Esusu: Pay Rent & Build Credit

Esusu, Inc.

About this app

Build your financial future with Esusu.

Esusu is the financial wellness app built to empower businesses and renters with the financial tools they need to succeed. Unlock rent reporting, help build credit, track your progress, apply to split rent payments^, and access support all in one place.

Members can apply to split rent payments and help build credit without any hidden fees or costs. Esusu renters see an average 53-point credit score increase after enrolling in rent reporting.* Your on-time rent payments can help build your credit history, and with tools like rent splitting, you can pay rent in a way that actually fits your life.

Track your credit score in the app, monitor monthly changes, and download a fresh credit report each month. From credit monitoring to financial tools, we give you more control over where your money is going and what it’s doing for your financial health.

Esusus is empowering financial mobility at scale, unlocking billions and supporting millions. Download today!

ESUSU APP FEATURES:

Help build credit with the rent you're already paying

Whether you're building credit for the first time or working to improve your credit score, Esusu helps turn your monthly rent payment into an opportunity to strengthen your financial future.

• Help build your credit: Report eligible on-time rent payments to all three major credit bureaus: Equifax, Experian, and TransUnion, with up to 24 months of eligible payment history included where available.
• Monitor your credit: Track your credit score, monitor your progress, and celebrate milestones as your financial profile grows.
• Split your rent with Esusu Pay: Eligible renters can apply to split one month's rent into two interest-free payments with Affirm through Esusu Pay, helping make rent more manageable. Subject to eligibility and approval. Available at select properties.

Financial tools to help you reach your goals

Everything you need to build financial confidence in one app.

• 1:1 financial coaching: Connect with certified financial coaches through Operation HOPE at no additional cost to create a personalized plan for your financial goals.
• Credit Hub: Access credit monitoring, educational resources, progress tracking, and personalized insights all in one place.
• Marketplace savings: Discover exclusive offers and financial products curated to help you save money and improve your financial health.
• Local resources: Find free and low-cost housing, food, healthcare, employment, utility assistance, and other community resources based on your ZIP code.
• Tax tools: Access to tax filing resources directly in the app.

Start building your financial future with Esusu today.

*Based on active renters at active properties from enrollment through Q4 2025. Average credit score increase calculated by comparing enrollment credit score to the latest available credit score as of Q4 2025, treating renters with no credit score at enrollment as having a score of zero. Esusu only reports on-time rent payments and does not report missed or late rent payments to the credit bureaus. Rent reporting services through Esusu does not guarantee an increase in credit scores or approval for any credit product, as scores are determined by credit agencies using multiple factors, including payment history on other accounts, credit utilization rates, and other variables. Individual results vary and are not guaranteed.

^Esusu is not a bank. Lending services are provided by third-party partners, including Affirm and Stable Home Fund. Subject to eligibility and approval.

Ratings and reviews

Originally my review contained distress over some malfunctions within the app that stopped me from being able to move forward, but I want to show appreciation that the Esusu team noticed my review, reached out to me, and were very diligent in helping me and making sure I was taken care of. The team was so patient and kind, and we were able to successfully move forward in the process. I worked closely with Colleen and she was absolutely great. Thanks for your help! 🥰

I started using Esusu a few months ago after my apartment enrolled in the program. It was nice knowing my rent payments could be included in my credit history the app is simple to navigate and easy to understand so far it's been a positive experience

my apartment building started using this app, today July 2nd first time trying to use the app had been a awful annoying experience. my real name and birthday the app won't accept, so I will be charged data messaging rates for not being able to use this app I just learned about from my apartment building. I'm uninstalling day 1. I don't have time for the nonsense. Fix your algorithm to accept all names and birthdays. Never again, please don't respond with a fake concern after I have complained.

What’s new

Split rent. Zero interest. Zero stress.