When your profile doesn’t pass screening and you have no personal co-signer, a third-party guarantor company can co-sign your lease for a fee. No Credit Check Apartments has helped Texas renters across Dallas, Houston, Austin, San Antonio, and Fort Worth navigate guarantor programs for over 15 years. Most renters don’t even know these companies exist.
How Lease Guarantor Programs Work
- Fee: typically 5% to 12% of annual rent, paid up front
- Timing: paid in addition to your deposit and first month’s rent
- Underwriting: guarantor companies have their own income requirements - usually 27x to 50x monthly rent in income
- Coverage: they co-sign the lease. If you miss rent, the guarantor pays the landlord and comes after you.
Providers in Texas:
- Insurent - one of the most widely accepted
- TheGuarantors - common in Dallas Uptown high-rises and Houston Galleria-area mid-rises
- Jetty - often accepted in garden-style communities and suburban complexes in Plano, Round Rock, and Katy
- Cosign - growing acceptance
- Oneapp Guarantee, Liberty Rent - newer providers, spot acceptance
Not every community accepts every provider. That’s where we come in.
What Guarantor Companies Cover vs. Deny
They solve: financial risk. Bad credit, no credit history, insufficient income (with a guarantor covering the shortfall), and international workers relocating to Texas with no US credit file. This includes renters screened through TransUnion SmartMove, Experian RentBureau, or property management systems like RealPage and AppFolio.
They don’t solve: behavioral risk. Evictions, broken leases, and criminal records are not financial risks - they’re patterns that guarantor companies don’t cover. Some Texas communities accept a guarantor for credit issues but still deny for an eviction. Some accept it for both. The community selection matters.
Read our guarantor vs. deposit vs. co-signer comparison for the full trade-off analysis.
Total Move-In Cost With a Guarantor
On a $1,500/month unit in 2026, a guarantor-approved move-in usually looks like:
- Guarantor fee: $900-$2,160 (8% typical = $1,440)
- Security deposit: $500-$1,500 (varies)
- First month’s rent: $1,500
- Application/admin fees: $50-$200
Total upfront: $2,950-$5,360
We calculate this for your specific unit before you commit. Use our rent affordability calculator to size your target rent first.
How We Match You to Accepting Communities
No Credit Check Apartments tracks which communities accept which providers (Insurent, TheGuarantors, Jetty, Cosign) across all five Texas metros. Whether you’re looking at a luxury high-rise in Dallas Uptown, a mid-rise near the Houston Medical Center, or a garden-style apartment in San Antonio, we pre-qualify you for guarantor eligibility (checking that your income meets the 27-50x multiple). We advise on total move-in costs and identify communities where guarantor approval bypasses the credit threshold entirely - you don’t need to hit a credit minimum if the guarantor takes on the risk.
How We Compare
| Feature | Typical Apartment Locator | No Credit Check Apartments |
|---|---|---|
| Guarantor provider matching | Generic referral | Tracks acceptance by community for Insurent, TheGuarantors, Jetty, Cosign, Oneapp Guarantee, and Liberty Rent |
| Pre-qualification check | Not offered | Income-multiple eligibility verified before you apply |
| Total move-in cost breakdown | Not calculated | Guarantor fee + deposit + first month calculated up front |
| Behavioral vs. financial screening | Not distinguished | Identifies which communities accept guarantors for credit only vs. credit and evictions |
| Cost to renters | Varies | 100% free - communities pay the referral fee |
When a Larger Deposit Costs Less
Sometimes a larger deposit, a risk fee ($200-$500), or a personal co-signer costs less. For lower-priced units in areas like Arlington or New Braunfels, a $500 additional deposit or conditional approval fee might be cheaper than a $1,440 guarantor fee. We tell you when that’s the case.
Start Your Guarantor Pre-Qualification
- Target rent range and metro
- Annual income (must meet 27-50x monthly rent multiple)
- Employment stability
- Which screening issue drove you to consider a guarantor
We’ll pre-qualify you and match you to the right Texas community within 2-4 business hours. Free.
