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Written By
Corinna Frattini
Jul 28, 2025
•Arrival
Yes, you can rent a home in Canada without a credit history, but you may need to take extra steps. Many newcomers and international students ask the same question: “Can I rent in Canada without a credit history?” Whether you’re searching for apartments for rent without a credit check or trying to rent an apartment in Canada with no credit, this guide offers proven strategies. Learn what documents you require and smart tips to help you secure a place to live, even if you haven’t had time to build your Canadian credit history.
According to Equifax Canada, “Over 60% of newcomers to Canada arrive without any Canadian credit history, making renting a home one of their first major challenges.”
Most Canadian landlords rely on credit checks to assess whether a potential tenant can reliably pay rent. If you’re new to the country and don’t yet have a Canadian credit history, this can seem like a major barrier. But it’s not a dealbreaker.
If possible, live temporarily with relatives or friends. This gives you time to:
Options include:
These short-term stays help bridge the gap while you establish credit. Bonus: Some offer free Wi-Fi and breakfast to help cut costs. Read more: How Can I Find Short-Term Rentals in Canada?
While provinces have limits on rental deposits (see below), some landlords may accept more rent upfront voluntarily:
👉 You are not legally required to pay more than the deposit limit, but you may stand out if you voluntarily offer more.
A guarantor, a friend or family member with good credit, can co-sign your lease. If you don’t pay rent, they’re responsible. This offers landlords peace of mind and can boost your application. Read more about rental application tips.
Providing a Canadian or international bank statement showing savings can help reassure landlords that you have sufficient funds to cover the rent. This is especially useful if you don’t have a job offer yet.
Search for:
As a newcomer, it’s vital to be aware of and avoid rental scams.
Smaller cities or areas outside major city centres may have less demand. You’ll face fewer applicants, giving you a better chance, even without a credit history. Just be sure the neighbourhood has:
A credit score is a three-digit number (300–900) that tells lenders and landlords how responsibly you manage credit. The higher the score, the better. For a step-by-step breakdown on building credit, check out How to Build Credit in Canada: A Guide for Newcomers.
“A good credit score in Canada is generally considered to be 660 or above.”
Source: Equifax Canada
Landlords check your credit to assess how reliable you are as a tenant. If your credit score is missing or low, they may request additional assurance. In addition to landlords, these organizations may also check your credit report:
👉 Consistent, on-time payments will raise your score and open doors to better rental options.
You can begin building your credit from the day you arrive:
Yes, it’s possible to find rentals in Canada that don’t require a credit check, especially if you look beyond traditional listings. These options are more common with private landlords offering basement apartments, sublets, or shared accommodations.
Additional documents can demonstrate your financial reliability. These may include proof of income or a job offer, recent bank statements showing savings, and valid identification and immigration documents.
Most newcomers can begin building credit within 6 months by using a secured credit card responsibly, paying bills on time, and opening a postpaid phone or internet plan.
Renting in Canada without a credit score can feel stressful. But, with preparation and the right approach, it’s possible. By staying informed, offering proof of savings, and building your credit early, you’ll find a home that suits your needs.
👉 Want more help? Register for our free newcomer housing webinar to get expert tips on renting without credit in Canada.
WRITTEN BY
Corinna Frattini
Senior Editor and Content Director, Prepare for Canada
Corinna researches and writes content to help newcomers make informed decisions about housing, employment, banking, and aspects of settling in Canada. With a background in human resources and leadership development, her articles focus on how newcomers can continue their careers in Canada. Her writing combines research, practical guidance, and clear language to support newcomers on their journey.
© Prepare for Canada 2026
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