Meet Piñata:The credit building program for renters that rewards you every step of the way.
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A good credit score is the passport to your financial future!
It’s simple: Good credit is the difference between the life you have and the life you want.
Better Leases
Whether you’re in the market for a new apartment or a new car, a good credit score means lower interest rates and better approval odds so you can choose the things you want in life.
Financial Security
A good credit score means you’ve earned the trust of financial institutions, which equals lower interest rates on loans if you’re ever in a pinch.
Premium Credit Cards
When it comes to financial products, a good credit score can get you set up with a premium credit card with higher credit limits, low interest payments and great rewards.
Home Mortgages
A good credit score can get you lower monthly interest rates potentially saving you thousands of dollars over the life of the loan.
Isn’t it time that your largest monthly expense improved your credit score?
Building credit takes time but it’s worth the effort. Start the journey to long-term financial health when you sign up with Piñata.
What Sets Piñata Apart.
Piñata automatically reports your on-time rent payments to the major credit bureaus as you sit back and watch the rewards pile up.
Build Credit
Increase your credit score with your rent payments!
Rent Reporting
Piñata reports your on-time rent payments to all three major credit bureaus for “maximum impact.”
Free Back Reporting
While other charge upwards of $25, Piñata includes this vital first step to improving your credit score.
Track your progress
Monitor your credit score and gain valuable insights with our dashboard and education hub.
Get Rewards
Unlock awesome rewards and gift cards every month!
Get $100+ Rewards
From day one, you earn points to spend on gift cards and curated products for home, family and life.
Win Epic Giveaways
Enter to win epic prizes like a Samsung Smart TV, a month of free rent or a shopping spree at Target
Save On Expenses
Our deals marketplace gives you more ways to save on everyday items from groceries to automative and everything in between.
The Piñata Membership
The Value
Rent reporting
$60 a year on the market
Rent reporting through Piñata helps you build your credit score by reporting your monthly rent payments to major credit bureaus. This can have a significant impact on your credit history and help you qualify for loans or lower interest rates.
Back reporting
$25 with competitors
Piñata offers back reporting for past rent payments, meaning it can help you boost your credit score even for past payments. This service is invaluable if you’ve been paying rent consistently but haven’t had the chance to build your credit until now.
Rewards points
$100+ in yearly rewards
Earn reward points every time you pay your rent. These points accumulate over time and can be redeemed for various perks and benefits, including gift cards, discounts, and more. The more you pay, the more you earn!
Deals marketplace
$1000+ in yearly savings
Access a marketplace full of exclusive deals and discounts. With Piñata, you can save on everything, thanks to the partnerships with major brands offering significant savings on various products and services.
Weekly giveaways
$2000 given away weekly
Piñata hosts weekly giveaways, giving you the chance to win big! Each week, $2,000 is given away through exciting, engaging contests and prizes. Don’t miss out on your opportunity to win by simply being part of the Piñata community
Building your financial future is serious business.
That’s why you’ll pay a yearly rate instead of a monthly, so that we can build your credit score in a stable, secure way.
Point Breakers!
As seen in:
“I’m already paying rent so why shouldn’t I get the long-term financial benefits?”
What do I get with a membership?
Your membership gives you credit reporting to all 3 major bureaus, points every rent day to spend in our rewards shop and a no-fee checking account, Piñata Pay. You’ll also get access to big ticket giveaways and special offers from our partners to save on everyday expenses!
Is there a free Piñata membership?
We have a free “limited rewards-only” version of Piñata. This gives you a chance to start your Piñata rewards journey! However, this membership misses out on the full Piñata experience, like credit building, premium rewards, giveaways and more. Never fear, you can upgrade from the free membership at any point!
Does my landlord need to be a Piñata member?
Nope! If your landlord is part of Piñata, then you already have an account waiting for you. If your landlord is not part of Piñata, you can create an account on your own anytime!
Do I pay rent with Piñata?
Your Piñata membership gives you access to Piñata Pay, the most rewarding way to pay rent! This no-fee checking account gives you rewards when you save and rewards when you spend. It’s the benefits of a credit card without going into debt! Although you don’t need to use Piñata Pay to pay rent, it’s sort of a no-brainer to use it as your source of payment and get more back for rent!
How does credit building work?
Every month, we report your rent payment to all three major credit bureaus: Experian, TransUnion and Equifax. This ensures that no matter where someone checks your score, they’ll get a score with your rent payments included! The boost people see from this varies, but our renters have seen an average 60 point increase in the 1st year of reporting!
What if I am late with my rent payment? Is it also reported?
Rest assured, we only submit on-time rent payments to the credit bureaus. However, know that your property manager/landlord is always able to directly report missed payments to credit bureaus, regardless of if they’re part of Piñata.
Is Piñata secure?
We encrypt all key personal data and only use trusted partners like Stripe and Plaid, which are used by major banks and other financial institutions. Piñata can never see users’ personal information or access bank account credentials.
