How to Find a Reliable Cosigner for an Apartment

What is a Cosigner?

A cosigner is someone who signs a lease agreement alongside the primary tenant and agrees to take financial responsibility if the tenant is unable to pay rent. Essentially, they act as a safety net for landlords, providing assurance that rent will be paid even if the tenant faces financial difficulties.

Cosigners are often needed when a tenant doesn’t meet certain rental qualifications, such as income requirements or credit history. Since students or young renters may not have an established credit score or a steady income, having a cosigner can make it easier to secure an apartment.

Unlike a roommate, a cosigner does not live in the apartment. Their role is strictly financial—they guarantee that payments will be made on time if the primary tenant cannot fulfill their obligations.

When Do You Need a Cosigner for an Apartment?

Not everyone needs a cosigner, but certain situations might make one necessary. If you’re renting for the first time, don’t have a steady income, or have a low credit score, landlords may require a cosigner to approve your lease.

Here are some common reasons you might need a cosigner:

• Limited or No Credit History – Many landlords check credit scores to determine financial reliability. If you haven’t built credit yet, a cosigner can help strengthen your application.
• Insufficient Income – Most landlords require tenants to earn at least 2.5 to 3 times the monthly rent. If your income doesn’t meet that threshold, a cosigner with a stable financial background can help.
• Past Credit Issues – If you have a low credit score or past financial troubles, a cosigner with strong credit can make landlords more comfortable renting to you.
• Student or Part-Time Worker Status – Many students or part-time workers don’t have a full-time salary, making it harder to meet leasing requirements on their own.

If any of these apply to you, having a cosigner can increase your chances of getting approved for an apartment. However, choosing the right cosigner is just as important as finding the right place to live.



If you’re unsure whether you need a cosigner, consider speaking with your potential landlord or property management company. Some landlords may be more flexible, offering alternatives like a larger security deposit or prepaying a portion of rent instead of requiring a cosigner.

What to Look for in a Cosigner

A cosigner should be financially stable, responsible, and trustworthy. Their credit score and income should meet landlord requirements to strengthen your rental application.

Trustworthiness & Reliability

A cosigner isn’t just a financial backup—they should also be dependable and committed to supporting you throughout the lease. Since their credit and finances are on the line, choose someone who is responsible and understands the long-term commitment. A reliable cosigner will communicate openly and take their role seriously.

Financial Responsibility

Even if a cosigner has a good income, they should also be smart with their money. Someone who consistently pays their bills on time and manages their finances well is less likely to run into issues if they ever need to step in. A financially responsible cosigner gives landlords confidence in your lease agreement.

Who Can Be a Cosigner?

A cosigner is usually a close family member, like a parent or guardian, but they can also be a relative, trusted friend, or even an employer. The key is finding someone who meets the financial requirements and is willing to take on the responsibility.

Most landlords prefer cosigners who have a strong financial history and a stable source of income. While family members are the most common choice, some landlords may also allow non-relatives as long as they meet the financial criteria. However, it’s always best to check with your landlord in advance.



Before asking someone to cosign, have an open conversation about expectations and commitments to ensure they’re comfortable with the role.

Is Getting a Cosigner the Right Choice for You?

Having a cosigner can help you secure an apartment, but it also comes with responsibilities. If you’re confident in your ability to pay rent on time and meet lease obligations, you may not need one. However, if your credit or income isn’t strong enough to qualify on your own, a cosigner can be a great solution.



Consider your financial situation carefully and discuss the commitment with your potential cosigner before making a decision.

Find Your Ideal Apartment with Weida

At Weida Apartments, we make the rental process as smooth as possible for Purdue students. Whether you need a cosigner or qualify on your own, we’re here to help you find a quality apartment at an affordable price.

Explore our available rentals and get started on your leasing journey today!

Have questions? We’re happy to help! Contact our team for more information about leasing requirements, cosigners, or available apartments