No Credit Check Apartments in Plano for a Second Chance
Looking for no credit check apartments in Plano, TX? Bad credit, eviction, or broken lease - free matched list in 2-4 hours. Call 800-291-0959.
Last updated: October 20, 2026
Response Time
Coverage
To Renters
TX Experience
Why Plano Apartment Applications Get Denied
Every screening problem has a different solution. We work each one separately.
Credit score below 620 and you keep getting denied
Broken lease from a prior community you owe money to
Eviction filed, granted, or dismissed on record
Misdemeanor or felony on your background check
Chapter 7 or Chapter 13 bankruptcy on credit report
No credit history — recent grad or international worker
7 Screening Issues We Solve for Collin County Renters
Collin County JP-court eviction reporting, a large corporate-relocation and mid-rise rental base north of Dallas, and the Legacy and Downtown Plano corridors screened through NCAC, LeasingDesk, and TransUnion SmartMove.
Bad Credit in Plano
Bad credit apartments in Texas - we match you to communities with flexible screening. Risk-fee and guarantor options. 100% free. Call 800-291-0959.
Bankruptcy in Plano
For renters with a Chapter 7 or Chapter 13 on their credit report. Some communities view discharged bankruptcy more favorably than active collections.
Broken Lease in Plano
For renters who left a prior lease early and owe a balance. A broken lease is not the same as an eviction - and many communities treat it differently.
Criminal Background in Plano
For renters with a misdemeanor or felony on record. Criminal screening is separate from credit and rental history - perfect credit won't save you.
Eviction in Plano
For renters with a formal eviction on record - the hardest rental-history issue to overcome, and the one where a locator matters most.
Guarantor & Co-Signer in Plano
For renters whose profile doesn't pass screening and who have no personal co-signer. A guarantor company co-signs the lease for a fee.
No Credit History in Plano
For renters with a thin file or no credit file at all - recent grads, young adults, immigrants, and international workers. No score is often denied like a low score.
From a Denied Application to a Signed Lease
Tell us your situation
Share your screening issue, target rent range, and preferred neighborhoods in Plano. No credit pull.
We match you to communities
Within 2-4 business hours, you receive a targeted list of Plano communities that approve your specific profile.
You apply and move in
Apply only to communities that will approve you. No wasted $50-$75 application fees. We stay involved until you sign.
Get Your Free Plano Property List
No credit pull. No cost. Personalized Plano property list in 2-4 business hours.
TREC-Licensed Locators Who Know Collin County Screening
Direct PMC Relationships
15+ years of working directly with Texas property managers who use flexible screening. We know their policies before you apply.
Screening-Mechanics Expertise
NCAC, LeasingDesk, SmartMove, RentBureau — we read the reports the way PMCs do, so we know what triggers a denial.
100% Free to Renters
Communities pay our referral fee from their advertising budgets. You pay nothing. We only win when you get approved and move in.
Finding No Credit Check Apartments From Legacy West to East Plano
No Credit Check Apartments is the apartment locating service of Intell Realty LLC (TREC Broker #9006179), a NAAL member with 15+ years of relationships with Plano, TX and Collin County property managers who use flexible screening. The search is free to renters because communities pay the referral fee. Plano has a deep rental market, from newer mid-rise communities and townhomes around Legacy West, Granite Park, and The Shops at Legacy to older garden-style complexes and duplexes along US-75, in East Plano, and near Shiloh Road.
Collin County JP courts report evictions separately from Dallas County, and our locators track which communities screen through NCAC versus RealPage LeasingDesk or TransUnion SmartMove. That screening-level knowledge decides whether your application ends in a $200-$500 risk fee (2026 rates) or a wasted $50-$75 denial. Many Plano communities price toward corporate renters, so we focus on properties that weigh income and rental history over a hard credit cutoff, and on communities that accept third-party guarantors such as TheGuarantors, Insurent, and Jetty when a score falls below the community minimum.
Renters who work at the Toyota Motor North America headquarters or the JPMorgan Chase and Liberty Mutual campuses near Legacy look at communities along the Dallas North Tollway and SH-121, plus nearby Frisco and Allen. Renters who want lower rents search East Plano, Garland, and Murphy. Historic Downtown Plano and the DART Red Line at Downtown Plano and Parker Road stations suit renters without a car, apartments near The Shops at Willow Bend suit West Plano commuters, and the Collin College Spring Creek Campus corridor suits students with thin credit files. We return a matched property list within 2-4 business hours.
Send us your situation — screening issue, target rent, target neighborhood — and we will return a matched list of Plano communities within 2-4 business hours. Free.
What Plano Renters Say
"I'd been denied at three complexes and lost almost $200 in application fees before I called. They sent me a list of properties that would actually approve a 540 score. Signed a lease within a week."
Marcus T.
Houston, TX · Bad Credit
"My broken lease from 2021 kept getting me auto-denied. They knew exactly which communities screen through LeasingDesk and would take a paid balance. Nobody else explained it that clearly."
Danielle R.
Dallas, TX · Broken Lease
Neighborhoods and suburbs we cover
Downtown Plano
Collin County
Legacy
Collin County
West Plano
Collin County
East Plano
Collin County
Richardson
Collin County
Allen
Collin County
Frisco
Collin County
McKinney
Collin County
Murphy
Collin County
Garland
Collin County
Don't see your target neighborhood? We probably cover it — ask.
Landmarks and access in Plano
Key landmarks
- • Legacy West
- • The Shops at Legacy
- • The Shops at Willow Bend
- • Oak Point Park and Nature Preserve
- • Collin College Spring Creek Campus
Getting around
Reached by US-75 and the Dallas North Tollway north to south, with the President George Bush Turnpike and SH-121 crossing east to west. The DART Red Line serves Downtown Plano, so some renters skip a car and pick communities by station access.
Highways: Dallas North Tollway, US-75 (Central Expressway), SH-121 (Sam Rayburn Tollway), President George Bush Turnpike
Transit: DART Red Line, Downtown Plano Station
Questions Plano Renters Ask Before Applying
How fast can I get a list of second-chance apartments in Plano? +
Within 2-4 business hours during office hours (Mon-Fri 9am-6pm, Sat 10am-4pm). We cover Collin County communities in Downtown Plano, Legacy, Willow Bend, West Plano, East Plano, Allen, Frisco, and McKinney, and most renters have a matched list the same day they contact us.
Are there apartments near Legacy West that accept bad credit? +
Yes. Some communities around Legacy West and Granite Park accept a one-time risk fee of $200 to $500 (2026 rates) for credit scores below their minimum. If those properties price above your income, we match you to comparable communities in East Plano or Garland with more flexible screening.
Can I find second-chance apartments near the DART Red Line in Plano? +
Yes. We match renters to communities within reach of Downtown Plano Station and Parker Road Station on the DART Red Line, a good fit if you want to skip a daily commute by car. Tell us your screening issue and we check which of those communities have a realistic approval path.
How do Collin County eviction records affect a Plano apartment application? +
Texas evictions are filed in Justice of the Peace courts, and Collin County keeps its own records separate from Dallas County. A dismissed eviction is much easier to place than a granted one, and we know which Plano communities consider evictions older than 3 years. We also know which communities pull court data directly and which rely on rental-history reports from NCAC or RealPage LeasingDesk.
What income is needed for second-chance apartments in Plano? +
As of 2026, most Plano communities require 3x monthly rent in gross income. Risk-fee properties set the bar at 3.5x to 4x rent. Rents in East Plano and Garland generally run lower than around Legacy West, which makes the threshold easier to meet.
Can I rent an apartment in Plano with a 500 credit score? +
Yes, at some communities. Most property management companies set minimums of 550 to 620, but some Plano communities have no hard cutoff or offer conditional approval with a $200 to $500 risk fee (2026 rates). Others accept a third-party guarantor such as TheGuarantors or Insurent, which typically costs 5% to 12% of annual rent.
Do I pay anything for an apartment locator in Plano? +
No. No Credit Check Apartments is free to renters because the apartment community pays the referral fee when you sign a lease. Our locators work within your stated budget, since a unit you cannot afford never leads to a signed lease.
Where can I find no credit check apartments near me in Plano? +
We match renters across the whole city, from Downtown Plano and West Plano to East Plano, Richardson, Allen, Frisco, McKinney, and Murphy. Tell us your screening issue and target neighborhood, and we return a matched property list within 2-4 business hours. No cost and no credit pull.
Also serving nearby
Stop Paying $50-$75 for Applications That Get Denied
Personalized Plano property list matched to your screening situation within 2-4 business hours. Free.