Moving out and getting an apartment on your own can be a daunting task, especially if you are just turning 18 and have no credit history. Landlords typically require a credit check to assess the financial responsibility of a tenant, and without a credit history, you may find it difficult to secure a place to call home. However, there are several options and strategies you can use to increase your chances of getting an apartment without credit.
Table of Contents:
- 1. Finding a Co-Signer
- 2. Consider Renting from a Private Owner
- 3. Show Proof of Income and Employment
- 4. Save for a Large Security Deposit
- 5. Ask for a Second Chance Leasing Program
- 6. Consider Renting with Roommates

1. Finding a Co-Signer
One of the most straightforward ways to get an apartment without credit is to find someone to co-sign your lease. This could be a parent, guardian, or other relative who trusts you and is willing to vouch for your financial responsibility. The co-signer will be responsible for paying the rent if you fail to do so, so it’s essential to choose someone you trust and who understands the risks involved. When you find a co-signer, make sure to put all the arrangements in writing and have both parties sign the lease agreement. This way, you and the co-signer have a clear understanding of the terms and responsibilities involved.
2. Consider Renting from a Private Owner
Another option for getting an apartment without credit is to consider renting from a private owner rather than a big property management company. Private owners are often more flexible and willing to work with tenants who don’t have a credit history. They may be more willing to overlook a lack of credit if you can demonstrate that you have a steady income and a good rental history. When searching for a private owner, look for ads in local newspapers, online classifieds, or even on bulletin boards in local grocery stores. Be prepared to provide proof of income and employment when you meet with potential landlords, and be honest about your lack of credit history.
3. Show Proof of Income and Employment
If you are unable to find a co-signer or a private owner willing to rent to you, you can still increase your chances of getting an apartment by showing proof of income and employment. This can include recent pay stubs, a letter from your employer verifying your employment and salary, or proof of government assistance. Landlords are looking for tenants who are able to pay their rent on time, and a steady income and employment history can go a long way in demonstrating your financial responsibility. You can also provide references from past landlords or roommates to help boost your credibility.
Another option for getting an apartment without credit is to save up for a large security deposit. A security deposit is a sum of money that a landlord requires as collateral in case you cause damage to the property or fail to pay rent. The larger the security deposit, the more confident a landlord may be in renting to you, even if you don’t have a credit history. To save for a security deposit, try to reduce your expenses as much as possible and consider taking on a part-time job or freelance work to increase your income. When you have saved enough for a security deposit, be prepared to present it to a landlord along with proof of income and employment when you apply for an apartment.
5. Ask for a Second Chance Leasing Program
If you have a past eviction or poor rental history, it can be challenging to get an apartment without credit. In this case, you may want to look for apartments that offer a “second chance leasing program.” These programs are designed for tenants who have had credit or rental problems in the past but are working to improve their financial situation. To qualify for a second chance leasing program, you’ll typically need to provide proof of income and employment, as well as a security deposit and rent payments in advance. Look for apartments that offer this type of program, and be prepared to provide a compelling case for why you should be given a second chance.
6. Consider Renting with Roommates
Finally, consider renting with roommates to help offset the cost of rent and increase your chances of getting an apartment without credit. When you rent with roommates, each person is responsible for a portion of the rent, and the combined income of all the tenants may be more appealing to landlords. Make sure to choose roommates you trust and who have a good rental history, and make sure to have a clear understanding of the terms and responsibilities involved in the lease agreement before signing. Renting with roommates can be a great way to get an apartment without credit, as long as you choose the right people and communicate openly and honestly about the arrangements.
In conclusion, getting an apartment at 18 without credit can be challenging, but it is possible. By finding a co-signer, considering renting from a private owner, showing proof of income and employment, saving for a large security deposit, asking for a second chance leasing program, and considering renting with roommates, you can increase your chances of securing a place to call home. It may take some effort and patience, but with the right approach, you can get an apartment without credit and start building a better future for yourself.