Meet Piñata:
Pay rent.
Get rewards.
Build credit.
For every rent payment, Piñata builds your credit score and rewards you every step of the way.
We report your rent payments to all three major credit bureaus so
you get maximum impact.
The reward and credit building program for renters.
Build Credit
You can build your credit score by 150+ points*
Rent Reporting
Piñata reports your 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 build your credit profile.
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.
Don’t take our
word for it
I’ve been using Piñata and my credit has increased by over 60 points, just for paying my rent on-time. Who knew?
Kaleigh, Nevada
I love Piñata because it automatically reports my rent payments to the credit bureaus. And who doesn’t want that?
Shardanay, Texas
I’ve been using Piñata for 3 years. Not only do you get monthly credit reporting, you also get rewards for doing so! They’re the best.
Nate, California
Piñata essentially rewards you for paying rent, period. And that includes credit building to build your financial resiliency.
Tamar T, Florida
I like to use my points to choose rewards like my new Amazon gift card! And I get to watch my credit score improve.
Erica, Arizona
So, how does this all add up?
Onlyper month
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.
Reward 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$1,000+ 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$2,000 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
Our annual membership ensures we can build your credit in a consistent and positive way.
The buzz is big
Expanding a program like Piñata’s for people who already have bad, thin, or no credit would actually help people build better credit and make their lives as renters better in the future.
Why is a good credit score so important?
Home Mortgages
A good credit score can help you secure lower interest rates and better terms on home mortgages, potentially saving you thousands of dollars over the life of the loan.
Better Car Leases
With a good credit score, you're more likely to qualify for favorable terms and lower interest rates on car leases, making your monthly payments more affordable.
Financial Security
A strong credit score reflects responsible financial behavior, which can lead to better opportunities for loans and credit cards. This provides a safety net for unexpected expenses and emergencies.
Lower Interest Rates
Whether it's for a personal loan, or other financial products, a good credit score often means lower interest rates. This translates to lower costs when borrowing money.
BTW: You don't have to go into debt to build your credit profile.
Traditionally, you had to take a risk to borrow money and pay back on-time in order to show you are responsible… But what about just paying your rent on-time? Now that sounds like a safer bet! Get the credit you deserve with Piñata.
Love Where You Live Rewards!
Curated rewards & brand name gift cards
Every month you get points to redeem rewards. Piñata curates products and services under the mantra “Happy Home. Happy Life!” — ranging from simple home delights to fabulous items worth saving for.
Weekly game-changing giveaways
From a full home entertainment makeover, to a month of free rent, to the latest Apple iWatch.... $1000s in giveaway value every week.
Save on everyday expenses!
Piñata curates deals that matter most to renters, across categories like home improvement, wellness, pets, kids, food and beverage...you name it, we’re on it!
Ready to build your credit score and get rewarded?
What do I get with a Piñata membership?
Your membership gives you Piñata Points on rent day, access to game changing giveaways, 3 bureau rent reporting, and thousands of deals!
Does my landlord need to be a Piñata member?
Nope, any renter, no matter the landlord, is able to create an account with us.
Can I pay rent with Piñata?
We have a rent payment option, you can create a Piñata Pay checking account and pay rent with Piñata. You can also pay with your existing bank account.
Is Piñata secure?
Piñata is SSL certified, so your information is always secure. We also 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.
What is back-reporting?
Piñata includes free back-reporting up to 24 months with your membership. Back reporting means that we will work with the major credit bureaus to include your past rent payment history on your credit report. This can help build your credit score by demonstrating a positive payment history, potentially improving your overall creditworthiness.
Why do I have to pay for the membership annually?
With an annual membership, Pinata can report your on time rent payments every month for a year, so your credit profile displays positive actions over a longer period of time.
Why is Piñata better than other rent reporting services on the market?
Piñata reports your rent payments to all three major credit bureaus: TransUnion, Experian and Equifax. You can also track your progress by viewing your credit score directly with Piñata. Additionally, we’re the only rent reporting company that provides you with a comprehensive suite of rewards, giveaways and deals - just for paying your rent on time.
Does rent reporting open a new tradeline on my credit profile?
Yes! Rent reporting adds your rent payment information to your credit report, enhancing your credit history and score. This can be especially beneficial if you have limited credit history or are looking to establish or improve your creditworthiness.
What are Piñata Points?
You earn Piñata Points every time you pay your rent on time. These points can be used to redeem curated rewards for you ands your home. You can also use your points to enter weekly big ticket giveaways (up to $1000 in value)!