How to Apply for Padder Guarantor (Padder Guarantor + Deposit)

Here's what the process looks like from start to finish. You apply for the unit with the landlord or property manager first. If they refer you to Padder after they've reviewed your application, here's what to do.

1. Visit Padder.com
Go to Padder.com and select 'Sign Up' or 'Get Approved'. Select 'Padder Guarantor + Deposit' to begin your application.

2. Create your account and enter lease details
You'll be asked to create a secure Padder account using your Google account or email, and share basic details about your rental unit (address, unit number), your lease (monthly base rent, lease start date), and your household (who will be living in the unit). If you have roommates, you'll be able to add them as co-applicants.

3. Add roommates (if applicable)
For shared units, if you and your roommates are on the same lease:

• You'll be prompted to add each roommate to the application (enter their email).
• Roommates receive an email invite to complete their own application.
• Everyone on the lease applies together as one household.

If a roommate can't find their invite email, or opens the link but doesn't see the application, we have short guides for both:

• Can't find your co-tenant invite email? and

• Invite link opens but your application isn't showing?

4. Upload your documents
To get started, you only need to upload your government-issued photo ID. You can also optionally provide your SIN so we can run a soft credit check (no impact to your score) quickly and accurately.

That's it for the initial submission. Once our team reviews your application, they may request additional documents on a case-by-case basis. If anything else is needed, we'll let you know directly and you can upload it securely from your phone or computer.

5. Receive your decision
Once all leaseholder applications and documents are complete, you'll receive a decision by email: approved, declined, or more info required. If you're approved, the email will include a link back to your Padder account where your checkout will be ready.

If Padder Deposit is included with your application, you'll see both products in your checkout summary and sign one combined agreement covering both. You can learn more in our separate Padder Deposit help centre article.

6. Sign your agreement and pay your premium
When you log back into your Padder account after approval, you'll land on your checkout page. You'll see a summary of your application, the agreement to sign, and your payment options.

Sign the agreement. Click 'Sign Agreement' to open your document. To sign, you'll scroll through the entire agreement, type your full legal name exactly as it appears on your application, check the box acknowledging the Indemnity Agreement, and click 'Agree & Sign'. You can read what the Indemnity Agreement means in our separate policy article. If you have co-applicants, each of you signs your own copy, and everyone on the lease must sign before the application is complete.

Who pays. The premium is paid once per lease by the primary applicant. If you're a co-applicant, you'll sign your own copy of the agreement, but you won't be asked to pay separately.

Pay your premium. Once the primary applicant's agreement is signed, the payment section unlocks. There are two options:

• Interac e-Transfer (free, recommended). Click 'Generate reference code' and Padder will give you a unique reference code (looks like PADR-XXXX). Send your transfer to payments@padder.com and paste the reference code in the message field. Auto-deposit is enabled — no security question or password needed. Then click 'I've sent the transfer' so we know to look out for it. We'll confirm receipt within 48 hours.
• Credit or Debit Card. Pay directly through our secure checkout. A 2.4% processing fee applies. If you pay by card, the amount is placed on hold rather than charged right away — it's only completed once every leaseholder has signed.

7. After you're signed and paid
Once everything is signed and paid, a copy of your policy is emailed to you and your landlord, and you can download it from your Padder account. If Padder Deposit is included, your confirmation shows both policy numbers.

If anything in your lease changes (rent, dates, occupants), contact Padder support so we can confirm whether anything needs to be updated.