TheGuarantors helps renters get approved for the home of their choice, even when they don't meet traditional screening requirements. Our Lease Guarantee insurance solutions provide property owners and operators with financial protection against renter default, giving them confidence to approve more renters without added risk.Our application is free, 100% online, and takes 90 seconds to complete. Today, our solutions are available in 4M+ rental units nationwide and more than 400,000 families live in homes they may not have been approved for without TheGuarantors.We believe people are more than what's on their application. And that when renters have access to the home of their choice, they can focus on bringing the rest of their aspirations within reach.We believe people are more than what's on their application. And that when renters have access to the home of their choice, they can focus on bringing the rest of their aspirations within reach.
TheGuarantors (theguarantors.com) has 377 customer reviews on Five Star Index, with an average rating of 4.6 out of 5.
Also known as
theguarantors.com
Website
theguarantors.com
Category
Banking & Money
Location
New York, New York
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 6% of reviews.
Latest
Most recent review: October 2026.
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Totalmente decepcionada, a mi nunca me indicaron que el dinero no sería reembolsable, yo fui a buscar un departamento a Rollins Park y me indicaron que no procedía directamente y que me comunicara con The Guarantors. Que mediante ellos podría alquilar mi departamento y seguí todas las indicaciones y realicé el pago como me indicaron y ahora resulta un año después que ese dinero no es reembolsable, me piden disculpas por no explicarme y que obviaron la informarme de la parte más importante que era que no veré ni un dólar de lo que pagué . Siento que me estafaron y que no exista un área de reclamos es totalmente increíble, ya que uno como cliente se siente de manos atadas por no recibir ninguna solución a un caso. Decepción total 👎
JO
Jose
The worse experience the worse experience
The worse experience, I got stolen from ur company over 3k.
Response from TheGuarantorsJun 8, 2026
Hi Jose,
Our Rent Coverage and Deposit Coverage work differently from a traditional security deposit. These products are designed to help renters qualify for apartments they might not otherwise be approved for while also providing protection for the property. The upfront payment is a one-time insurance premium and is not a refundable security deposit.
Once a lease is signed and the renter takes possession of the unit, the coverage becomes active for the full lease term. You can find additional information about how our products work on our FAQ page at theguarantors.com/faq-for-renters.
NA
Natalia
Harassment and a scam
Harassment and a scam. Avoid at all costs.
Response from TheGuarantorsMay 29, 2026
Hi Natalia,
We're sorry to hear you had a negative experience, however we're unable to identify your specific concerns you're referring to based on this feedback alone.
If you have questions about your account, a charge, or our process, we encourage you to reach out to our support team directly so we can look into it and provide clarity. We're happy to help once we understand what the issue is.
DB
Dontrell B.
Do not trust this company
Do not trust this company. They are a predatory corporate machine hiding behind a flashy World Trade Center address, and they actively try to exploit young, vulnerable renters. I was 22, recovering from a severe car crash and a traumatic brain injury, when their claims team tried to manipulate me into a fake $6,840 debt trap through a continuous cycle of documented lies.
In their very first email on January 19, an analyst claimed as a flat fact that TheGuarantors had already paid a claim to my former apartment, Prose Desert River, and immediately used this to aggressively pressure me into signing a $570 a month payment plan contract. When I demanded validation, the analyst completely backtracked on February 18, admitting both over the phone and in writing that they had not actually paid the apartment due to an "incorrect mailing error," proving their first story was a complete fabrication.
I then took the apartment and their collection agency, Genesis Credit Management, to the CFPB for failing to validate the debt. On March 14, the company officially responded to the federal watchdog portal stating that they were no longer pursuing me for the outstanding balance and had submitted a request to delete the associated tradeline.
Yet, on April 2, weeks after the landlord legally closed the case and permanently stopped looking for money, TheGuarantors resurfaced with a third lie. They claimed they suddenly "corrected the mailing address" and completed a $6,840 payment to that exact same closed account. Their team went back and forth lying about payments that never occurred, trying to trick me into a legally binding contract for an unvalidated, non-existent debt pipeline.
When I stood my ground, provided the CFPB dashboard proof, and demanded a copy of a canceled check or wire receipt, their team went completely silent. It has been months and they haven't muttered a word since because they know they were caught red-handed in a fraudulent bluff. They thought I would roll over because of my situation, but they picked the wrong person. Do not let TheGuarantors bully you into paying for claims they never paid out.
My response to them
Your response characterizes this situation as an 'administrative delay,' but your own documentation proves a pattern of fraudulent activity. You have repeatedly claimed to have paid my landlord, only to backtrack each time I demanded proof:
January 19, 2026: You explicitly stated you had paid the claim, and immediately sent me payment links and pressured me into a monthly payment plan of $570 to 'repay' a debt you later admitted you had not yet paid.
February 18, 2026: You again insisted that you had made the payment and demanded repayment, only to backtrack on that same day, admitting you had not actually paid the claim due to an 'incorrect mailing address'.
April 2, 2026: You once again claimed to have corrected the mailing address and 'completed the claim payment' of $6,840, months after the landlord had already closed the file and stopped pursuing the debt.
To this day, you have failed to provide a single piece of proof—such as a canceled check or a bank-stamped wire receipt—to substantiate any of these three claims of payment. You were actively soliciting monthly payments from me for a loss that never occurred in your bank account, which is fraudulent.
Furthermore, your claim that this is a valid debt is invalidated by your own inaction. In the nearly two months since your April 2nd email, you have not attempted to contact me, sent me to collections, or followed up in any capacity. If you had truly lost $6,840, you would not be silent for months. Your silence confirms that your claims are fabricated and that this was merely an attempt to hustle me into paying for a non-existent debt. If you truly paid this debt, provide the receipt immediately."
Response from TheGuarantorsMay 27, 2026
Hi Dontrell,
We hear your frustration, but we respectfully disagree with the characterization of our team as acting fraudulently or dishonestly. That said, we do acknowledge there was confusion during the claim-payment process caused by delays related to claim delivery and processing timelines.
To clarify generally, once a claim is approved under Rent Coverage or Deposit Coverage, responsibility for collecting the covered balance shifts from the landlord to TheGuarantors. As a result, a property may stop pursuing collection directly from the resident while reimbursement is handled through our process.
In this case, there were delays in delivering the check to your landlord, which we understand contributed to confusion regarding the status of the account. However, the claim was ultimately paid out to the landlord, and the reimbursement obligation remained in effect under the signed agreement. Our Lease Guarantee functions as an insurance policy, with landlords as beneficiaries, that you purchase to qualify to rent a home you may not otherwise qualify for. If you fail to pay your monthly rent, the policy will reimburse the landlord, but you are still liable to TheGuarantors for those payments.
We also want to clarify that we do not charge interest or additional fees beyond the covered balance itself, and our team routinely offers interest-free payment plans intended to help residents resolve balances over time.
KV
Karla V.
They approved a policy then got an…
They approved a policy then got an email from Frank the senior director telling his team not to approve because they no longer cover deposit over 1 months rent. But what’s the point of them charging client 1 months rent as deposit if client will need to pay for any damages on top of the already fee. Might as well charge client the normal deposit then
Response from TheGuarantorsApr 24, 2026
Hi Karla,
We’re sorry to hear about your experience and appreciate you sharing this feedback.
To clarify, we do still offer more than one month of total protection through our Lease Guarantee product, which includes both Rent Coverage and Deposit Coverage. The Deposit Coverage portion is capped at 1 month’s rent, which aligns with standard security deposit practices, while Rent Coverage can extend beyond that.
Deposit Coverage is intended to replace a traditional cash deposit with a smaller, non-refundable premium. Renters remain responsible for any move-out costs, just as they would with a standard deposit, while the coverage ensures landlords are protected up to the agreed amount.
We understand this structure may not meet every need, especially when higher deposit-specific coverage is preferred, and we’re always happy to work together within these guidelines.
AG
Antonio G.
Scam Alert
Well, I pretty much have the same complaint as everyone else. I sent them $1,035, and decided to go with another realtor. They haven't sent me ANYTHING back. And they're a complete 'Automated system', so you don't even talk to a real person. They emailed me once saying they had to reach out to the 'Landlord', and it's been over a month. This company is a complete SCAM. Please spread the word about these con-artists.
SL
Shawna L.D. T.
Don’t trust this company
Don’t trust this company. They refuse to refund me back my money and I never moved into the unit. Didn’t even sign the lease. It was canceled and asked to reapply! Plus full refund!!! Now they are refusing to give me back my money… I got the emails! They put the money in my account then took it out 24 hours later. With no reason on why…
JB
Joe B.
Had to break a lease due to a horrible…
Had to break a lease due to a horrible landlord. 4 months in to a 16 month coverage period - can't get a single $ back from the guarantors even though they're no longer under any financial liability - it's a JOKE and a RIP OFF