Rent Smart, Stress Less with Rent Now Pay Later

We’re not just changing the game—we’re rewriting the rules of the housing market.

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Positive Customer Reviews.

Assisting Underbanked Renters Nationwide.

Removing the Financial Barrier For Renters who Are Moving Into a New Home.

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ABOUT US

Say Goodbye to High Move-in Costs & Late Rent Payments

Funds issued directly · Monthly terms · No prepayment penalty · Secure bi-weekly payments

Our Mission

To help renters nationwide by providing responsible rent payments when cash flow falls short.

Our vision

A future where every renter can own a home—and the path from lease to keys is fast, fair, and open to all.

Apply in Five Easy Steps

1

Apply Online To Get Pre-qualified

Go to www.RNPLCredit.com and click “Apply Now.” Complete a short form by entering your personal details and upload a valid photo ID.

2

Connect Your Bank

Securely link your account through Plaid for
final approval.

3

Select Your Term

Choose the payment term and rate that best
fits your needs.

4

Upload Your Lease

Verify landlord details, rent amount, and
lease terms.

5

Get Your Rent Paid

RNPL pays your landlord directly —
you repay over time.

LOAN PRODUCTS

Explore Our Renter Friendly Loan Products

M-Loan

Up to $0-down Move-in loans to help cover first month, last
month and security deposit.

E-Loan (SkipMyRent)

Get 1-2-Months’ Rent advanced with the RNPL E-Loan.

Credit Builder

Not qualified? Our $500 Credit Builder Program helps you build your credit and qualify after six on-time bi-weekly payments.

How it Works

Discover Rent Now, Pay Later® – crafted for your convenience. Explore how we simplify and streamline funding to make it quick and accessible for you.

01

Application Submission

Apply at rnplcredit.com or with one of our partners. 

02

Identity & Eligibility

We verify your identity and bank through Plaid connection.

Rent now Pay Later Product Image Move-In Stress Free Move-in Loan

03

Offer & Lease Validation

Choose the approved amount term that fits your budget. 

04

User-Friendly Experience

Sign note to finalize funding. Funds are sent directly to the property.

Frequently asked questions

A. For both M-loan & E-loan, once you are approved and have accepted the funds, payment is sent immediately to the property. For credit builder, funds are sent to you same day.

A. To apply you must be 18 years or older and have a government issued ID and copy of your signed lease ready to upload. completed after you submit your information

A. We are currently available in the selected states, FL, TX and GA.

A. We provide flexible 12, 24 & 36 month terms to pay back your loan with no pre-payment penalty.

Stay Updated Explore Our Blog

Explore renter insights, and up to data apartment and city data on our blog page.

5 Ways to Afford Move-In Costs for Your Next Apartment

What to Do When You Can’t Pay Rent: Emergency Financing Options

How Improving Your Credit Score Can Help You Rent Your Dream Apartment