For many individuals moving to the United States, securing housing is one of the first and most important tasks without U.S. credit history. But if you’re arriving from abroad, there’s a challenge you may not expect: most landlords will ask for a U.S. credit history—something new residents simply don’t have.

If you’re relocating for work, education, or long-term residency, here’s what you need to know about renting an apartment without a credit score—and what options you can rely on.

Why Credit History Is Required—and What Happens Without It

In AZ, credit scores are a standard screening tool used by landlords to assess:

• Your history of on-time payments
• Your financial reliability
• The perceived risk of defaulting on rent

Why Settle for Less?

You may not have a U.S. credit score, but you still deserve:

• A safe neighborhood
• A quiet place to work or rest
• A warm welcome

That’s what we deliver—no proof of credit required.

Without a credit file or Social Security number, many applicants are denied by default—or asked for additional guarantees like U.S.-based co-signers, high security deposits, or several months of prepaid rent.

This makes it especially difficult for international professionals, students, remote workers, and temporary residents who are new to the system.

Practical Ways to Rent Without a U.S. Credit History

Choose Housing Providers That Don’t Require Credit Checks

This is often the most efficient and stress-free option.

At our properties in Arizona, we work with international guests regularly. We don’t require a U.S. credit history, Social Security number, or local financial references. Instead, we request:

• A valid form of ID (passport, visa)

Our process is designed to remove unnecessary barriers so you can secure housing before or immediately after arrival.

Provide International Proof of Income or Financial Support

In more traditional rentals, some landlords may accept:

• Employment contracts or job offer letters
• Bank statements (U.S. or international)
• Proof of income from your home country or sponsor

While this approach may work, be prepared for slower processing times and possible extra documentation.

What You Won’t Need:

• No SSN
• No U.S. credit score
• No co-signer
• No complex applications

Opt for Fully Furnished, All-Inclusive Apartments

Furnished apartments are an ideal choice for international renters. They simplify the entire process by including:

• Furniture, kitchenware, and linens
• Internet, utilities, and maintenance

Prime Locations Across Arizona

We’re not just easy to rent—we’re exactly where you want to be.
Our properties are near top employers, hospitals, universities, and highways—offering easy access to Phoenix, Chandler, Tempe, Scottsdale, and beyond.

Perfect for:

• Corporate relocations
• International interns
• Students and medical residents
• Travelers seeking more than just a hotel bed

You avoid the need to set up separate accounts, purchase furniture, or worry about hidden costs. This model is especially useful if you’re in AZ temporarily or just getting established.

Renting Without Credit History Is Possible—with the Right Approach

Lack of U.S. credit history is a common issue, but it doesn’t have to prevent you from finding suitable housing. By working with housing providers that understand the needs of international residents, you can avoid delays, reduce risk, and settle in faster.

Whether you’re staying for a few weeks or several months, furnished, no-credit-check apartments remain one of the most practical and secure options for new arrivals.

If you’re unsure about committing to a long lease right away, consider starting with short-term, all-inclusive housing. This gives you time to get oriented, build a local credit history, and explore different neighborhoods before making a long-term decision. Many international residents begin this way and later transition into a traditional rental once they’ve opened a U.S. bank account or received a Social Security number.

Need a furnished apartment in Arizona without a credit check?
We help international guests find move-in-ready housing with flexible terms and no hidden requirements.

👉 metrohospitality.com