# Rent apartment with debts: Your 2026 guide

*Sigrid Dahlgren*
*6 september 2026*

> Discover how to rent an apartment with debts despite payment remarks or other financial challenges in 2026.

# Renting an apartment with debts: Your 2026 guide

Renting an apartment with debts in 2026 may seem impossible, but there are real opportunities to secure a home. This guide provides practical steps to increase your chances, understand your rights, and avoid common pitfalls.

## Legal rights and responsibilities

### What does the law say about renting with payment remarks?

According to the Swedish Land Code, landlords can reject a rental application if there are late payments or payment remarks in the Credit Registration (SCR). However, they must have a concrete reason, such as unpaid rent or lack of rental guarantee. You have the right to receive a written explanation for any rejection. Hyresgästföreningen helps you understand and challenge such decisions.

### How do debts affect the rental contract?

Debts do not automatically affect your rental agreement, but they can impact your financial credibility. Many landlords conduct credit checks, which may lead to rejection. It's important to be transparent about your financial situation and show a stable income or a good rental guarantee.

## Strategies to increase your chances of renting

### Renting with payment remarks – practical tips

Start by gathering all relevant documents: payslips, bank statements, and any payment plan agreements. Showing a stable income and that you have managed your debts can increase your chances. You can also offer an extra rental guarantee or a prepayment to reduce the landlord's risk.

### Renting without a credit check – is it possible?

When you have a payment remark, traditional credit checks can be a barrier. Some rental companies offer renting without a credit check, but they may require higher security, such as an extra rental guarantee or a prepayment. It's important to compare terms and fees carefully.

### Renting with pets and debts – special considerations

If you have pets and debts, landlords may be extra restrictive. Make sure you have a pet agreement that states your pet is well cared for. Many landlords are more open if you show a stable economy and that you take care of your pet responsibly.

## How to find the right apartment

### Use of digital platforms

There are many digital platforms that specialize in renting apartments to people with debts. Websites like BostadsPortal and Hemnet have filters for "rent with payment remarks" or similar keywords. Use these filters to find relevant listings.

### Networking and local groups

Being in local groups on social media can give you access to apartments not publicly advertised. Hyresgästföreningen and other organizations often have information meetings and can help you find the right apartment.

## Frequently asked questions

### Can I rent an apartment with debts without a credit check?

Yes, it is possible to rent an apartment with debts without a credit check, but it may require a strong rental guarantee or a prepayment. You should compare different offers and read the terms carefully.

### What documents do I need to rent an apartment with debts?

You should have payslips, bank statements, and any payment plan agreements. Additionally, a rental guarantee or a prepayment may be necessary.

### How can I improve my credit score to rent an apartment?

To improve your credit score, start by paying off the most urgent debts, set up automatic payments to avoid late payments, and check your credit report for errors.

### What are the most common obstacles to renting with debts?

The most common obstacles are lack of documentation, low income, and negative payment remarks in the Credit Registration. Being prepared with correct documentation and a stable financial situation can overcome these obstacles.

### Where can I get legal help with renting with debts?

Hyresgästföreningen offers free legal advice for rental issues, including renting with debts. They can help you understand your rights and challenge rejections.

# TABLE

| Document | Purpose |
|----------|---------|
| Payslips | Proof of stable income |
| Bank statements | Shows financial situation |
| Rental guarantee | Reduces landlord's risk |
| Prepayment | Gives landlord security |

# END OF FILE