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Find your perfect rental
Cosign helps you secure your lease—even if your credit, income, or history holds you back.
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A seamless process every step of the way
Cosign steps in when you don’t meet rental requirements—whether it’s credit, income, or rental history. We back your application so you can get approved and move in with confidence.
Cosign helps prospective residents who are unable to meet income or credit requirements
If credit, income, or past rental history has held you back, Cosign steps in as your cosigner—so you can get approved and move into your new home with confidence.
When others say no, we say yes
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Cosign makes it easier to choose where you want to live
As your co-signer, no matter if you're short on income, have less-than-perfect credit, or have had a hiccup in your rental history, we can help get you into your new home.
No Co-Signer? No Problem
We strengthen your application - making it easier to qualify and giving landlords confidence to approve.
Easy Application
It only takes one minute and works on any device -phone, tablet, or computer- designed with your busy schedule in mind.
Fast Same-Day Approvals
We review applications fast, within 30 mins during normal business hours, so you won't have to wait on us to move into your new home.
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Real stories from real renters
Frequently asked questions
Can I use Cosign for any apartment?
Most properties accept Cosign, but not all (yet!). If the apartment community where you want to rent does not yet offer Cosign, we can help onboard them or match you with a participating community!
Will applying with Cosign affect my credit score?
No. Cosign only uses a soft credit check, which does not impact your credit score in any way.
What happens if I don't pay rent?
You remain liable for lease obligations. Non-payment can lead to legal action, eviction, and damage to your credit.
How is Cosign different from a renters insurance?
Cosign is not renters insurance. Renters insurance protects your possessions; we help you qualify for an apartment by securing your rent for the benefit of your landlord!
Is the payment a security deposit?
Cosign's fee is completely separate from any security deposit your landlord may require. Its a one-time fee you pay to Cosign for providing a lease guarantee. However, if your lease falls through before move-in and you haven't used Cosign's coverage, we review refund requests on a case-by-case basis. Just reach out to our team!
What if the apartment does not partner with Cosign?
Provide us with the building or landlord details, and we will work to add this property to Cosign! Alternatively, we can help find a partnered property.
What are the payment methods?
Payment can be made via credit/debit card using Cosign's online portal!
What documents are required for applying?
There are no documents required from you to apply - all we require is your personal information!
Can Cosign assist non-US citizens?
Yes! We accept applications from non citizens with an ITN (individual tax payer identification). This can be obtained at https://www.usa.gov/itin
What if I have co-applicants?
You can add your co-applicants in our Cosign portal.
How does the application process work?
1. You submit your information online.
2. Hear back from Cosign within a few hours.
3. Once approved, you sign Cosign's agreement and pay Cosign's one-time fee.
4. Cosign provides documents to your landlord, allowing you to sign your lease and move-in!
What's the coverage period for Cosign?
Cosign covers lease terms as short as 3 months and as long as 24 months!
Are all Property Management Companies accepting Cosign?
Not every property management company accepts Cosign (yet!) - but many do, and new properties join daily. If a community does not work with Cosign, we can reach out to the community to onboard them or help you locate an already participating property.
Does Cosign pay my rent?
No. You are responsible for fulfilling all financial obligations under the lease agreement. Cosign guarantees the lease but does not cover rent payments.
Why consider using Cosign and who uses it?
Landlords establish strict standards for qualification, posing challenges for a majority of Americans. Cosign aids prospective residents unable to meet traditional income or credit requirements. The most common applicants using Cosign include non-US citizens with no established American credit, students lacking sufficient income, professionals with limited credit profiles, and self-employed individuals.
What's the approval timeline with Cosign?
You always hear back the same day your application is complete, and generally applications are processed in less than a few hours!
What is the cost of Cosign?
The fee for each applicant is different based on their unique credit background! There is no cost to be screened by Cosign, and Cosign only pulls a soft credit check so it's risk free for you as an applicant!
How do I qualify for Cosign?
Your application undergoes a credit check with a soft pull, and you'll typically know if you qualify for Cosign within a few hours!
What is Cosign?
Similar to a familial guarantor, Cosign acts as a safeguard legally responsible for fulfilling rent obligations in case of default. It validates your lease in lieu of a traditional guarantor, and helps you secure the apartment or home where you want to live!
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