

What happens if I cancel my Plus or Premium subscription?

If you cancel, you’ll keep access to Esusu Pay and other Plus/Premium benefits until the end of your current billing period, then your account downgrades back to the free Core plan. You’ll no longer be able to use Esusu Pay, but you’re still responsible for repaying any existing Esusu Pay loans according to their terms.

Are Esusu Pay options really interest‑free?

Yes. Esusu Pay with Affirm and Esusu Split Pay are designed to be interest‑free, with no loan fees or penalties for paying early. You repay only the amount of rent covered by your Esusu Pay option, following the schedule in your offer. If you miss payments and become delinquent, the creditor may report this to credit bureaus, which could negatively impact your credit.

Does my landlord get paid on time?

Esusu Pay is designed to keep rent on track. Once your loan is finalized, payments are typically sent to your landlord’s rent portal or bank account within 2–5 business days,

Affirm disclosure: Payment options through Affirm are subject to an eligibility check and may not be available everywhere. Options depend on your purchase amount, and a down payment may be required. 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.