Renting in Toronto is already tough — and it gets harder if your credit score isn’t great. But bad credit doesn’t automatically mean you’ll get rejected. Many renters in the city manage to secure good units by being upfront, organized, and showing landlords other forms of stability.
Here’s what actually works:
1. Be Honest and Explain Your Situation
Don’t try to hide a low score. Most landlords will find out anyway when they run your credit.
Instead, include a short note explaining why your credit is low (e.g. student loans, past missed payments, newcomer to Canada). Show that you’ve been consistent lately and are rebuilding.
2. Show Strong Income Proof
A steady job can offset weak credit. Provide:
Employment letter with salary and position
Recent pay stubs
Bank statements showing regular deposits
Landlords value consistent income over a perfect credit score.
3. Offer More Security Upfront
This is one of the most effective strategies:
First and last month’s rent (standard)
Extra month or two upfront if you can afford it
It shows you’re serious and reduces the landlord’s risk.
4. Use a Co-Signer or Guarantor
If a friend or family member with good credit is willing to vouch for you, it makes a big difference. Many landlords will accept your application if a guarantor signs.
5. Provide Great References
If you’ve rented before, get a positive reference from your previous landlord.
If not, ask for a professional reference from your employer or manager who can confirm your reliability.
6. Highlight Stability and Responsibility
Write a short introduction: who you are, what you do, how long you plan to stay, and that you pay rent on time.
Most landlords want peace of mind more than anything else.
7. Target Private Landlords Instead of Big Property Managers
Large corporations are strict with credit checks. Independent landlords can be more flexible if they meet you in person and like your overall situation.
8. Apply Fast and Be Organized
Have all your documents ready in a single PDF:
Credit report
Employment letter
Pay stubs
References
Photo ID
Short intro letter
You’ll stand out as prepared and responsible.