Apartments in San Antonio for Renters with No Credit History

What Screening Actually Requires

Most apartment websites treat “no credit” and “bad credit” as the same problem. They’re not. And that confusion costs renters hundreds of dollars in wasted application fees every year in San Antonio alone.

Here’s what the listing sites won’t explain: apartment screening systems categorize a renter with no credit file differently than a renter with a 480 score and three collections accounts. A first-time renter with zero credit history, steady income, and a clean background has access to far more properties than someone with damaged credit. But only if they apply to the right ones. The problem is that nobody tells no-credit renters which property classes will work with their profile and which ones will auto-decline them before a human ever looks at the application.

If you’ve been searching for apartments in San Antonio without a credit history, you’ve probably already discovered that “no credit check apartments” mostly means extended-stay motels and weekly rentals on Craigslist. That’s not what you’re looking for. You want a real apartment with a real lease, and you can get one. But the path there looks different than what generic advice articles describe.

I’m Marlene Quade with San Antonio Apartment Locators. I’ve helped families across San Antonio find housing in situations just like this: first-time renters, military families on PCS orders, international relocators, and people who’ve simply never needed a credit card before. I can’t promise approval at every property, but I can tell you exactly which ones will work with your situation.

This page breaks down what San Antonio apartment screening systems actually require from renters with no credit history: specific thresholds, property class options, geographic areas with the most inventory, and the approval tools that most advice articles skip entirely. No fluff, no generic tips about “being honest with your landlord.” Just the data.

What “No Credit History” Actually Means to Apartment Screening Systems

Renters searching for “no credit check apartments” usually fall into one of three categories, and apartment screening software treats each one differently. Understanding which category applies determines where to apply and where not to waste money.

No credit file means the credit bureaus (Experian, TransUnion, Equifax) have no record of the applicant at all. Renters can check their current credit status for free at AnnualCreditReport.com, the only federally authorized source for free credit reports. No credit cards, no auto loans, no student loans, nothing. When a property runs a credit check, the report comes back empty. The screening system can’t generate a score because there’s no data to score. This is common among first-time renters who’ve never opened a credit account, international renters new to the U.S., and people who’ve always operated in cash.

Thin credit file means the bureaus have some data (maybe one credit card opened six months ago, or a single student loan) but not enough to generate a reliable score. The applicant might show a score in the 500s or 600s, but it’s based on such limited history that the number bounces around month to month. Screening systems flag these as unreliable scores, and some properties treat them the same as no-file applicants.

Low credit score with history is a different situation entirely. This means the bureaus have plenty of data, and that data shows missed payments, collections, charge-offs, or other negative marks. A 490 score with eight derogatory accounts is a fundamentally different risk profile than a blank file with zero negative marks.

Why does this matter? Because the approval pathway for each category is different. A no-file renter with $5,000/month income and clean background has far more options than most people realize when targeting the right property classes. (San Antonio Apartment Locators helps renters with credit challenges across the full spectrum, from no history to damaged history.) A renter with a 490 score and active collections is limited to a much smaller slice of the market. Conflating those two situations — which is what every listing site does — sends no-credit renters to the wrong properties and burns through application fees unnecessarily.

San Antonio’s screening systems primarily care about three things: ability to pay (income), likelihood of paying (credit history), and liability risk (background and rental history). When credit history is missing, the weight shifts heavily toward income and rental history. That shift is the key to the entire approval strategy for no-credit renters.

Real Screening Requirements for No-Credit Applicants in San Antonio

Every apartment community in San Antonio sets its own screening criteria, and those criteria vary by property class, management company, and sometimes even by unit type within the same property. That said, clear patterns exist across the market. The table below reflects general screening thresholds based on property class. These aren’t guarantees, but reliable ranges that hold across most San Antonio management companies.

A few things stand out from this table.

Class B properties are the sweet spot for most no-credit renters in San Antonio. They’re old enough that management companies have seen every applicant profile and built processes for handling no-score applicants, but new enough that the units are in solid condition. A no-credit renter with income at 3x the monthly rent and a clean background can often get approved at a Class B community without needing a co-signer or third-party guarantee.

Class C properties offer the lowest barrier to entry, but there’s a trade-off. These communities are 30+ years old, and while many are well-maintained, the units reflect their age. The screening flexibility is real, though. Income at 2x–2.5x rent and clean rental history (or no rental history, which is different from bad rental history) often gets an approval.

Luxury and Class A properties are where no-credit renters waste the most application fees. These communities rely heavily on automated screening with hard credit score minimums. A blank credit file triggers an automatic decline at most Class A+ properties before anyone reviews the rest of the application. That $50–$150 application fee is gone.

The income multiplier matters more than anything else when credit is absent. If rent is $1,100/month and the property requires 3x income, the applicant needs to show $3,300/month gross. With no credit score to evaluate, that income verification becomes the primary approval factor. Pay stubs, offer letters, tax returns, or bank statements proving consistent deposits. These documents carry the application.

Screening criteria vary by community and change over time. The thresholds listed here reflect general patterns across San Antonio’s apartment market. Verify current requirements directly with any property before applying.

[San Antonio Apartment Locators works with renters in this exact situation regularly. Share your income, timeline, and preferred area, and the team will identify which communities are most likely to approve your application.]

How Different No-Credit Situations Affect Approval

First-Time Renters Who’ve Never Had a Lease

This is the most common no-credit profile in San Antonio’s rental market: someone who’s lived with family, had roommates on someone else’s lease, or is fresh out of college. No credit file. No rental history. Clean background.

The good news is that this profile doesn’t trigger the red flags that damaged credit does. There’s nothing negative to find. Just nothing to find at all. Screening systems see a blank slate, and most property managers at Class B and Class C communities interpret that as a low-risk applicant who simply hasn’t had the opportunity to build history yet.

The approval pathway is straightforward. Income documentation is the foundation: recent pay stubs (last 2–3 months), an employment verification letter, or a job offer letter if relocating for work. The income needs to meet the property’s multiplier requirement, typically 2.5x–3x the monthly rent. A first-time renter earning $3,500/month gross looking at a $1,100/month apartment (3.18x ratio) is in a strong position at most Class B communities.

If income alone doesn’t meet the threshold, two options exist. A co-signer can be added to the application — the co-signer and the primary applicant must have a combined income of at least 3x the monthly rent. Co-signers are legally responsible for the rent if the primary tenant doesn’t pay. It’s a significant commitment, and finding someone willing can be difficult. The alternative is a third-party guarantee service, which costs roughly one month’s rent as a one-time fee but doesn’t require a personal relationship or an individual putting their credit on the line.

For first-time renters in San Antonio with clean profiles and decent income, Class B properties in the $950–$1,300 range offer the most options. Expect deposits in the $500–$1,000 range. Application fees run $50–$75 per person at most communities.

International Renters and Military PCS from Overseas

San Antonio’s military footprint makes this a common scenario. Service members and their families arriving on PCS orders to Joint Base San Antonio (Fort Sam Houston, Lackland, or Randolph) often have no U.S. credit history, especially if they’ve been stationed overseas. International students at UTSA or UIW and foreign professionals relocating for work face the same challenge.

The screening issue is the same as a first-time renter (no credit file) but with an added layer: no U.S. rental references either. When a property can’t verify credit or contact a previous U.S. landlord, the documentation burden shifts entirely to financial proof.

What works for international and overseas military applicants:

• Passport and visa documentation (or military PCS orders) establishing legal residency status
• Employment offer letter on company letterhead or military orders showing stationed at JBSA
• Last 6 months of bank statements showing sufficient funds, either from a U.S. or international bank, with translated statements if needed
• Prepayment offer: 3 to 6 months’ rent paid upfront demonstrates financial capacity and eliminates the property’s risk concern

The prepayment route is expensive upfront. At a $1,200/month apartment, 6 months prepaid means $7,200 at move-in plus deposit and fees. But it works at properties that would otherwise decline the application. After 12 months of on-time rent payments, the renter has established rental history and can negotiate standard terms at renewal.

Properties near JBSA installations (particularly along the NE I-35 corridor near Fort Sam Houston, the Lackland/Sea World area on the far west side, and the Converse/Universal City area near Randolph) tend to have leasing teams experienced with military relocations and international applicants. They’ve processed these applications before and have documentation checklists ready.

Cash-Economy Workers with No Credit File

Some San Antonio renters have never opened a credit card or taken out a loan. Not because they’re young or new to the country, but because they’ve always operated in cash. This is common in construction, food service, landscaping, and other industries where cash payment is routine. The credit bureaus have nothing on file, but the renter may have years of stable housing history (paying rent in cash to a private landlord) and consistent income.

The challenge is documentation. A property’s screening system needs verifiable income, and “I get paid in cash” doesn’t satisfy an automated check. Tax returns (if filed) are the strongest documentation. Bank statements showing consistent deposits work at some properties, particularly Class C communities and Second-Chance properties that are used to working with alternative income verification.

Self-employed renters and gig workers face a similar issue. Income fluctuates month to month, and there are no employer-issued pay stubs. The approach here is to use the most conservative income figure available (annual gross from tax returns divided by 12) and target rent at or below the resulting multiplier threshold.

Class C properties (with 2x–2.5x income requirements) and Second-Chance properties are the most flexible on alternative documentation. Some Class B communities will accept bank statements as income proof, but it’s property-by-property. Always call the leasing office and ask about their income verification requirements before paying an application fee.

Thin Credit File: One or Two Accounts, Short History

A thin file is a gray area in screening. The applicant technically has a credit score, but it’s based on so little data that it may not accurately reflect their financial reliability. A single credit card opened 4 months ago might generate a score of 580, not because of missed payments or debt problems, but simply because there isn’t enough history for the algorithm to work with.

Properties that use hard credit score cutoffs will evaluate this score at face value. A 580 from a thin file gets the same treatment as a 580 from five years of missed payments. That means Class A properties (650+ minimums) will decline, and even some Class B communities will flag it.

The strategy for thin-file applicants mirrors the approach for no-file applicants: lead with income strength, provide thorough documentation, and target property classes where the score threshold is below the thin-file number. If the thin-file score is 580, communities requiring 550+ are the right targets. A third-party guarantee can bridge the gap if the score falls below a property’s minimum but the rest of the application is strong.

The Approval Process for No-Credit Renters in San Antonio

Getting approved without credit history follows a specific sequence. Skipping steps (especially the pre-screening step) is how renters lose money on applications that were never going to get approved.

Step-by-Step Process

The Third-Party Guarantee: The Tool Nobody Explains

Third-party guarantee services are the single most useful approval tool for no-credit renters at managed apartment communities, and almost no advice article mentions them.

Here’s how it works. A third-party guarantee company (Liberty Rent, The Guarantors, OneApp Guarantee, and others) acts as a corporate co-signer on the lease. The company underwrites the renter’s risk (reviewing income, background, and rental history) and then issues a guarantee certificate to the apartment community. If the renter defaults on rent, the guarantee company pays the property. The property’s risk drops to near-zero, which is why communities accept applicants they’d otherwise decline.

Fee structure: The typical cost is one month’s rent, paid as a one-time fee at lease signing. For a $1,100/month apartment, that’s an $1,100 guarantee fee. Some companies offer split payment: half at signing, half spread over 5–6 monthly installments added to rent. The fee is non-refundable and charged again at lease renewal.

Income requirement with guarantee: Standard screening requires 3x rent income. With a third-party guarantee, most properties reduce the requirement to 2.5x rent. On a $1,100/month apartment, that drops the income threshold from $3,300/month to $2,750/month.

Which properties accept them: Not every community works with third-party guarantee providers, and there’s no public list. Some Class B properties accept them, some don’t. Same with Class C and Second-Chance communities. The providers currently active in the San Antonio market include Liberty Rent, The Guarantors, and OneApp Guarantee. San Antonio Apartment Locators knows which specific communities accept which guarantee providers — that’s one of the main reasons renters in this situation work with a locator instead of calling 30 leasing offices to ask.

This isn’t a co-signer. No individual family member or friend signs anything or takes on liability. It’s a corporate insurance product. The renter is the only person on the lease.

For no-credit renters in San Antonio, a third-party guarantee is often the difference between getting approved at a well-maintained Class B property and settling for the cheapest option available. It costs money upfront, but it opens doors that would otherwise stay closed.

Document Preparation Checklist for No-Credit Applicants

Having documents ready before the first tour prevents delays and shows leasing teams that the applicant is organized and serious.

For employed applicants: Last 2–3 pay stubs (within 60 days), employer contact info (HR phone number), photo ID, Social Security card or ITIN, and previous landlord contact info if any rental history exists.

For self-employed applicants: Last 2 years of tax returns (full returns with all schedules), year-to-date profit/loss statement, last 3–6 months of bank statements, business license if applicable, and photo ID.

For military PCS applicants: PCS orders, military ID, Leave and Earnings Statement (LES), and contact info for unit command if employment verification is needed.

For international applicants: Passport and visa documentation, employment offer letter on company letterhead, last 6 months of bank statements (U.S. or international), and international credit report if available from home country.

Where No-Credit Renters Have the Most Options in San Antonio

San Antonio’s apartment inventory isn’t evenly distributed across property classes. Some areas lean heavily toward newer Class A construction with strict screening. Others have deep concentrations of Class B and Class C properties where no-credit renters have realistic approval pathways. The table below maps the areas with the most accessible inventory.

What this means for no-credit renters: The Medical Center/USAA corridor and the Northeast Perrin Beitel/Nacogdoches corridor offer the deepest mix of Class B and Class C properties with established leasing teams accustomed to working with non-traditional applicant profiles. These aren’t the newest apartments in the city, but they’re well-located and have the screening flexibility that no-credit renters need.

The Far West Side near Sea World and Alamo Ranch has grown rapidly with newer construction, largely Class A product that will be harder for no-credit applicants to access without a co-signer or third-party guarantee. But some Class B inventory exists in the 78245 zip code that’s worth exploring if that side of town fits a commute need.

Military families on PCS to Lackland typically look at the far west side first. Families headed to Fort Sam Houston gravitate toward the northeast corridor. Randolph-bound families often land in Converse or Universal City. (For families with children prioritizing school districts, see the guide to family-friendly areas to rent across San Antonio.) All three areas have communities experienced with military relocation documentation, which overlaps significantly with no-credit applicant processing.

The South Side around Brooks and the Mission area offers the most budget-friendly rents in the city, with a heavy Class C and Second-Chance property mix. For no-credit renters on a tight budget (particularly those with income at 2x–2.5x rent rather than 3x) this area has the lowest barrier to entry. The trade-off is older housing stock and longer commute times to the northwest and north side employment centers.

Pricing Reality: What No-Credit Renters Actually Pay in San Antonio

The rent number on a listing site is not the number that comes out of a renter’s bank account each month. San Antonio apartments carry mandatory fees that add $75–$200/month to the advertised price. According to Yardi Matrix market data, San Antonio’s average apartment rent declined roughly 0.6% year-over-year as of mid-2025, with occupancy in stabilized properties around 90.7%, and no-credit renters should expect higher-than-minimum deposits at most communities.

Net Effective Rent: The Number That Actually Matters

San Antonio’s apartment market runs concessions, particularly at properties trying to fill units. “One month free” or “6 weeks free” sounds great, but what does it mean in actual monthly cost?

Net effective rent formula: (Monthly rent × lease term − free months × monthly rent) ÷ lease term = actual monthly cost

Worked example: A Class B property on the northeast side advertises $1,050/month for a 1BR with 1 month free on a 12-month lease.

($1,050 × 12 − $1,050 × 1) ÷ 12 = $11,550 ÷ 12 = $962.50/month net effective rent

That’s $87.50/month less than the sticker price. Over a 12-month lease, that’s $1,050 saved. But the savings only materialize if the renter compares net effective rent across properties instead of just looking at the listed price.

Realistic Monthly Cost Breakdown for No-Credit Renters

The gap between advertised rent and actual monthly cost runs 8–15% at most San Antonio communities. Always ask the leasing office: “What is the total monthly cost including all mandatory fees?” before applying.

Move-In Cost Estimates

No-credit renters should budget for higher upfront costs than renters with established credit, because deposits tend to be larger.

Class B move-in estimate: First month’s rent ($1,100) + deposit ($500–$1,000) + application fee ($50–$75) + admin fee ($100–$300) = $1,750–$2,475 total

Class C move-in estimate: First month’s rent ($850) + deposit ($600–$850) + application fee ($50–$75) + admin fee ($0–$200) = $1,500–$1,975 total

If third-party guarantee is needed, add one month’s rent to either estimate. That’s an additional $850–$1,100 depending on the property.

How to Apply Without Wasting Money

Application fees in San Antonio run $50–$150 per person, per property, and they’re non-refundable. For no-credit renters, every wasted application fee hurts, and applying blindly without pre-screening is how those fees stack up.

Call before you apply. Phone the leasing office and ask directly: “I don’t have a credit history. I have clean background, [X amount] income, and no rental history issues. Can you tell me if that’s something your screening process can work with?” A 5-minute phone call saves a $75 application fee at properties that would auto-decline. Under Texas Property Code §92.3515, landlords must provide written tenant selection criteria before collecting an application fee, so renters have the right to know screening standards upfront.

Apply sequentially, not simultaneously. Submit one application to the property with the highest approval likelihood. Wait 24–48 hours for the screening result. If approved, done. If denied, apply to the next property on the list. This approach protects credit (each application creates a hard inquiry that drops credit score 5–10 points, which matters for thin-file applicants building their score) and prevents burning through hundreds in fees.

Disclose upfront. Tell the leasing office about the no-credit situation before they run the screening report. “I want to be transparent. I don’t have a credit file because [reason]. My income is [X] and my background is clean. What does your approval process look like for applicants in my situation?” Properties with genuine case-by-case review will tell you what they need. Properties that auto-decline will save you the application fee.

Time it right. San Antonio’s rental market softens in November through February: fewer people moving, more vacant units, more concessions. That’s negotiating power for any renter, but especially for no-credit applicants. Properties with empty units are more motivated to find approval pathways. Summer (May through August) is the tightest market with the least flexibility.

Apartment availability operates on roughly a 60-day window. A unit available today needs to be leased within 30–60 days or the property starts losing money on vacancy. Starting the search 30–45 days before the target move-in date hits the window where inventory is visible but not yet gone.

Hard Stops: When No-Credit Approval Gets Difficult

Honesty matters here. Not every no-credit situation has an easy path to approval, and pretending otherwise wastes time and money.

No credit + no verifiable income is the hardest combination. Without a credit score OR proof of income, the property has nothing to evaluate. Cash income without tax returns, bank statements, or any documentation trail leaves leasing teams with no way to justify an approval. The options narrow to private landlords who don’t use formal screening, or prepaying several months of rent upfront (which requires having those funds available).

No credit + recent eviction or property debt changes the profile entirely. The no-credit issue becomes secondary to the rental history issue. Property debt (money owed to a previous landlord) triggers automatic declines at 99%+ of communities regardless of credit status. Third-party guarantee is the only path forward, and approval shifts to Second-Chance properties specifically. For renters dealing with eviction history alongside no credit, San Antonio Apartment Locators has a separate guide on eviction-friendly apartments in San Antonio.

No credit + felony under 5 years also narrows options significantly. Background check lookback periods at Class B properties typically require 5–7 years of clearance. (More on how background issues affect apartment approval in San Antonio.) A 3-year-old felony combined with no credit history limits the search to Second-Chance communities and some Class C properties with shorter lookbacks. Expect 1–5 realistic options in most San Antonio sub-markets rather than 20–30.

San Antonio Apartment Locators can’t help with every situation, and this page won’t pretend otherwise. But for the majority of no-credit renters (first-timers, international relocators, cash-economy workers, military PCS) the options are real and the approval pathways are well-established.

Why Work With an Apartment Locator for No-Credit Situations

The biggest risk for no-credit renters is wasting money applying to the wrong properties. A $75 application fee at a Class A property that auto-declines anyone without a 650+ score is $75 gone. Do that three times and it’s $225 lost before anyone even looked at the rest of the application.

An apartment locator’s value for no-credit renters comes down to one thing: knowing which communities approve which profiles. San Antonio has roughly 700 apartment communities. A locator who works with non-traditional applicant profiles regularly knows which management companies have documented pathways for no-credit applicants, which ones accept third-party guarantees, and which ones will decline before reading past the credit report.

The cost to the renter is zero. Apartment locators in Texas are paid by the apartment community, not by the renter. The community pays a referral fee from their marketing budget when the renter signs a lease. Rent is the same whether the renter uses a locator or walks in off the street. Application fees are typically reimbursed by the locator upon successful approval.

That’s the Win-Win-Win: the renter gets matched to communities that will actually approve them (saving time and application fees), the community gets a qualified tenant who’s been pre-screened for their criteria, and the locator earns a referral fee.

“Why can’t I do this myself?” You absolutely can. Everything on this page gives you the framework to do your own search. The value a locator adds is specificity: knowing that Management Company X at Property Y on the northeast side approved three no-credit applicants last month with 2.5x income and clean background, while Management Company Z at the property across the street declines everyone without a 600+ score. That property-by-property knowledge comes from working with leasing teams daily, and it’s the kind of information that isn’t published anywhere online.

Frequently Asked Questions

Can I rent an apartment in San Antonio with no credit score?

Yes. San Antonio has a large inventory of Class B and Class C apartments where no credit score is not an automatic disqualifier. Approval depends on income (typically 2.5x–3x the monthly rent), clean background, and sometimes a third-party guarantee or higher deposit. The number of communities available depends on the renter’s full profile, which is why working with a locator who knows each property’s criteria saves time and application fees.

What credit score do San Antonio apartments require?

It depends entirely on property class. Luxury properties require 680–720+. Class A properties require 650–680. Class B properties range from 580–650. Class C properties accept 550–580. Second-Chance properties accept 500–600 and sometimes below. For renters with no score at all, the number isn’t the issue. It’s the absence of a file, which Class B and C properties can work around with income documentation. The Consumer Financial Protection Bureau offers guidance on understanding credit reports and checking current status.

Do San Antonio apartments accept international renters with no U.S. credit?

Many do, particularly communities near JBSA installations and in areas with international populations. Approval typically requires passport and visa documentation, an employment offer letter, 6 months of bank statements (U.S. or international), and sometimes prepayment of 3–6 months’ rent. Properties in the Medical Center corridor, northeast near Fort Sam Houston, and the far west side near Lackland have leasing teams experienced with this documentation pathway.

What is a third-party guarantee and how much does it cost?

A third-party guarantee is a corporate co-signer service. A company (like Liberty Rent, The Guarantors, or OneApp Guarantee) reviews the renter’s financial profile and issues a guarantee to the apartment community, backing the lease in case of default. The cost is typically one month’s rent as a one-time fee, with some companies offering split payment. It’s non-refundable and charged again at lease renewal. Not every community accepts third-party guarantees, and acceptance varies by property and management company. San Antonio Apartment Locators tracks which communities work with which providers.

Which San Antonio neighborhoods have the most options for no-credit renters?

The Medical Center/USAA corridor (78229, 78240), the Northeast Perrin Beitel/Nacogdoches corridor (78217, 78218, 78233), and the Northwest Balcones Heights/Ingram area (78201, 78228) all have dense concentrations of Class B and Class C properties. For the most budget-friendly options, the South Side around Brooks and the Mission area (78223, 78214) has the city’s deepest Class C inventory with the lowest rent floors.

How much deposit will I need with no credit history?

Expect $500–$1,200 at Class B properties and $600–$1,000 at Class C properties. Some communities offer reduced deposits with a third-party guarantee or proof of strong income. Luxury and Class A properties that do accept no-credit applicants (rare) typically require one full month’s rent as deposit. Deposits in San Antonio are generally lower than in Austin or Dallas, but no-credit applicants should budget toward the higher end of each range.

Can I use a co-signer instead of building credit?

Yes, but co-signer requirements still apply. The co-signer and the primary applicant must have a combined income of at least 3x the monthly rent. For a $1,100/month apartment, that means combined household income of at least $3,300/month between the applicant and the co-signer. Co-signers are legally responsible for the full rent if the primary tenant doesn’t pay. If no one in the renter’s personal network is able or willing to take that on, a third-party guarantee service is the alternative. It functions the same way without requiring an individual to accept that liability.

How long does the approval process take with no credit?

Standard processing takes 24–48 hours for most applications. If a third-party guarantee is needed, add 2–3 business days for that company’s underwriting process. Total timeline from first application to lease signing typically runs 3–7 business days for no-credit renters with clean profiles. Renters who pre-screen properties by phone before applying can shorten the timeline by eliminating communities that would decline.

Is no credit treated the same as bad credit by apartments?

Not by the screening system, but sometimes by the result. Automated screening may flag both “no score” and “low score” as failing to meet a credit minimum. The system just sees that the threshold wasn’t met. The difference matters at properties with manual review or case-by-case policies, where a leasing manager can distinguish between “this person has no history” and “this person has a history of not paying.” Class B and C properties with human review processes are where that distinction produces different outcomes.

How does an apartment locator help if I have no credit?

A locator’s value is knowing which specific San Antonio communities approve no-credit applicants and what documentation each one requires. Instead of calling 30 leasing offices to ask about their no-credit policy, the locator already knows which 8–10 properties in a target area will work with that profile. That saves the renter time, protects their application fees, and matches them to the property with the highest approval likelihood first. The service is free to the renter. The apartment community pays the locator’s referral fee.

Get Help Finding an Apartment in San Antonio With No Credit History

San Antonio Apartment Locators works with renters in no-credit situations regularly: first-time renters, military PCS families, international relocators, and anyone who’s never needed a credit card before. The process starts with you filing out this form and then having short conversation about income, timeline, preferred area, and any other factors affecting the search.

After reviewing the details, San Antonio Apartment Locators typically responds within 24–48 hours with a curated list of communities matched to the renter’s approval profile. Not generic listings. Specific properties where the screening criteria align with the applicant’s situation.

If it turns out the situation has complications that limit options, that information gets shared honestly too. No one’s time gets wasted.

Or call directly: (210) 468-7667

San Antonio Apartment Locators is committed to Fair Housing practices. Equal professional service is provided to all persons without regard to race, color, religion, sex, handicap, familial status, or national origin. All properties referenced are subject to the Federal Fair Housing Act and the Texas Fair Housing Act.

Screening criteria referenced on this page are subject to change and may vary by unit type, lease length, and applicant profile. This information is based on general market patterns and should be verified with each property before applying.

Marlene Quade | TX Real Estate Licensee | Brokered by Spirit Real Estate Group, LLC | Broker License #562021