Pricing
A clear quote. A lower-cost path to approval.
Applying is free. If you’re approved, you’ll see a personalized quote before deciding whether to purchase your lease guarantee — so you can compare it against every other option.
Free to apply · No obligation · You only pay if you move forward
Your quote
Free to apply
Monthly rent
$3,200
Lease term
12 months
Application fee
$0
One-time premium
Paid once, before your lease is signed
$1,895
Illustrative only. You’ll see your actual quote after a free application.
The Basics
You only pay when you choose to move forward
Free to apply
No charge to create an account, submit your information, or receive a quote, and your credit score is not affected.
One-time premium
A single payment made before the guarantee is issued and the lease is signed.
Priced per lease
One quote covers the insured lease — roommates can split the cost however they like.
Get the home you want
If landlords will not accept your current financial profile, bind PandaGuarantee to pay rent in the event of a default. Understand you remain personally liable for all rental charges.
Covers the full term
The premium buys the guarantee for your lease term and is non-refundable once coverage begins — though it can be refunded if move-in and signing are cancelled.
Shop around — we mean it
We encourage applicants to get quotes from a range of guarantor products and pick the best price for them.
What Affects Your Quote
Your quote is based on your application — not a flat fee
We review your full financial picture, so the things that actually reflect your ability to pay are the things that move your price.
Monthly rent
Higher rent requires a larger financial guarantee.
Lease length and months of coverage
A longer guarantee period means greater exposure.
Income & employment
Amount, consistency, and how well it’s documented.
Savings & assets
Cash reserves help demonstrate you can meet the lease.
Credit profile
Considered — but never the only part of the decision.
Roommates & co-applicants
The combined profile of everyone on the lease counts.
Out-of-state guarantors
Most landlords reject them. We’ll count their finances and lower your premium
Coverage required
The landlord sets the amount and type of coverage needed.
Two renters applying for the same apartment can get different quotes
A personalized review lets us recognise these differences — instead of charging everyone the same price, or rejecting anyone who falls outside a rigid formula.
The recent graduate
Little rental history, but a signed offer letter that shows exactly what’s coming in. We can price against the offer instead of an empty credit file.
The international student
No U.S. credit history, but supported by substantial family assets. Those assets count here, even without a domestic guarantor.
The freelancer
No steady payslips, but several years of bank statements showing consistent earnings.
Many approved renters receive a quote below one month’s rent
The exact amount always depends on your application and the lease — which is why the quote is free to get.
Get the most accurate quote
Four things make your review faster and your quote sharper.
Enter your income and employment details accurately
Include every roommate and co-applicant on the lease
Follow up with additional leaseholders to ensure they submit details
Add the exact rent and lease terms you’re applying for
Leaving information out can delay your application or produce a quote that doesn’t reflect your full financial position.
FAQ
Frequently Asked Questions
How much does PandaGuarantee cost?
Is there a fee to apply?
When do I pay?
Is the premium monthly?
Can roommates split the cost?
Can my landlord pay instead?
Can I pay in installments?
No charge to apply, and no obligation to purchase once you’ve seen your quote.
Quotes, approval, and coverage are subject to underwriting, eligibility, property participation, and the terms, conditions, limits, and exclusions of the applicable guarantee. In some states, coverage is underwritten by a surplus lines insurer and placed through a licensed surplus lines agent. Availability may vary by property and jurisdiction.
Fill Vacancies, Risk-Free.
1 World Trade Center, 85th Floor, New York, NY 10007