Who can apply for Padder Guarantor?
Padder Guarantor is available to renters applying at a Padder-partner residential property.
Who Padder Guarantor is designed for
Padder Guarantor is built to support renters whose applications may benefit from additional backing, including:
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Newcomers to Canada and international residents
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International and domestic students
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Recent graduates and early-career professionals
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Self-employed, contract, or gig workers
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Renters building their credit history
- Renters who don't have a local co-signer or guarantor
In these situations, Padder gives your landlord a structured, insured way to move your application forward.
How applications are reviewed
Every Padder Guarantor application is reviewed through Padder's underwriting process. Decisions are based on objective criteria applied consistently to all applicants.
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As part of your application, you'll provide identity and, where applicable, supporting documentation.
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You may consent to a soft credit check, which does not impact your credit score.
Padder doesn't publish the specific criteria or weightings used in underwriting, and submitting an application doesn't guarantee approval.
For exactly what to have ready, see "What documents do I need to apply?"