Emergency Financial Options When Rent Is Due

Explore Emergency Borrowing Options

If you are considering borrowing to pay rent, compare the full cost and repayment schedule first. Personal loans, credit-union small-dollar loans, and payday loans can have very different terms and costs. Availability depends on your state, lender, and eligibility.

Before you apply

• Check the APR, all fees, total repayment amount, and due dates.

• Make sure repayment will not leave you unable to pay next month's rent or other essential bills.

• Compare lower-cost alternatives, including a payment arrangement with your landlord.

Payday loan warning: Payday loans can carry very high fees and APRs, and repeated borrowing can make financial hardship worse. Loans are not grants and must be repaid. Approval is not guaranteed.

Loan comparison options

We are reviewing potential lending partners. No loan application or lender referral is available on this page yet. Any future paid affiliate recommendation will be clearly labeled and include relevant loan disclosures.

Need Help That Doesn't Require Repayment?

Call 211 or visit 211.org to find local rent, utility, and housing assistance programs. You can also contact a local community action agency or housing counseling service.

Find community discussions and resources for your state in our Help Archive.

Three Steps You Can Take Today

• Contact your landlord: Ask about a written payment plan or extension.

• Search local assistance: Check 211 and your city or county housing department.

• Compare costs: If borrowing is necessary, review terms and affordable alternatives before committing.

HelpWithRent.org provides general educational information. We do not provide loans, guarantee financial assistance, or make eligibility decisions. Programs and loan terms may change.

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