Get approved for your dream home

Get approved for your dream home

Padder is the easiest and most affordable way to get into your next rental.

Working for renters

I can’t afford to pay 12 months upfront.

No body will co-sign my lease.

I don’t qualify with my income.

I don’t have a credit history to qualify.

It’s simple to get started

1

Fill out our questionnaire and upload a few documents.

2

Qualify to move into your new rental in as little as 30 minutes.

3

Get approved for the home you want without breaking the bank.

Secure the keys to your new home

Our products unlock financial freedom and flexibility for all types
of renters.

Our products unlock financial freedom and flexibility for all types of renters.

Qualify for your next rental without needing help from family or friends. We’ll back you instead, giving you the edge you need to get in the door.
Affordable and comprehensive renter’s coverage that protects your prized possessions and meets your property manager’s move-in requirements.
Choose to report your monthly rental payments to Equifax. Over the long term, you’ll boost your credit history and improve your financial position.

Realize your rent potential

The key to your
new home

Padder makes it easy to secure the place you actually want.

Your Annual Income

Without Padder

With Padder

Getting you approved

is our priority

is our priority

We work hard to process your application fast and secure you the best coverage rates. You can reach
us between Monday and Saturday from 9 a.m. to 6 p.m. EST.

Contact us directly

Without Padder, I wouldn’t have been able to afford my current home. Despite having a steady income, the initial rental deposit was more than I had saved up, and there was no one I could ask to be my guarantor.

Shota Fujimoto
Freelancer

Your information
is secure

Our established insurance providers have been protecting Canadians for nearly 20 years. Coverage is provided by an insurance company currently rated A- (excellent) by A.M. Best. 

We’re here to answer your questions

We’re a fintech company providing insurance solutions that enhance access for renters and protection for landlords. As a licensed insurance broker, we collaborate with insurance carriers to deliver the necessary coverage.

Padder Guarantor is a bespoke insurance policy that ensures tenants meet their lease obligations throughout their tenancy. By purchasing this policy, renters can meet the qualifications to rent a home they might not otherwise qualify for. The policy covers the landlord for the duration of the lease, ensuring rent is paid even if the renter misses a payment—though the renter remains responsible for those payments to Padder.

Renters pay for the insurance policy. The price is determined after they go through our underwriting process. Our Padder Guarantor covers the tenant’s lease obligations and reimburses landlords for missed rent payments.

Padder Guarantor is paid for by the tenant and costs between 25% and 130% of one month’s rent. The total cost depends on the coverage selected by the property manager, the province of residence, and the tenant’s credit history.