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How it works

Your rental application is four short sections, and you can finish it in one sitting or come back to it.

New York property owners want to know who you are, what you earn, where you live now and who is moving in with you. Nooklyn asks for exactly that — one question at a time, in your browser, with every answer saved as you go.




Who you are

Your legal name, your date of birth and where you hold residency. If you are a US resident we ask for a social security number; if you are not, we do not.

What you earn

Your gross annual income and where it comes from — an employer, a school, freelance work, a subsidy, or several of those at once.

Where you live now

Your current address, how long you have been there, what you pay each month, and how a property owner can reach your current landlord.

Who is moving in

Any pets coming with you, and whether one of them is a service or emotional support animal. Guarantors skip this section entirely.



Proving it

Connect your bank and most of the paperwork disappears.

Everything a property owner asks you to prove can be confirmed straight from your bank instead. Whichever way you choose, you can change your mind before you submit.



Instant, through your bank

Link the account your pay lands in and your identity and your income are both verified in a few seconds. Nooklyn never sees your banking credentials, and nothing is moved or charged.

Or send the documents

Prefer not to connect an account? Upload a photo ID, recent pay stubs, bank statements, a letter of employment or last year's tax return instead.

Nothing is missed

Anything a property owner needs and you have not sent yet is flagged as you go, so you find out before your application is sitting in a queue.

Missing something today?

Carry on without it. Your agent can send you a link later that opens straight onto the one document still outstanding.



Before you send it

You see the whole application, and your agent sees none of it until you submit.

Close the tab, switch to your phone, come back tomorrow — you pick up on the question you left. The last page lists every section with anything still outstanding, and nothing reaches your agent until you press submit.





Keep in mind that the only charge to apply is a $20 application fee — no rent or deposit up front.

Frequently Asked Questions
The qualifications for renting each apartment vary, as it’s up to each property owner to decide whether to approve or deny an application. Though not a hard and fast rule, many New York property owners use a minimum annual income of 40 times the monthly rent and a 700 credit score for prospective tenants. If you fall below this threshold, consult with your agent – you might still have a chance of qualifying on your own. If not, you may need to consider applying with a guarantor, or using a company that acts as a guarantor on the insurance model.

It’s important to remember that wage income is not the only kind of verifiable income. Freelance earnings, tips, grants or school loans, gifts and various types of subsidies are often considered as well. In the case of housing subsidies, a full subsidy may exempt you from a landlord's credit requirement.

No. Connecting an account is the fastest way to confirm your identity and your income, and it saves you gathering paperwork, but every step that offers it also lets you upload documents instead. If you start down one route and change your mind, you can switch before you submit.

When you do connect an account, the link is handled by Plaid: Nooklyn never receives your banking username or password, and nothing is moved or charged.

No fear! If you’re not able to prove sufficient income for a New York apartment, you may be able to get approval using a guarantor who co-signs your lease. They fill in an application of their own – the same questions about who they are and what they earn, without the sections about your apartment – and you’ll still complete yours alongside it.

Yes. If you decide to rent a different apartment through Nooklyn, or a payment lands on the wrong application, your agent can move your application and the funds Nooklyn is holding to the new or correct one.

Only the application fee: $20 per applicant or guarantor, the maximum allowed by New York law. It covers processing your application, including credit and income checks, and is non-refundable. You don’t pay first month’s rent, a security deposit, or any other move-in cost to apply.

If you’re approved, we’ll tell you which move-in funds are due, how much, and by when before you pay anything else. Nooklyn holds your first month’s rent and security deposit, fully refundable, until the lease is signed by all required tenants and the landlord, then forwards them to your landlord.

The $20 application fee is non-refundable. You don’t pay move-in funds until you’re approved. If you have paid them and the landlord doesn’t approve you, or the lease doesn’t go forward, Nooklyn returns them promptly. Ask your agent to start a refund.

Everyone on the lease, including guarantors, is "jointly and severally liable" for the entire lease. This means everyone can be held responsible for the whole rent – how you choose to split up that financial liability is up to you.

If you don't have a U.S. credit score, or if you don't meet the apartment qualifications and aren't able to apply with a traditional guarantor, consult with your agent. You may still qualify on your own, or you may consider applying with a company that acts as a guarantor on the insurance model. Many property owners accept online lease insurance services as long as you qualify.

The application itself does not assume you are American: the residency question only asks for a social security number once you say you hold US residency.