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Decatur, Illinois

Homes in Decatur, IL you can buy with no credit check

Renting in Decatur? You may be able to buy instead. We have 73 homes for sale in Decatur, Illinois that you can buy with no credit check and no bank, sold directly with owner financing. Prices run from $15,000 to $124,998. Down payments start at $750 (the typical one here is about $2,200). Monthly payments start around $235, which is often less than rent for a home this size. You will find 1 to 4 bedroom homes. 1 of them is a contractor special, priced lower for buyers ready to do the work.

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Paying rent in Decatur? See what you could own instead.

Looking at houses for rent? Type what you pay in rent each month and we will show the homes here with an estimated monthly payment at or under it. No credit check, no bank.

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$995/month
$2,500 down
$101,000 purchase price
945 S Maffit St, Decatur, IL
3 bd 1 ba 1,032 sqft
Owner Financing Available
$800/month
$2,000 down
$88,000 purchase price
1931 N Edwards St, Decatur, IL
4 bd 2 ba 0 sqft
Owner Financing Available
$1,350/month
$3,500 down
$122,000 purchase price
3975 E William St, Decatur, IL
3 bd 1 ba 1,416 sqft
Owner Financing Available
$1,095/month
$2,500 down
$124,998 purchase price
2015 N Union St, Decatur, IL
4 bd 1 ba 1,042 sqft
Owner Financing Available
$1,500/month
$4,000 down
$120,000 purchase price
1744 N Monroe Street, Decatur, IL
3 bd 1 ba 1,456 sqft
Owner Financing Available
$850/month
$2,000 down
$86,000 purchase price
125 S 16th St, Decatur, IL
2 bd 1 ba 988 sqft
Owner Financing Available
$1,150/month
$2,500 down
$119,000 purchase price
1975 E North St, Decatur, IL
2 bd 2 ba 0 sqft
Owner Financing Available
$975/month
$2,750 down
$89,995 purchase price
1528 E Lawrence St, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$1,150/month
$2,500 down
$119,000 purchase price
1975 E North St, Decatur, IL
2 bd 2 ba 0 sqft
Owner Financing Available
$1,150/month
$2,500 down
$119,000 purchase price
1975 E North St, Decatur, IL
2 bd 2 ba 0 sqft
Owner Financing Available
$895/month
$2,500 down
$82,000 purchase price
933 Elmhurst Ave, Decatur, IL
2 bd 1 ba 780 sqft
Owner Financing Available
$894/month
$3,000 down
$90,000 purchase price
765 W. Division Street, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$1,000/month
$3,000 down
$95,000 purchase price
1175 E Division Street, Decatur, IL
2 bd 1 ba 825 sqft
Owner Financing Available
$955/month
$3,000 down
$85,000 purchase price
234 Home Ave, Decatur, IL
3 bd 1 ba 960 sqft
Owner Financing Available
$895/month
$2,000 down
$89,000 purchase price
244 W Garfield Ave, Decatur, IL
3 bd 1 ba 0 sqft
Owner Financing Available
$395/month
$1,000 down
$25,000 purchase price
1428 N Gulick, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$700/month
$2,000 down
$69,000 purchase price
1942 N Church, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$850/month
$2,200 down
$85,000 purchase price
1286 East Vanderhoof St, Decatur, IL
3 bd 1 ba 871 sqft
Owner Financing Available
$700/month
$2,000 down
$69,000 purchase price
1353 N. Morgan, Decatur, IL
2 bd 1 ba 804 sqft
Owner Financing Available
$700/month
$2,000 down
$69,000 purchase price
1435 North Woodford Street, Decatur, IL
2 bd 1 ba 884 sqft
Owner Financing Available
$875/month
$2,000 down
$79,000 purchase price
2055 N Church St, Decatur, IL
2 bd 1 ba 726 sqft
Owner Financing Available
$1,150/month
$2,500 down
$119,000 purchase price
1975 E North St, Decatur, IL
2 bd 2 ba 0 sqft
Owner Financing Available
$850/month
$2,500 down
$80,000 purchase price
1204 N Jordan , Decatur, IL
3 bd 1 ba 1,200 sqft
Owner Financing Available
$900/month
$2,500 down
$95,000 purchase price
1749 N College St, Decatur, IL
2 bd 1 ba 672 sqft
Owner Financing Available
$795/month
$1,500 down
$69,000 purchase price
923 W King St, Decatur, IL
2 bd 1 ba 936 sqft
Owner Financing Available
$825/month
$2,500 down
$85,993 purchase price
957 W View St, Decatur, IL
2 bd 1 ba 792 sqft
Owner Financing Available
$575/month
$1,000 down
$39,000 purchase price
752 S Miller Court Decatur IL, Decatur, IL
2 bd 1 ba 900 sqft
Owner Financing Available
$750/month
$2,500 down
$73,889 purchase price
4547 E Rosewood Rd, Decatur, IL
1 bd 1 ba 0 sqft
Owner Financing Available
$695/month
$1,000 down
$59,000 purchase price
442 W Division St, Decatur, IL
3 bd 1 ba 0 sqft
Owner Financing Available
$750/month
$2,200 down
$71,000 purchase price
1527 N Oakland Ave, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$850/month
$2,500 down
$85,000 purchase price
712 W Waggoner St, Decatur, IL
2 bd 1 ba 975 sqft
Owner Financing Available
$850/month
$2,500 down
$84,995 purchase price
909 S Maffit St, Decatur, IL
3 bd 1 ba 830 sqft
Owner Financing Available
$875/month
$2,000 down
$79,000 purchase price
1963 N 31st St, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$788/month
$2,500 down
$63,500 purchase price
830 East Rodgers Ave, Decatur, IL
3 bd 1 ba 0 sqft
Owner Financing Available
$865/month
$1,500 down
$89,000 purchase price
1143 E CLEVELAND AVE, DECATUR, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$950/month
$3,000 down
$100,000 purchase price
231 W Grand Ave, Decatur, IL
3 bd 1 ba 1,189 sqft
Owner Financing Available
$895/month
$2,500 down
$79,000 purchase price
1750 N Jasper St , Decatur, IL
2 bd 2 ba 0 sqft
Owner Financing Available
$595/month
$750 down
$39,000 purchase price
941 w Waggoner St, Decatur, IL
2 bd 1 ba 1,400 sqft
Owner Financing Available
$725/month
$1,000 down
$59,000 purchase price
442 W Divison St, Decatur, IL
3 bd 1 ba 0 sqft
Owner Financing Available
$850/month
$1,500 down
$85,000 purchase price
1746 N Woodford St, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$595/month
$2,000 down
$59,995 purchase price
1923 N. Church St , Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$650/month
$1,500 down
$69,500 purchase price
1652 E Hickory St, Decatur, IL
bd ba 0 sqft
Owner Financing Available
$850/month
$2,500 down
$89,000 purchase price
1439 N Jasper, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$895/month
$2,000 down
$89,000 purchase price
1828 E Main St, Decatur, IL
2 bd 1 ba 1,050 sqft
Owner Financing Available
$915/month
$2,500 down
$82,500 purchase price
1252 E Whitmer St, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$725/month
$1,000 down
$71,000 purchase price
1334 Martin Luther King, Decatur, IL
bd ba 0 sqft
Owner Financing Available
$725/month
$2,500 down
$71,825 purchase price
1421 Sedgwick St, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$850/month
$2,000 down
$82,000 purchase price
1705 E North St, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$795/month
$2,000 down
$86,000 purchase price
1811 N Morgan St, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$725/month
$1,500 down
$63,000 purchase price
2648 E Prairie St, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$895/month
$3,000 down
$92,900 purchase price
2081 N College St, Decatur, IL
2 bd 1 ba 926 sqft
Owner Financing Available
$825/month
$1,200 down
$78,280 purchase price
1830 N Lowber St, Decatur, IL
2 bd 2 ba 0 sqft
Owner Financing Available
$795/month
$2,500 down
$77,500 purchase price
1344 E Condit St, Decatur, IL
3 bd 1 ba 980 sqft
Owner Financing Available
$795/month
$1,800 down
$83,000 purchase price
238 W Peoria, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$1,200/month
$3,000 down
$119,000 purchase price
1975 E North St, Decatur, IL
2 bd 2 ba 1,258 sqft
Owner Financing Available
$895/month
$2,500 down
$89,000 purchase price
1286 East Vanderhoof St, Decatur, IL
3 bd 1 ba 871 sqft
Owner Financing Available
$750/month
$3,000 down
$76,000 purchase price
132 N 23rd Place, Decatur, IL
2 bd 1 ba 704 sqft
Owner Financing Available
$775/month
$1,500 down
$71,999 purchase price
1365 E Walnut St, Decatur, IL
2 bd 1 ba 900 sqft
Owner Financing Available
$800/month
$1,500 down
$76,543 purchase price
515 S Boyd St, Decatur, IL
2 bd 1 ba 716 sqft
Owner Financing Available
$785/month
$2,250 down
$74,500 purchase price
1035 Elmurst Avenue, Decatur, IL
2 bd 1 ba 616 sqft
Owner Financing Available
$850/month
$1,700 down
$87,000 purchase price
462 W Leafland Ave, Decatur, IL
3 bd 1 ba 0 sqft
Owner Financing Available
$725/month
$1,250 down
$75,000 purchase price
1505 E Walnut St, Decatur, IL
2 bd 1 ba 768 sqft
Owner Financing Available
$825/month
$1,000 down
$71,846 purchase price
1303 E WHITMER ST, Decatur, IL
3 bd 1 ba 950 sqft
Owner Financing Available
$790/month
$3,000 down
$72,500 purchase price
1908 N Union St, Decatur, IL
2 bd 1 ba 1,230 sqft
Owner Financing Available
$845/month
$2,300 down
$84,000 purchase price
347 N Stone St, Decatur, IL
2 bd 1 ba 850 sqft
Owner Financing Available
$235/month
$900 down
$15,000 purchase price
2827 E Hickory St, Decatur, IL
2 bd 1 ba 528 sqft
Owner Financing Available
$918/month
$3,000 down
$83,500 purchase price
989 W Packard Ave, Decatur, IL
3 bd 1.5 ba 0 sqft
Owner Financing Available
$825/month
$2,500 down
$89,000 purchase price
1755 Monroe St, Decatur, IL
3 bd 2 ba 1,152 sqft
Owner Financing Available
$725/month
$2,000 down
$71,900 purchase price
1527 E Decatur St, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$800/month
$1,800 down
$89,000 purchase price
1305 E Whitmer St, Decatur, IL
2 bd 1 ba 1,560 sqft
Owner Financing Available
$685/month
$2,000 down
$69,995 purchase price
1180 E Mueller Ave, Decatur, IL
2 bd 1 ba 768 sqft
Owner Financing Available
$650/month
$1,000 down
$49,000 purchase price
1096 W Green St, Decatur, IL
2 bd 1 ba 0 sqft
Owner Financing Available
$700/month
$2,000 down
$65,000 purchase price
105 N Illinois St, Decatur, IL
3 bd 1 ba 0 sqft
Contractor Special, Owner Financing

Buying a home in Decatur without a bank, even with bad credit

Every home on this page is sold with seller financing, sometimes called owner financing or a contract for deed. You make a down payment and then monthly payments straight to the seller. No mortgage application, no credit check, and no waiting on an underwriter. Learn how seller financing works.

Questions about homes in Decatur

Are there rent to own homes in Decatur, IL?

Our homes in Decatur, IL are sold with seller financing, which many people search for as rent to own. The difference is better for you: you own the home from day one instead of renting with an option to buy later, and your monthly payment goes toward a home that is already yours.

Can I buy a home in Decatur, IL with bad credit?

Yes. We do not run a credit check, verify income, or do a background screening. You pick a home, make the down payment, and make your monthly payments to the seller.

I rent in Decatur. Could I buy a home instead?

Very likely. Many renters do not know they can buy without a bank. Of our 73 homes in Decatur, 58 have an estimated monthly payment of $900 or less, and the lowest is about $235 a month. Type your rent into the box on this page to see which homes fit.

Is this a good option for a first time home buyer in Decatur, IL?

Yes. Most of our buyers are first time home buyers. There is no mortgage to qualify for, no credit score needed, and the down payment is small, so you can stop renting without years of saving.

How much do I need down for a home in Decatur, IL?

Down payments on our Decatur, IL homes start at $750. Each listing shows its exact down payment and estimated monthly payment.

How do I see a home in Decatur, IL?

Open any listing and tap Request a Showing, or use the Schedule a Showing page. A housing specialist will reach out to set a time.

See all owner financed homes in Illinois.

More reading: rent to own vs. seller financing, no credit check homes, first time home buyers, tired of renting.