No Credit Minimum · No Credit History Required · Near Fort Hood · Killeen, TX

No credit check apartments for rent in Killeen TX

The Atrium Apartments at 405 Root Ave, Killeen TX 76541 has no minimum credit score. Thin credit, no credit history, and low scores are reviewed individually — income is the primary qualifying factor. Renovated 1BR (553 sq ft) at $770/mo — first month free, BAH and housing vouchers accepted.

(254) 415-7480

Quick answers

What apartments in Killeen TX have no credit check?

The Atrium Apartments at 405 Root Ave, Killeen TX 76541 has no minimum credit score requirement. Credit history is reviewed individually. The primary qualifier is verifiable income of 2.5x monthly rent — approximately $1,925/month for the $770/month 1BR unit. 1BR units are available now with the first month free.

Can I rent with no credit history in Killeen TX?

Yes. No credit history, thin credit, or a low score does not automatically disqualify you. MCG Homestead evaluates income as the primary factor. BAH counts as income for military applicants — a current LES satisfies the income requirement without civilian pay stubs or a credit history.

What is the income requirement for apartments with no credit check in Killeen?

2.5x monthly rent. For the 1BR at $770/month, that is approximately $1,925/month in verifiable gross income. For the 2BR at $875/month, approximately $2,188/month. Accepted proof: pay stubs, bank statements, employer letters, a military LES, or a BAH award letter.

How is no credit check leasing different from second-chance leasing?

No credit check means there is no minimum score — you qualify based on income even with zero credit history. Second-chance leasing means applicants with a prior eviction or broken lease are reviewed individually rather than automatically rejected. The Atrium offers both through MCG Homestead.

Who qualifies

No credit score required — income is what matters

Credit scores are not the only way to demonstrate ability to pay rent. At The Atrium, income verification is the primary qualifying factor. These situations are all welcome to apply.

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Thin or no credit history

First-time renters, recent graduates, and young adults who have never needed credit — reviewed on income, not score.

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Junior enlisted & new military

Active-duty soldiers who receive BAH but have limited credit history. BAH accepted as income. No credit minimum.

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Low or recovering credit scores

A low score from past hardship does not automatically disqualify you. Current income stability matters more.

How qualification works

What MCG Homestead looks at instead of credit score

1

Verifiable income

2.5x the monthly rent in current income from the last 30 days. Pay stubs, bank statements, a military LES, a BAH award letter, or employer letters all count.

2

Employment or income stability

Consistent employment, active military status, or an active housing voucher shows current ability to pay. Length of current employment helps.

3

Photo ID

Valid government-issued photo ID required for all applicants 18 and older. Military ID, driver's license, or passport accepted.

4

Call before you apply

Not sure if your situation qualifies? Call (254) 415-7480 before paying the $55 application fee. We give straight answers.

1 Bedroom / 1 Bathroom · 553 sq ft
$770 / mo
Available Now · First month free
2 Bedrooms / 1 Bathroom · 675 sq ft
$875 / mo
Waitlist — none available now
  • Unfurnished — bring your own furniture
  • Stainless refrigerator, stove & microwave
  • In-unit washer/dryer included
  • Quartz countertops
  • Hardwood-style flooring
  • Pets welcome (cats & dogs)

Application fee: $55 per adult + $75 one-time admin fee. Contact us before applying to confirm your situation qualifies — we will be direct about eligibility before you pay.

Rental criteria

Full requirements — no credit minimum

Category Requirement
Income 2.5x monthly rent. ~$1,925/mo for the 1BR, ~$2,188/mo for the 2BR. Pay stubs, LES, bank statements, or BAH award letter from the last 30 days.
Credit No minimum credit score. Thin credit, no credit, and low scores all reviewed individually. Income is the primary qualifying factor.
Rental history Prior evictions and broken leases reviewed individually under the second-chance leasing program. Not an automatic rejection. Call to discuss.
Application $55 per adult + $75 one-time admin fee. Non-refundable. Deposit and lease due within 48 hours of approval.
Vouchers Section 8 / HCV and HUD-VASH accepted. Income calculated on tenant portion of rent. Voucher details.

Common questions

FAQ: No credit check apartments in Killeen TX

What Killeen TX apartments have no credit check? ▾
The Atrium Apartments at 405 Root Ave, Killeen TX 76541 has no minimum credit score requirement. Credit history is reviewed individually. Renovated 1-bedroom units are available now starting at $770/month with the first month free. BAH and housing vouchers accepted.
Can I rent with no credit score in Killeen TX? ▾
Yes. No credit score or a thin credit file does not disqualify you at The Atrium. MCG Homestead evaluates income as the primary factor. If you can demonstrate ~$1,925/month in income for the 1BR unit, you can qualify without a credit history.
Does BAH count as income for no credit check apartments near Fort Hood? ▾
Yes. Basic Allowance for Housing (BAH) is accepted as verifiable income. A current LES or BAH award letter satisfies the 2.5x income requirement. Junior enlisted soldiers near Fort Hood often have thin credit histories — BAH as income makes The Atrium accessible without needing established credit.
What is the difference between no credit check and second-chance leasing? ▾
No credit check means there is no minimum score required — you can qualify with thin credit, no credit, or a low score as long as income is sufficient. Second-chance leasing means applicants with a prior eviction, broken lease, or difficult rental history get an individual review rather than automatic rejection. The Atrium offers both through MCG Homestead.
Can I use a housing voucher with no credit at The Atrium? ▾
Yes. Section 8 / HCV and HUD-VASH vouchers are accepted. Voucher holders with no credit history or a low score are welcome to apply. Income is calculated on the tenant portion of rent only. Call (254) 415-7480 to confirm current availability for voucher holders.
Do no credit check apartments cost more in Killeen? ▾
No. Rent is the same regardless of credit history. 1BR units are $770/month and 2BR units are $875/month — both below the Killeen average of ~$958/month. The application fee is $55 per adult plus a $75 one-time admin fee. No extra fees for applicants with thin or no credit.

No credit minimum. 1BR available now.

405 Root Ave, Killeen TX 76541 · Near Fort Hood · $770/mo · First month free · Call before you apply

(254) 415-7480