# No Credit Check Apartments for Rent Killeen TX | The Atrium

**URL:** https://www.theatriumkilleen.com/no-credit-check-apartments-killeen
**Breadcrumb:** [The Atrium](/) › No Credit Check Apartments in Killeen TX
**Address:** 405 Root Ave, Killeen, TX 76541
**Phone:** (254) 415-7480

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## No credit check apartments for rent in Killeen TX

The Atrium Apartments at 405 Root Ave, Killeen TX 76541 has no minimum credit score requirement. 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.

[Schedule a Tour](https://homesteadrentalsandsales.appfolio.com/listings/detail/cd32b1ce-0ef8-4f76-8368-fe61274c865b/contact_us_form) | [(254) 415-7480](tel:+12544157480)

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## 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, 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 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.

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## Who qualifies

- **Thin or no credit history** — First-time renters, recent graduates, young adults reviewed on income, not score
- **Junior enlisted and new military** — Active-duty soldiers who receive BAH but have limited credit history. BAH accepted as income
- **Low or recovering credit scores** — A low score from past hardship does not automatically disqualify you. Current income stability matters more

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## How qualification works

1. **Verifiable income** — 2.5x the monthly rent from the last 30 days. Pay stubs, bank statements, LES, BAH award letter, or employer letters
2. **Employment or income stability** — Consistent employment, active military status, or an active housing voucher
3. **Photo ID** — Valid government-issued ID required for all applicants 18 and older
4. **Call before you apply** — (254) 415-7480. Not sure if your situation qualifies? Call before paying the $55 application fee

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## Unit pricing

| Unit | Size | Rent | Status |
|---|---|---|---|
| 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 |

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## Rental criteria

| Category | Requirement |
|---|---|
| Income | 2.5x monthly rent. ~$1,925/mo for 1BR. Pay stubs, LES, bank statements, or BAH award letter from last 30 days |
| Credit | No minimum credit score. Thin credit, no credit, low scores reviewed individually |
| Rental history | Prior evictions and broken leases reviewed individually under second-chance leasing. Not automatic rejection |
| Application | $55/adult + $75 one-time admin fee. Non-refundable |
| Vouchers | Section 8 / HCV and HUD-VASH accepted |

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## 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. Renovated 1BR units available now at $770/month, first month free. BAH and vouchers accepted.

**Can I rent with no credit score in Killeen TX?**
Yes. No credit score or thin credit file does not disqualify you. MCG Homestead evaluates income as the primary factor. ~$1,925/month income for the 1BR qualifies without a credit history.

**Does BAH count as income for no credit check apartments near Fort Hood?**
Yes. BAH is accepted as verifiable income. A current LES or BAH award letter satisfies the 2.5x income requirement. Junior enlisted soldiers with thin credit histories are welcome to apply.

**What is the difference between no credit check and second-chance leasing?**
No credit check: no minimum score, qualify on income alone. Second-chance leasing: prior eviction or broken lease reviewed individually. The Atrium offers both.

**Can I use a housing voucher with no credit at The Atrium?**
Yes. Section 8 / HCV and HUD-VASH vouchers accepted. Voucher holders with no credit history welcome. Income calculated on tenant portion of rent.

**Do no credit check apartments cost more in Killeen?**
No. Rent is the same regardless of credit history. $770/month 1BR, $875/month 2BR. $55/adult application fee plus $75 admin fee. No extra fees for thin or no credit applicants.

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## Ready to apply?

No credit minimum. First month free. 405 Root Ave, Killeen TX 76541 — near Fort Hood.

[Schedule a Tour](https://homesteadrentalsandsales.appfolio.com/listings/detail/cd32b1ce-0ef8-4f76-8368-fe61274c865b/contact_us_form) | [Call (254) 415-7480](tel:+12544157480)

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## Related pages

- [The Atrium — Home](/)
- [Second Chance Apartments](/second-chance-apartments-killeen)
- [Section 8 & Voucher Apartments](/voucher-apartments-killeen)
- [Affordable Apartments Killeen TX](/affordable-apartments-killeen)

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Managed by [MCG Homestead](https://mcghomestead.com).
Equal Housing Opportunity. Approval subject to application review. Texas Real Estate Commission License #9011281.