How does Rentqui work without my credit score?
Rentqui relies on information provided directly by you, not from credit bureaus. We will verify your employment, review your bank transaction history and overall financial circumstances.
Employment
Income
Existing debt
Type of debt
Credit and payment history
What you need
Eligibility Requirements
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Florida resident
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18 years or older
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Proof of employment
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Own an eligible checking account
Document Requirements
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Social Security Number
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Valid Photo ID
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Recent paystub (less than 30 days old)
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Connect all bank accounts where you receive salary and/or other income
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Identity verification
Confirm your identity
90+ days of transactions
Identity verification
English
Have your
documents ready
*Rentqui requires a minimum of 90 days of bank transaction history to underwrite a loan. Your bank must be supported by Plaid and provide at least 90 days of transactions.
How it works
I’m a new customer of a Rentqui Personal Loan, what can I expect?
Apply online
Our 100% online process means you can apply, borrow, and make payments without ever visiting a store.
Funded to your bank account
New customers are eligible for up to $500. Once approved, we send funds directly to your bank account.
Automatic biweekly Payments
Set it and forget it. Biweekly payments are automatically deducted from your bank account.
Got questions?
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What is Rentqui?Rentqui is not a cash advance app. Rentqui is not a payday lender with physical stores. Rentqui is not a loans marketplace that will sell your contact information to other lenders. Rentqui is a Miami, FL based online consumer lender and is licensed by the Florida Office of Financial Regulation. We don’t charge membership fees. We don’t require extra fees for instant/fast funding. We don’t ask for tips. We won’t resell your information to other lenders. You don’t have to visit a store to complete an application and get your money. With Rentqui you borrow money directly from us and repay it at a clearly stated and fixed interest rate.
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How much I can borrow?Approved amounts usually range from $250 to $1,500. New customers are eligible for up to $500. Loans are available only to Florida residents aged 18 and over. Applying for a loan does not guarantee approval or the maximum loan amount. Eligibility to apply is not a commitment to lend, and not all applicants will qualify for an unsecured personal loan or the full loan amount.
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Are there fees associated with my Rentqui loan?Rentqui does not charge application fees for loans. Interest rates are determined by the loan amount and in compliance with §516.031(1) of the Florida Consumer Finance Law. The maximum allowable interest and fees are up to up to 35.99% Annual Percentage Rates ("APR"). In addition to APR interest and fees, approved loans are also subject to government documentary stamp taxes and credit underwriting fees as allowed by §516.031(3) of the Florida Consumer Finance Law. Rentqui will never charge any "hidden fees" that are not fully disclosed in your Loan Agreement or the Rates and Terms. Late, failed, and/or returned payment transactions are subject to additional fees as allowed by §516.031(3) of the Florida Consumer Finance Law.
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I do not have any credit. Can I get a Rentqui Loan?Yes, for us you're more than your credit score. Rentqui does not rely upon credit scores and your eligibility is determined by looking at your broader financial picture.
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I have no bank, can I apply?Applicants must have a verified bank account to be eligible for a Rentqui loan.
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What if I share a bank account with someone else?Bank accounts can only be associated with one Rentqui account. If you receive your salary in a shared bank account and the other account owner has already used it to apply that account will not be eligible for consideration.