We work directly with you. You make smaller payments to Esusu on your schedule, and we ensure your full rent is paid to your landlord by the due date. Your landlord just sees rent paid on time — they don't need to sign up for anything or change how they operate.

No. You pay your rent amount — nothing more. No interest, no fees for splitting.

Yes. When you sign up, we can report up to 24 months of your previous rent payments to all three credit bureaus at no extra charge. Most competitors charge $50–100+ for this as an add-on. With Esusu, it's included.

Many members see changes within 30–60 days of their first reported payment. If you have a thin credit file or limited credit history, the impact of adding 24 months of past rent can be significant right away.

Flex requires landlord participation and focuses only on payment flexibility. Bilt is a credit card that requires you to use their card for rent. Esusu works independently — no landlord signup, no new credit card — and combines rent splitting, credit reporting (including 24 months of past rent at no extra cost), and financial coaching in one app.

You get personalized guidance based on your income, debts, and goals. The app helps you create a plan to pay down debt, build savings, and manage your cash flow — with action steps that update as your situation changes.

Yes. We use bank-level encryption and connect through Plaid, the same secure service used by Venmo, Chime, and most major financial apps. We never store your login credentials.

We'll notify you before any payment is due, and you can adjust your schedule if something comes up. If a payment fails, we'll work with you to resolve it before it affects your rent or your credit.

Yes. You can cancel your Esusu membership at any time with no penalty