--- title: How long does approval take? description: Padder Guarantor decisions usually take an hour to a few days after every household member applies. Standalone Padder Deposit is approved instantly. image: https://help.padder.com/hubfs/Partner_Brand_Centre/Padder_Link_Preview_1200x630.png --- [Skip to content](https://help.padder.com/how-long-does-approval-take#main-content) [![Padder Logo](https://help.padder.com/hs-fs/hubfs/Padder%20Logo.png?width=250&height=72&name=Padder%20Logo.png)](https://help.padder.com) - [Help Centre](https://help.padder.com/) - [Claims Centre](https://resources.padder.com/claims) - [Contact support](https://resources.padder.com/support) Open main navigation Close main navigation - [Help Centre](https://help.padder.com/) - [Claims Centre](https://resources.padder.com/claims) - [Contact support](https://resources.padder.com/support) Search the Help Centre - There are no suggestions because the search field is empty. 1. [Padder Help Centre](https://help.padder.com/) 2. [Residential Tenant](https://help.padder.com/residential-tenant) 3. [Applying to Padder: How the Process Works](https://help.padder.com/residential-tenant#applying-to-padder-how-the-process-works) September 19, 2026 # How long does approval take? ## What to expect after you submit, and what to do if it is taking longer. #### Typical timelines **Application time**: usually under 15 minutes if you have your ID ready. **Standalone Padder Deposit**: instant. You see your price as soon as you enter your building and rent, and you can buy your policy in the same sitting. There is no review step. **Padder Guarantor (and Padder Guarantor + Deposit**): once every leaseholder has applied and any requested documents are in, Padder reviews your file and confirms your lease details with your building's leasing team. The app describes this as taking anywhere from an hour to a few days. Applications with several roommates or an employer-held lease can take longer. You can see where you are at any time: sign in and check the progress tracker on your application page. See How to check the status of your application. **What slows an application down** Delays almost always come down to something outstanding: One or more roommates hasn't finished their part of the application We've asked for documents and they haven't been uploaded yet, or a file is blurry or cut off Income, savings or residency documents don't match what was entered in the application Your leasing team hasn't confirmed your lease details with us yet Padder can't issue a decision until every leaseholder's application is complete and the documents are clear enough to review. If something is missing, we email you and your application page shows exactly what to upload. **If it's taking longer than a few days** 1\. Check your email, including spam and junk, for a message from Padder asking for documents or clarification. 2\. Sign in and look at your progress tracker. If it shows "Documents Requested", we are waiting on you. If it shows "Awaiting Leasing Team", it can help to let your leasing team know you have applied with Padder. 3\. Ask Paddie, our chat assistant, in the Help Centre. Paddie can hand you to a person when needed. 4\. Still stuck? Email support@padder.com with your name and the address you applied for. - [Residential Tenant](https://help.padder.com/residential-tenant#main-content) - [Start Here: About Padder & Your Options](https://help.padder.com/residential-tenant#start-here-about-padder-your-options) - [Padder Credit Builder](https://help.padder.com/residential-tenant#padder-credit-builder) - [Eligibility: Who Padder Is For](https://help.padder.com/residential-tenant#eligibility-who-padder-is-for) - [Coverage & Limits: What’s Protected](https://help.padder.com/residential-tenant#coverage-limits-whats-protected) - [Pricing, Payment & Refunds](https://help.padder.com/residential-tenant#pricing-payment-refunds) - [Applying to Padder: How the Process Works](https://help.padder.com/residential-tenant#applying-to-padder-how-the-process-works) - [Troubleshooting Your Application](https://help.padder.com/residential-tenant#troubleshooting-your-application) - [Your Responsibilities & the Indemnity Agreement](https://help.padder.com/residential-tenant#your-responsibilities-the-indemnity-agreement) - [Managing Your Policy: Changes, Transfers & Reapplying](https://help.padder.com/residential-tenant#managing-your-policy-changes-transfers-reapplying) - [Trust, Safety & Support](https://help.padder.com/residential-tenant#trust-safety-support) - [Frequently Asked Questions](https://help.padder.com/residential-tenant#frequently-asked-questions) - [Residential Operator](https://help.padder.com/residential-operator#main-content) - [Getting Started & Referrals](https://help.padder.com/residential-operator#getting-started-referrals) - [Coverage & Claims](https://help.padder.com/residential-operator#coverage-claims) - [Frequently Asked Questions](https://help.padder.com/residential-operator#frequently-asked-questions) - [Terms of use](https://padder.com/terms-of-use/) - [Privacy Policy](https://padder.com/privacy-policy/) - [Privacy Statement](https://resources.padder.com/privacy-statement) - [Disclosure Statement](https://resources.padder.com/disclosure-statement) - [Regulatory Disclosures](https://resources.padder.com/regulatory-disclosures) - [CISRO Conduct Sheet](https://www.cisro-ocra.com/Documents/View/2471) - [Broker Fact Sheet](https://www.ribo.com/wp-content/uploads/2025/01/RIBO_Conduct_Sheet_040622-fact_sheet-1.pdf) - [Contact us](https://resources.padder.com/support) [![Padder Logo](https://help.padder.com/hs-fs/hubfs/Padder%20Logo.png?width=180&height=52&name=Padder%20Logo.png "Padder Logo")](https://www.padder.com) Padder Underwriting Inc. is a licensed insurance broker headquartered in Toronto, Ontario. It arranges coverage for tenants and landlords in provinces where it is licensed to offer insurance products. Padder partners with licensed Canadian insurers to provide your coverage. Need help? Paddie, our AI chat, is here any time. Our team is on email and phone Monday to Friday, 9am to 5pm ET. © 2026 Padder Underwriting Inc. All rights reserved.