Rental Loans up to $35,000

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Found yourself in the position that you can’t pay rent?

It can be terrifying. If you don’t pay your rent, it can lead to a whole host of problems that will ultimately end in losing your home if the situation isn’t resolved. It’s an emergency that doesn’t bear thinking about; however, it is more common than you may think. Try not to panic.

The start of a new month brings a fresh start and a new budget which is accompanied by our bills. The biggest of which is usually for rent. If you are dealing with a gap in income or an unexpected expense on top of your usual bills, you could find yourself short for the month…

For most of us, our rent payment is the killer, the expense that takes the biggest percentage of our monthly income is usually rent. It’s an important expense, but it can, of course, be frustrating at times especially if you’re dealing with a gap in income or an unanticipated expense or emergency that left you short on funds for the month. A rent-free life would be ideal, but it is unrealistic.

Gaps in income occur, for many reasons. Sometimes we have savings to help tide us over, other times we don’t, or they run out. Not having money for rent is not a personal failure. Rent payment can be one of the most difficult bills to pay because it’s usually the most expensive. It might be the case that you are employed but currently on a low income.

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A short term loan for rent might be one of the options you are considering if you need help paying rent payments.

Using short term loans to help with rent should not be a decision you make lightly, and you may be able to pay another way, so it is best to consider all of your alternatives.

Whatever the reason is that you need help to pay rent. Numerous lenders specialize in emergency loans for rent payments.

In this article, Loanza takes a closer look at the pros and cons of using a personal loan for rent and the possible alternatives.

Did you know?

Loanza may be able to connect you to one of our trusted lenders who specialise in personal loans, that can be used for rent payments. Choose “Home Expenses” for your loan purpose.

Why would you need to use short term loans for rent?

There are numerous reasons why we might consider using a personal loan to pay rent. If you need help paying bills, you may find that there are no other options, especially if you don’t have family and friends who can help you out on a short term basis.

It goes without saying that if you need help paying rent, then things aren’t going perfectly for you right now. It’s an emergency financial situation that can cause a lot of stress but try not to panic. It can be resolved. Like we already mentioned, that is not a personal failure, and you are certainly not the first person to find yourself in this situation.

It’s obvious that under most circumstances you wouldn’t want to borrow money to pay your rent. We would hope that every month we had enough money for our basic payments. Plus, a rent loan is not a sustainable solution unless used carefully and correctly. In fact, using a personal loan for rent is risky and could result in a worse financial situation overall.

Why do loans for rent exist?

Simply put, we need them, because sometimes emergencies arise, and using a loan to pay rent could be the only viable option to tide you over. A short term loan will help to cover the basics while you work things out. A loan for rent could help you save your home!

If you know that you won’t be able to repay the loan amount and interest rates as agreed, then, of course, there is no point in making an already difficult situation worse for yourself. However, it is possible that you have a plan and that a loan may give you a head start or tide you over. If you can avoid losing your home for a few months while you resolve your financial troubles, then a loan may be a real lifesaver, provide assistance and help you avoid the unthinkable.

If you are waiting on a first paycheck, a new job to start or financial payments to come in from another source then a rental loan in your bank account could make complete sense. It all depends on your personal situation.

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Avoiding Eviction

If you want to avoid losing your home and/or your security deposit, you need to make payment and follow your rental agreement. It might be the case that loans may be your only option. However, If you are experiencing financial difficulty, you can do a few things before you take out a short term loan. The first thing to do is to communicate…

Discuss Your Options

If you think you’re not going to be able to pay your rent, speak to your landlord or the office you deal with. They may help! It’s going to be a tough conversation, but if you don’t speak to them, you don’t know if you will be able to get assistance with your housing situation. It might go terribly but discussing your rent may also save the day. Don’t take out a loan or fail to make a payment for your housing without talking it over first.

You can call them, email, or visit in person to explain the situation you have found yourself in. Make it clear that you are determined to make the payment and be prepared to answer any questions they have. Of course, your privacy is important, so you don’t have to overshare. You will have to give some insight into your circumstances to help resolve your housing payment delay.

Whether this approach is successful or not will mostly depend on the rent agreement, the person you rent from, or the policies in place at the rental office. Bear in mind that even though it might buy you time, you may have to pay late fees. Depending on the late fees, a loan could work out even cheaper with the interest – be sure you draw up a proper comparison.

Pay What You Can

Remember if you have enough money to pay some of your rent, pay what you can and offer this during the conversation. This will reduce your amount of outstanding rent payments and make life easier in the long run.

Be A Good Tenant

Following the terms of your rental agreement and being an all-around good tenant will go a long way when you need to get help at any point as you will have already demonstrated a good example. Previous good behaviour may help your case if you request some financial flexibility on your rent payments later down the line. It can also help you protect your security deposit.

If there is no flexibility, then you could consider seeking third party help or financial advice…

Third-Party Support

In some states, you will find Eviction Prevention Programs (EPP), do some research and find out if there are any in your area. If your financial difficulty is a result of a life event or you are at risk of being evicted, these programs can offer advice and assistance.

There may also be charitable organisations in your area, like the red cross, or a local church who can offer free impartial financial advice and assistance or signpost you to places that you can get support from.

What Are The Alternatives To Personal Loans For Rent?

If you have taken the steps above, and know that access to cash is the only option to pay rent and avoid eviction, then you could be ready to take out a loan. However, before you commit to taking out rent loans or taking out a personal loan to pay rent, it is in your best interest to explore the alternative options to make the best decision in your emergency housing situation. So if you need rent assistance, what other financial help can you get?

Family & Friends

If you are lucky enough to have friends or family who could help you out short term, it might be worth having a difficult conversation with them. Remember that these relationships are important, so it’s vital to come to an agreement that everyone is happy with and stick to the terms.

Credit Cards

If you are eligible, applying for credit cards is another finance option that’s able to help. A credit card credit will allow you to make rent payments, and then you will be required to pay the bank along with the interest rate and any applicable charges. Credit cards can lead to long term debt and can come with an excessive interest rate so should be paid off as soon as you can.

A credit card may be harder to access if you have an existing poor credit score. Remember that you will only be able to make a card payment for your rent as you will not receive any money in your bank account. Double-check that your landlord or agency accepts credit card payment before you get one.

Credit Unions

If you are a credit union member, you may wish to request a personal loan with them. Credit unions are not like banks or direct lenders. They are financial cooperatives run by members. Put simply; credit unions are not-for-profit organisations.

The profit credit unions make on interest rates and fees are returned to members in reduced origination fees, higher savings rates and lower interest rate availability. To take advantage of these reduced rates and fees, you have to be an existing credit union member.

Because they are independently run, the membership application process can vary depending on your local credit union. A joining fee will likely be required, and you may need a minimum credit score to be eligible.

Bank Loans

If you are able to access a bank loan, then that may be an ideal solution. The interest rate on a bank loan may be lower than an online loan for rent. Your bank might be willing to work with you to solve your financial and housing dilemma and offer assistance or a loan amount.

Unfortunately, traditional banks are conservative when it comes to lending and may not be able to assist you if you have existing poor credit.

Rent Assistance Programs

If you are struggling for one month’s rent, or maybe a few months but you know that you will be on your feet again soon then a rent loan could be exactly what you need to reset!

Loanza can connect you to some of the most reputable personal loans on the market!

If your current financial circumstance is likely to continue longer term, you may wish to explore other options, especially rental assistance programs.

The U.S. Department of Housing and Urban Development offers programs that help tenants find affordable housing. Both government agencies and private organisations in every state can help you find an affordable and safe home. You might be able to stay in the home you are in; however, chances are you will have to relocate. The programmes offer a whole host of support from voucher programmes to temporary accommodation.

Payday Loan vs Rent Loan, Is It The Same Thing?

The water is a little muddy here, yes and no.

Payday loans have a bad reputation for offering same business day cash at unaffordable interest rates. These days, the payday loan market is more tightly regulated.

You will find many online lenders that are trustworthy offering short-term loans while using the term ‘payday loans’ as it is more widely recognised. Many of such lenders offer cash for the purpose of paying your month s rent. Also, there are personal loan lenders offering loan products for rental payment purposes.

If you request a loan via Loanza you can be sure you avoid shady lenders and if successful, you will be connected to a trusted short-term or personal loan lender. When choosing your purpose, pick “Home Expenses”.

Being Wary Of Predatory Lenders

We do, however, discourage the use of sketchy “same business day” or “quick cash now” options. These advertisements are designed to panic you – they tend to prey on the desperation of people and create a sense of urgency so that you request a loan without being fully aware of your options.

Taking out one of these loans in haste can lead to long term trouble with excessive fees.

We understand that this can be confusing. How do you know which companies to trust? That’s where Loanza’s completely free service comes in – request a loan through us and stay clear of rogue lenders.

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Can You Get Rent Loans With Bad Credit?

Yes! Loans for rent, bad credit accepted are widely available. If you need a rent loan, bad credit score is not the end of the road, and you can still get assistance. Many lenders specialise in rental loans based on affordability and not on your credit score. Rent loans, bad credit are easy enough to find, and most of the lenders Loanza works with offer their loans based on affordability, you are in safe hands. Request a Loan with Loanza today.

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What Are The Risks In Using a Personal Loan To Pay Rent?


Paying the rent with short term personal loans will ultimately add to your debt. Yes, sometimes emergency loans are necessary, and it can mean that you get help with any immediate payment. Still, it is important to remember that down the line you will be required to make both your rent repayments and your loan repayments every month. Before taking out a personal loan for rent, it is important to consider how you will manage the repayments with your rent and other bills!

Juggling Bills

Once your emergency situation resolves, you are going to have to manage to pay your rent and your loan repayments on top – if you are unable to do that – taking out the loan will have essentially been for nothing. Make sure that you have enough to cover the costs each month.


Loans are an expensive way to spend money – you have to pay them back with interest added on top. Many short-term loans have high-interest rates, and longer repayment terms mean more interest.

Credit Scores

If you miss a re-payment your credit score could take a hit! However, as long as you are timely with your payments, it shouldn’t harm your credit. Actually, regular timely payments can even better your credit score.

Late Fees

If you miss a payment, expensive late fees could be applicable depending on your personal loan terms.

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To Summarise

Everyone should feel safe and secure in their own home. But you don’t always feel safe when the rent is due, and you can’t cover the bill. When you lack the financial protection, the threat of eviction could send you into a spiralling panic, but try to stay calm. Explore all of your options before you commit to anything. Depending on your situation, you may qualify for a loan or long-term assistance program that can get you back on your feet and once again feeling secure.

If you have explored all your options and don’t have another plan, a loan could really save the day, your home and your future.

Have a plan for how you are going to tackle the repayments and remember, you’re not alone.

Is Loanza A Direct Lender?

No, we are a service provider who can introduce prospective borrowers to prospective lenders, in one quick and simple online process, for free.

So, How Do I Request Rental Loans Online?

To request a loan through Loanza, you simply enter a few details online. Loanza then quickly searches through our trusted lenders and loan offers to find a suitable option for you. You will then be taken to the lender’s website to finalize your request on their site online.

The loans online request process does vary slightly direct lender to lender. Please review the fine print and detail and make sure that you are happy with the terms before signing. They will also be the ones confirming how quickly your cash will be deposited so check that too! Most of our ethical lenders promise the following:

How Much Does It Cost?

Nothing, Loanza’s service is 100% free to use. It’s also no obligation. Be wary if you choose to use a broker service as many of them do charge an extra fee on top. If you are struggling with rent the last thing you want is unnecessary costs!

We are simply a service provider connecting those who need a loan to great loan offers on the market. Simple.

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