Perfect Solution! Obligo was the perfect solution for me! It allowed me to not have to tie up money in any security and also do things independently & not have to ask friends or family to co-sign. I was even more happy when I found that I use them at so many places in the city so they will definitely be my go to if/when I move again.

Quick & Easy! Obligo was quick and easy to use. My husband and I make decent money, but struggled with the idea of putting over $3k down as a deposit on a rental house since we don’t have a huge savings account. Obligo approved us within minutes for no deposit. You do have to pay quite a service fee (ours was nearly $500) but that made the most sense for our situation. It may not be for everyone, but if you don’t have a large savings account built up, this is a huge help!

I had a great experience using Obligo… I had a great experience using Obligo with my current apartment. Not having to tie up a month's rent for my security deposit was a welcome change from what I was used to with new york apartments. It was easy to set up with my bank account and I haven't had to think twice about it since. I would highly recommend using the service!

Disappointed The first time I used it, I had two charges that we itemized and so I put in the 1st charge and it closed the whole deposit accounting out and I was not allowed to add in the 2nd charge. Nowhere did is say please take all itemized charged and just enter in the whole amount due. Then after several attempts I could not get ahold of anyone. When I did, Roberto did not resolve the problem. He dismissed me and the problem is still outstanding.

Great Value We just rented a new apartment in NYC. I was about to pay the security deposit with our 1st month rent, and the leasing agent told us we could see if we were eligible for the deposit-free option with Obligo. It only took 5 minutes to apply, they connected straight to our bank account to verify the info. The whole process was super easy and quick. I was skeptical at the beginning because I don’t like wasting money that I won’t get back, but it ended up being just a few dollars a month and we did pay the year upfront and saved another 12% on top of that ... we highly recommend it!