Esusu: Pay Rent & Build Credit

Build your financial future with Esusu.


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


Members can apply to split payments on rent without any hidden fees to help with credit building. Esusu renters see an average 53-point credit score increase after enrolling in rent reporting.* Your on-time rent day 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 credit history changes, and download a fresh credit report each month. From credit building and monitoring to financial tools for unlocking split payments, 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:
Boost your credit building 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 credit history: 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 building: Track your credit score, monitor your progress, and celebrate milestones as your financial profile grows.
• Split payments for your rent day with Esusu Pay: Eligible renters can apply to split payments for 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 credit-building goals.
• Everything you need to build financial confidence in one app, from split payments for rent to credit building over time.
• 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 for credit building and monitoring: Access credit monitoring, educational resources, progress tracking, and personalized insights all in one place to help build your credit history.
• 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.

Recent changes:
Same Esusu, fresh new look. We redesigned the app to make your experience simpler, smoother, and easier to navigate, with a few performance improvements behind the scenes, too.