Thank you for choosing to use Rentr.
We are Rentr Solutions Ltd, and our company number is 15296765. Our registered office is at 727 - 729 High Road, London, United Kingdom, N12 0BP.
Rentr is a service designed to help tenants in the United Kingdom improve their credit scores by reporting rent payments to UK credit bureaus. Additionally, Rentr offers a 'Rent Now, Pay Later' facility, allowing tenants to split up to 50% of a monthly rent payment into instalments. These terms govern the Rent Now, Pay Later product.
Each time you tell us you wish to use Rent Now, Pay Later you will enter into a Rent Now, Pay Later Plan. A Rent Now, Pay Later Plan is a short-term, fixed-sum credit agreement under which Rentr will pay up to 50% of your monthly rent payment directly to your landlord or property manager and then allow you to repay Rentr over a maximum of four instalments, all of which must be repaid before the next rental due date. Due dates for each instalment are set out in the Rent Now, Pay Later Plan and can be viewed in your Rentr account dashboard.
Rentr doesn't charge interest or fees for entering into a Rent Now, Pay Later Plan, but late fees do apply if you fail to pay an instalment on time (see clause 13 below).
Rentr is not regulated by the Financial Conduct Authority (FCA).
These Rent Now, Pay Later terms and conditions (the terms) apply to you when you sign up to use a Rentr account (an account).
Rentr is available to UK residents (excluding Channel Islands) aged 18+. Our full eligibility criteria is set out in clause 3.
Note that there are a few other Rentr terms and conditions you should know about when using our services. Together these documents form a legal agreement between you and us and we will collectively call them the agreement throughout these terms. They are:
You'll need to accept and agree to the current version of the agreement when you want to use Rentr's services. If there is something you don't understand in the agreement, please get in touch. If there is something you don't agree with, unfortunately we won't be able to provide you with Rentr's services.
You can find out more information about how we can change these terms in clause 20 below. We may update our terms from time to time so please check-in regularly.
You should make sure that you use Rentr's services responsibly.
Using us to pay for your rent in instalments is a form of interest-free unregulated credit that is not subject to the Consumer Credit Act 1974. It's important that you pay us on time otherwise you may incur a late payment or default fee. We may charge a £10 late fee for each late instalment. Missed payments may affect your ability to use us in the future and we may pass unpaid debt to our debt collection agency. You can read more about this at clauses 13 and 14 below.
If you want more information on our services or can't find what you are looking for in the agreement, please get in contact with us.
To use Rentr's credit reporting and Rent Now, Pay Later products, you must register with us for an account. You can do so by visiting our website.
To register for an account and be eligible to use our services, you must:
We work with Plaid Financial Ltd (Plaid) to facilitate your payment of rent. Plaid will require access to your bank account data using open banking to check your eligibility and initiate transactions on your behalf to facilitate payment of rent. To do this, you will need to sign up and agree to separate terms and conditions with Plaid.
We'll ask you for information about you to check your identity and to meet our legal and regulatory requirements. We'll only register your account when we have approved the information. To find out how we use your personal information, please see our privacy policy.
Once we've set up your account, you'll need to choose a payment method for the instalment payments (e.g., credit or debit or other payment card or method accepted by us such as Apple Pay).
Keep in mind that our services are for your personal non-business use only, and you can only open one account. If we've closed your account in the past, you'll be prevented from creating a new one.
There are certain things you must do when having an account with us. For example, you must:
Also, there are certain things that you must not do when having an account with us. For example:
You can ask us to close or pause your account at any time via the website. To do so you'll need to pay us all amounts you owe us (including late fees) immediately. We'll also need to make sure that all complaints or refunds owed to you have been sorted.
Closing your account permanently removes access to your profile and your account information via our website. This means that you will no longer be able to make any new rent payments through Rentr or make changes to your account. You may still be able to view your account details and obtain your transaction history by contacting us. Rentr will retain your information in accordance with our Privacy Policy (available on the Rentr website) and any applicable law, rule or regulation. You may not close your account to evade an investigation.
You may pause your account which means you won't be able to use your account to enter into a Rent Now, Pay Later Plan but you will still have access to your profile and your account information via our website. You can re-activate your account at any time via our website.
Once we've created your account, we'll ask you to to set up a username and secure password. You'll need these details to get into your account. You need to keep these details and your account safe and secure You must not share your security details with anyone. You must be careful if writing your security details down, so that no one else can see or access your security details. You should also log out of your account on your electronic device when you have finished using your account.
You must contact us immediately if you notice someone has accessed or used your account without authorisation.
We are not responsible for any unauthorised use or access of your account unless we have failed to take reasonable steps to prevent such unauthorised use or access.
We'll try our best to make sure that our services and your account are available and accessible at a reasonable speed, however we can't promise that this will always be the case, or our services will always be free from problems. If there are problems with our services or your account, we'll work to solve any problems as soon as possible. We're not responsible for your losses if our services or your account are unavailable or inaccessible.
We may suspend or close your account if we have good reason to do so, such as:
We'll use reasonable efforts to provide written notice to you before closing your account except where notifying you would be unlawful or reduce our security measures. Where we close your account, you'll need to pay us all amounts you owe us (including late fees) immediately.
Where your account has been closed for any reason, your and our obligations under these terms will continue until all money you owe to Rentr has been repaid, and all complaints are sorted. Closing your account will not end any other agreements you have with us, unless the terms of those agreements say otherwise.
When you're setting up your account, you can choose a payment method. You can also change your payment method or add other payment methods at any time through your account.
Under our Rent Now, Pay Later model you will still owe the full Monthly Rent to your landlord. On each rent-due date you pay Rentr an up-front share of that rent (the "Non-Funded Amount") using the payment method saved in your account. On the same day Rentr pays the full Monthly Rent to your landlord on your behalf. The remaining balance of that rent (the "Deferred Amount") is then repaid to Rentr in the instalments shown in your Plan schedule. Because your tenancy agreement states that rent is due to the landlord on a recurring basis and the landlord has appointed Rentr to receive that rent on its behalf, your payment of the Non-Funded Amount to Rentr is treated in law as payment direct to the landlord. This structure relies on guidance issued by the Financial Conduct Authority for bill-payment services and means your rent is always recorded as paid on time.
Whenever you enter into a Rent Now, Pay Later Plan, Rentr will clearly set out the amount you have borrowed from us and your repayments to us in instalments by a specific date (two (2) days before next month's rent is due). You must make all payments on time under the payment schedule to the Rent Now, Pay Later Plan. We may allow the repayment date to be extended subject to certain conditions as set out in your account portal or as agreed with our customer service team on an individual basis. Where we agree to this, we will update the relevant repayment date in your dashboard on your account.
You need to make sure that you have enough money in your bank account to make each instalment payment.
If an automatic payment fails, for example, because your debit or credit card has expired, we may take payment from another payment method listed on your account. We may make multiple attempts on each payment method listed on your account at any time. We may also take any other legal action. If our attempts to take payment fail we may suspend your account.
Yes. Your obligation to pay Rentr remains independent of any dispute with your landlord, property manager, or third party. You may not withhold, delay, or offset payments to Rentr for any reason and Rentr is not responsible for resolving such disputes.
Failure to pay on time may result in late fees, negative credit reporting, service suspension, or other remedies under these terms.
Yes. You can repay Rentr early in part or full at any time through your account on our website.
Yes. We charge a late fee of £10. if you do not pay in time. Late fees are payable in full immediately.
We won't apply a late fee until the date after the day that payment is due. You authorise us to deduct payment from your payment method for any late fees when they are due.
We might delay a late fee or decide not to charge it. If we do not enforce our rights against you for late fees, this will not stop us enforcing those rights at a later date. If you think late fees have been charged in error, please let us know.
If you're finding it difficult to pay Rentr, please see clause 15 below.
We'll contact you to let you know as soon as we can if you have missed a payment. We'll then propose options for how payment can be made. We will work with you to agree a repayment plan for the 'Rent Now, Pay Later' service and any late fees.
If we are unable to collect any amounts you owe us, we may use a debt collection agency to recover amounts owing under 'Rent Now, Pay Later'.
If you are not able to pay us on time, please contact us as soon as possible so we can help you.
You have a right to cancel a Rent Now Pay Later plan at any time. You can cancel it by contacting us and repaying the full amount owing at once to us.
If you have any questions, concerns or complaints about us, your payment, or any Rentr services, please contact our customer services team as soon as possible. We take all complaints seriously and we will try to put things right. We may ask you to help us sort your complaint by requesting additional information and assistance.
If you have any questions, concerns, or complaints about your rent payment to your landlord/property manager, or if you want to request a refund of rent from a landlord/property manager due to dissatisfaction, defect or non-delivery of goods or services, please contact the landlord/property manager directly. The landlord/property manager will explain to you your rights and the process to be followed.
We may, at our discretion, try and help you and the landlord/property manager to fix problems you have but please note this does not change your obligation to make payments to us under the 'Rent Now, Pay Later' service, except as allowed in these terms.
You can contact us by using the form on the Contact Us section of our website.
We'll communicate with you in English and in electronic form by posting our communications on the secure customer area of our website and by email, post, and other electronic methods (e.g., SMS) using the contact details listed in your account. We may offer the use of AI to automatically translate some wording to help you understand how to use Rentr, although we do not take responsibility for the accuracy of this translation.
Please keep your contact details accurate and up to date and let us know immediately if any information changes. You can update your contact details on our website or by contacting us.
All the intellectual property (including copyright, trademarks etc.) in our services, including our logos and the content on our website, belongs to us. You can't use our intellectual property without our permission, except for using our services.
Whenever we provide you with a Rent Now, Pay Later Plan, you'll need to agree to the applicable terms and conditions at that time (which might differ from what you agreed to before).
The terms and conditions in effect when you enter a specific Rent Now, Pay Later Plan will apply to that plan for the duration of that plan. After we approve each plan, we'll email you the terms you agreed to. We'll never change those terms unless we agree with you first or if we're required by law, rule, or regulations. You can always find the latest version of our terms and conditions on our website.
When you enter into a Rent Now, Pay Later Plan, we provide you with a fixed-sum loan, which is paid directly to your landlord or property manager as rent. The landlord or property manager is the provider of the rental property and is responsible for the terms and conditions of your tenancy agreement. You should review their terms carefully before entering into a tenancy agreement.
Rentr has no control over the property, its condition, or any services provided by the landlord or property manager, nor are we responsible for their conduct.
If we break this agreement, we'll only be liable for losses we could have foreseen when we made the agreement and only up to the amount we have lent under the Rent Now, Pay Later Plan. This agreement doesn't affect your consumer rights or limits or excludes our liability for death or personal injury resulting from our negligence, for fraud or fraudulent misrepresentation or any other losses which cannot be limited or excluded under law.
Only you and we have rights and obligations under this agreement. If you break this agreement and we do not enforce our rights against you, this will not stop us from enforcing those rights or other rights at a later date.
You cannot transfer any rights you have to anyone else.
We can transfer our rights and obligations to our group companies and third parties. We will let you know about this unless your Rent Now, Pay Later Plan will not be affected. Your legal rights will not be affected by the transfer.
If your address is in England and Wales, the laws of England and Wales apply and any dispute about these terms will be dealt with by the courts of England and Wales.
If your address is in Scotland, the laws of Scotland apply and any dispute about these terms will be dealt with by the courts of Scotland.
If your address is in Northern Ireland, the laws of Northern Ireland apply and any dispute about these terms will be dealt with by the courts of Northern Ireland.
Last updated: May 2025
Version 1.1 – Effective 06 May 2025
1.1 "Agreement" means the contract between Rentr and the Customer for the provision of the Services, which incorporates these Terms and Conditions.
1.2 "Terms and Conditions" (or "Terms") means this document, including any documents referred to herein (such as our Privacy Policy).
1.3 "Rentr", "we", or "us" means Rentr Solutions Ltd, a company registered in England and Wales with company number 12345678 and registered office at 727–729 High Road, London, United Kingdom, N12 0BP.
1.4 "Customer" or "you" means the individual tenant who applies for and uses the Rentr rent reporting membership Service.
1.5 "Service" (or "Membership") means Rentr's rent‑reporting membership service that verifies your Rent payments and reports them to one or more Credit Reference Agencies (CRAs).
1.6 RNPL Product: Your Membership may allow you to apply for our optional "Rent Now, Pay Later" product, which is governed by separate terms and is not detailed in this Agreement.
1.7 "Credit Reference Agency" or "CRA" means an independent credit reference agency (such as Experian, Equifax, TransUnion, or any other such agency to which Rentr reports Rent payment data).
1.8 "Credit Report" means an individual's credit file or report held by a CRA (which may include Rent payment information reported through the Service).
1.9 "Order" means the Customer's application or request to subscribe to the Service, typically made through the sign‑up process on Rentr's website or app and agreeing to these Terms.
1.10 "Open Banking Data" means information about the Customer's designated payment account(s) obtained via an authorised Account Information Service Provider (AISP) with the Customer's consent, used for verifying Rent payments.
1.11 "Plaid" means the third‑party open‑banking platform Rentr uses (Plaid Financial Ltd, Firm Reference Number 804718) to access the Customer's Open Banking Data, with their authorisation, for the purposes of verifying Rent payments.
1.12 "Data Protection Legislation" means all applicable data protection and privacy laws in force from time to time in the UK, including the UK GDPR and the Data Protection Act 2018, as amended, and any successor legislation.
1.13 "Privacy Policy" means Rentr's privacy policy, which explains how Rentr uses and protects personal data. The Privacy Policy is available on our website and is incorporated by reference into these Terms.
1.14 In these Terms, "including" means "including without limitation", and references to any statute or regulation include any amendments or successor legislation.
2.1 The Order constitutes an offer by the Customer to purchase the Service in accordance with these Terms.
2.2 The Order shall be deemed accepted, and the Agreement shall come into existence, when we confirm that we have successfully completed our verification checks and issue a confirmation email to you ("Commencement Date").
2.3 The Agreement constitutes the entire agreement between the parties. You acknowledge that you have not relied on any statement, promise or representation made or given by or on behalf of Rentr that is not set out in the Agreement.
2.4 Any descriptions or illustrations contained in our advertising, website or brochures are issued for the sole purpose of giving an approximate idea of the Service. They shall not form part of the Agreement or have any contractual force.
2.5 These Terms apply to the Agreement to the exclusion of any other terms that you seek to impose or incorporate, or which are implied by trade, custom, practice or course of dealing.
2.6 You must be at least 18 years old to purchase the Service.
2.7 Regulatory Status: The Service involves reporting factual rent‑payment data only and therefore constitutes an unregulated credit‑information service under article 36H of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001. Accordingly, Rentr is not required to be authorised by the Financial Conduct Authority for the provision of this Service.
3.1 Authorising Plaid: During sign‑up you will be redirected to Plaid to authorise Rentr to access your Open Banking Data for the purpose of verifying your Rent payments. Plaid is authorised by the FCA as an Account Information Service Provider (Firm Reference Number 804718). You may need to re‑authorise Plaid every 90 days or when your bank login details change.
3.2 Once your Rent payment is verified, we will report it to the relevant CRA(s) once per month. We use reasonable endeavours to ensure that all reports accurately reflect the Rent payments we have verified.
3.3 If you terminate the Service while your Rent is in arrears, we may report the arrears status to the CRA(s) previously receiving your rent data. Resolving any Rent arrears with your Landlord remains your responsibility.
3.4 You can request a validated Rent Statement (covering letter plus at least three months' verified payments) for a fee of £10 (including VAT).
3.5 Rentr does not operate a rent‑collection or rent‑guarantee service and does not chase Rent arrears on behalf of your Landlord. We do not guarantee payment of Rent or notify your Landlord of non‑payment.
3.6 Without an active, consented bank connection there is no Rent‑payment data for us to report. If the connection remains inactive for more than 30 days, we reserve the right to suspend reporting until you re‑connect your bank.
3.7 We do not verify or report Rent payments made before your Commencement Date ("past payments").
3.8 Rent‑payment data can have a positive, negative or neutral impact on your credit score. Missed or late Rent payments may adversely affect your credit rating.
4.1 You must: (a) ensure the information provided in your Order is complete and accurate (including Rent amount, due date and frequency); (b) co‑operate with us in all matters relating to the Service; (c) promptly provide any information we reasonably require; and (d) pay the Fees in accordance with clause 5.
4.2 If our performance of the Service is prevented or delayed by your act or omission ("Customer Default"), we may suspend the Service until you remedy the Customer Default, and we will not be liable for any resultant costs or losses.
5.1 Membership Fee: The Service is provided for a monthly fee of £15, payable in advance by debit or credit card.
5.2 Your first £15 payment is taken on sign‑up. Subsequent payments are taken monthly on or around the same calendar day.
5.3 If any payment is declined or returned unpaid, we may retry collection. If payment remains unpaid, we may suspend the Service and charge interest on overdue amounts at 3 % per annum above the Bank of England base rate.
5.4 If you change your payment card, you must update your payment details in your account.
5.5 If your card expires, you must update your payment details in your account.
5.6 We will give at least one month's notice of any change to the Membership Fee, during which you may cancel per clause 9.
5.7 No Refunds (Outside Cooling‑Off): Except as expressly stated otherwise in these Terms, membership fees are non‑refundable except where required by your statutory rights (for example, if the Service is not provided with reasonable care and skill). See clause 7 for details on cancellation rights and refunds.
5.8 Administrative Fee for Arrears Cases: If you terminate your Membership while your Rent payments are in arrears, and we are required to engage in manual case handling and liaison with Credit Reference Agencies, you agree we may charge you our reasonable administrative costs, capped at £50, to cover that work. We will provide a cost breakdown on request.
5.9 We do not anticipate frequent changes to fees. If we do, we will provide one month's notice, during which you can cancel under clause 9.
6.1 We reserve the right to verify your identity, tenancy details, and property ownership via third‑party services (including Land Registry data) before accepting your Order.
6.2 We may contact your Landlord to confirm tenancy details. By completing the Order you authorise us to do so.
6.3 If verification checks cannot be completed satisfactorily, we may decline your Order.
7.1 14‑Day Cooling‑Off Period: If you are a consumer, you have 14 days from the Commencement Date to cancel without giving a reason.
7.2 How to Cancel Within 14 Days: Email support@userentr.com with your cancellation request. We will acknowledge receipt without undue delay.
7.3 Refund upon Cancellation: If you cancel within the 14‑day cooling‑off period we will refund any membership fees you have paid, less either (a) a pro‑rata amount that fairly reflects the value of the Service already supplied up to cancellation, or (b) a single administration charge of no more than £8 – whichever is lower. We will make the refund without undue delay and at the latest within 14 days of your cancellation, using the same payment method you used for the initial transaction.
7.4 Commencement of Service During Cooling‑Off: By signing up you request that we start supplying the Service immediately. If you later cancel within 14 days, clause 7.3 will apply.
7.5 Charges if Service Started: If we have already begun to supply the Service at your express request during the cooling‑off period, any refund will be calculated in accordance with clause 7.3.
7.6 Effect of Cancellation: Cancelling within the cooling‑off period ends your Membership. You may re‑apply in the future (subject to our acceptance).
7.7 Cancellation after 14 Days: After the cooling‑off period you may cancel on 30 days' notice per clause 9.
7.8 Statutory Rights: This cancellation policy is in addition to your statutory rights.
8.1 All intellectual property rights in the Service are owned by or licensed to Rentr.
8.2 We grant you a limited, non‑exclusive, revocable licence to use the Service for personal, non‑commercial purposes.
9.1 Your Right to Terminate: After the 14‑day cooling‑off period you may terminate your Membership on 30 days' notice (one full billing cycle) by emailing support@userentr.com; unless we confirm an earlier termination, please assume 30 days.
9.2 Our Right to Terminate: We may terminate the Agreement on 30 days' notice, or immediately if you materially breach these Terms, become insolvent, or we discontinue the Service.
9.3 Effect of Termination: When either you or we terminate the Agreement: (a) We will stop providing the Service from the effective date of termination; (b) We will cease reporting your Rent payments to CRAs; (c) Clauses intended to survive termination (including 11 and 12) will continue in force.
10.1 Termination does not affect any accrued rights or obligations.
10.2 You remain responsible for any outstanding Rent owed to your Landlord.
11.1 Nothing in these Terms limits or excludes liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be limited or excluded by law.
11.2 Subject to clause 11.1, Rentr shall not be liable for: (a) loss of profit, business or opportunity; (b) indirect, consequential or special losses; or (c) loss or damage not reasonably foreseeable at the time of contract.
11.3 The Service is for personal credit‑building purposes only. We have no liability for any business losses.
11.4 Total Liability Cap: Subject to clause 11.1 and clause 11.5A below, if we are found liable to you for any cause, our total liability will not exceed an amount equal to the Fees you paid to us in the 12 months immediately preceding the claim.
11.5 We do not guarantee any particular credit‑score outcome.
11.5A Personal‑Data Breaches: Nothing in these Terms limits or excludes our liability for (i) any proven loss you suffer that is caused by our breach of UK GDPR or the Data Protection Act 2018 resulting in an unauthorised disclosure or loss of your personal data, or (ii) any other liability that cannot lawfully be limited or excluded.
12.1 You agree to indemnify us only for direct losses and reasonable costs that we suffer solely as a result of (a) your fraudulent use of the Service, or (b) your wilful and material breach of these Terms. This indemnity does not extend to indirect or consequential losses.
12.2 We will notify you promptly of any claim that gives rise to an indemnity obligation and will allow you to participate, at your own expense, in the defence and settlement of the claim.
12.3 Nothing in this clause 12 affects your statutory rights as a consumer.
13.1 Your use of our website is governed by our Website Terms of Use.
13.2 You must keep your account credentials confidential. We may disable your account if we suspect misuse.
13.3 Security: You must not share your account credentials with anyone. We are not responsible for losses arising from your failure to adequately safeguard your account information.
14.1 Force Majeure: We are not liable for any failure or delay caused by events beyond our reasonable control.
14.2 Assignment: We may transfer our rights and obligations under the Agreement. You may not do so without our consent.
14.3 Notices: Formal notices must be sent by email to support@userentr.com or by post to our registered office (clause 1.3). Notices to you will be sent to the email address on your account.
14.4 Statutory Rights: Nothing in these Terms affects your consumer statutory rights.
14.5 Severance: If any provision is found invalid, the remainder shall continue in force.
14.6 Governing Law: These Terms are governed by English law, and the courts of England and Wales have exclusive jurisdiction.
Email: support@userentr.com (for all customer support, cancellations and complaints)
Postal Address: Rentr Solutions Ltd, 727–729 High Road, London, N12 0BP, United Kingdom.
Last updated: May 2025