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How It Works

No Credit No Problem

We based our rent decision on your ability to pay rather than look just your credit score.

Living Room Furniture

Requirements

Most recent pay check stub must verify:

  • Minimum $1,,200 income per month.

  • Customer must have been employed for past six months at the same job or within the same industry (No temp service).

  • Year-to-Date totals must be shown on pay-stub provided showing earned income for said year. Most recent 90 days of bank transactions must verify.

  • Minimum of $1,200 in deposits in the month.

  • Good daily average balances with positive balance at beginning and end of statement.

  • Zero NSF (Non Sufficient Funds) fees or return charges.

  • Less than 6 overdraft charges.

  • More than 5 transactions in the month to be considered an active account.

Voided Check or bank verification form

  • Check must match the account number on the bank statement.

Copy of Government issued photo ID

  • Must show clear photo and signature.

Exceptions to our EASY requirements

Self Employed

  • Must submit most recent 90 days of bank transactions such as:

Retirement / Social Security / VA / Long Term Disability / Short Term Disability.

  • Unfortunately at this time we are unable to accept these forms of income:

Unemployment / Alimony / Scholarships / Grants / Child Support.

Consider adding a co-applicant that is able to provide a qualifying source of income.

Flexible Underwriting

We offer a flexible and innovative underwriting criteria that enables us to approve more deals than our competitors, so you may apply regardless of your credit score. Don't hesitate to apply — just Own it 4 Less.

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