Moving Loans for Bad Credit: Move Forward

Moving Loans for Bad Credit: Move Forward

Packing up your belongings and moving is often exciting. It means you are taking a step forward on your life path. It is also often an extremely stressful time. If your credit is bad, or you haven’t had a chance to develop your credit rating yet, you feel the stress even more. Moving can also be expensive. You have to deal with rents and security deposits, a moving vehicle, buying or replacing items that you may have to leave behind, and more. Getting moving loans with bad credit can also be difficult, especially if you don’t know where to look. You may start to wonder if the move is going to happen at all.

Planning Your Move

Before you do anything regarding your move, you need to sit down and plan everything out. You need to make a schedule, a budget, a list of everything you will need to do, pay for and have in the future. Let’s go over some things you need to keep in mind. 

Saving on a move checklist

First, you should take a look at your credit report and start looking into ways in which you can start repairing it if you haven’t already done so. This will not only help you now but will help you in the future. By knowing your score, you won’t be hit with any surprises that could put a wrench in your plans. If you have enough time to repair your credit score, you will be able to get a better loan if you need to finance your move later on.

Start looking into places for rent in the area you would like to rent. Pick an area that you know you can afford easily. Your credit is bad? You are looking into moving loans for bad credit? Then you might want to have a fairly good idea of what amount you will be looking into seeking from a lender. As you work on finding your new home, think about how you will go about moving your things. Now that you’ve looked into preparing for financing a move, as well as your next residence, you need to plan the move itself.

What You Need for Moving

Will you use the help of friends and family? Or will you need to rent a moving van? Professional movers might also need to be considered if you don’t have help lifting heavy items. Make sure you look carefully into costs. Whatever you can do by yourself, such as packing, do it. Remember, movers usually charge per hour, so you don’t want to keep them working more than you actually need them.

Lastly, will you need to purchase any furniture or are you fairly well set on the basics? All of these answers will vary from one person to the next. Your answers will help determine how much money this move is going to cost you. They will also help you budget for the move. Let’s take a look at how you can increase your chances of finding a landlord that will rent to you with bad credit.

Should You Get a Moving Loan For Bad Credit?

Some people looking into moving loans for bad credit are concerned that adding another item to their credit reports will further damage their credit. This misconception comes about because every time someone checks your credit report, it is noted on the report and too many requests for credit in a short period of time can adversely affect your score. It isn’t likely, however, that you have had many such requests if this concerns you and you are trying to work at getting your score up. Qualifying for a loan can actually help you in improving your credit.

Consider This

Every time you make your loan payment on time, the company will report that as a positive to the credit company. Once you have paid the loan off completely, that is also reported. These positive reports will help add points to your credit score. They show you aren’t where you were at one point and that you are more dependable than your previous score indicates. You get the help you need paying for your move, improve your credit standing, and gain a peace of mind that your move isn’t going to put you in a period of financial hardship. It’s a winning situation.

Let’s weigh pros against cons when taking out a moving loan for bad credit.


  • Better rates and more affordable than credit cards.
  • Get the funding quickly
  • Take our larger sums of money. 
  • Fixed rates


  • Going into debt 
  • Have to pay for fees
  • High rates for bad credit

By now, you’re able to determine whether you need a moving loan, if it’s worth it for you and plan everything regarding your move and finances. But what about renting with a bad credit? Let’s look into it.

Finding a Place With Bad Credit

There are no shortage of apartments for rent at any given time. Winters are often the time of year when you find fewer options. That could be to your advantage, however, as most property owners don’t like leaving their places empty during the colder months. This may require them to get utilities like gas and electricity in their own names. Why? In order to prevent damage from the cold. There are other ways you can increase your chances of getting someone to work with you even with less than perfect credit.

  • Consider making a deal to pay an extra month’s rent or increased security deposit. This shows the owner you are serious.
  • Have someone with a better credit score become a moving loan co-signer. This way the landlord knows you aren’t the only one that he has to count on for his rent.
  • Discuss the possibility of allowing the landowner to have each month’s rent automatically transferred from your account. This is often the one thing that works when nothing else does because they can count on the bank following through with the automatic withdrawals.

Be Honest!

One thing that is important is being honest with the landlord. Bad credit occurs for many reasons. Not all of them are because of poor money management or being irresponsible. If something occurred that put you in a bad position financially, let them know from you before they even do a credit check.

This is where knowing what is on your credit report can be helpful. Explain to them what happened and what you have been doing to try and take care of things. Your honesty may be the tipping point with someone who is on the edge about whether or not you are a high-risk renter. Once you have found someone willing to rent to you, you can start looking into ways that may save you money during the actual move. Then you can look into how to pay for your move.

Saving on Short-Distance Moves

Before you look into moving loans for bad credit you should take the time to consider ways of reducing your moving cost. Mainly the cost of relocating your belongings from one place to another. There are numerous ways you can do this. Especially if your move involves a fairly short distance. This will normally be the kind of situation you are dealing with.

Paring down your belongings before the move. It will help save on packing materials and will reduce the amount of room required to physically move items.

Instead of investing in boxes available at movers and rolls of bubble wrap, stop by local stores. On the day they get their shipment just ask if they can save you some boxes. Liquor stores often have plenty of heavy boxes that won’t break easily. Use newspaper for wrapping breakables or wrap clothing or towels around especially delicate items.

Many times you can get a group of friends to help. It will usually cost you the price of a few pizzas and drinks.

It is possible, especially if you don’t have a lot of items, that it will cost less than a U-Haul.

If you have to rent a U-Haul or other moving truck, take time to look for someone else who may also be moving on the same day. Maybe you can work something out where you share the cost of the vehicle. Plus maybe you could help each other with loading and unloading. The day may end up being longer, but you will both benefit. Both with a reduced cost for the vehicle rental and physical help.

These are just a few of the easiest ways to save on a move across town. Now let’s look at some ways a long-distance move can be made less expensive.

How to Save on a Long-Distance Move

Moving long-distance, whether for a new start in life, a job, or a number of other reasons has become something that is faced by many families on an increased basis. In a country where mobility is so easy, it makes sense that people will find it logical to move across the country as quickly as they consider moving across town. Unfortunately, picking up and making this kind of move can be quite expensive. This is the kind of relocation where moving loans for bad credit are most often sought.

One of the biggest ways to save on a long distance move is to do as much of the moving activities as you can manage by yourself. Yes, hiring professional movers may end up being your most logical choice. Before you do, however, consider some of these ways to lower your costs.

Find free or inexpensive packing materials as you would for a short move. Plus have everything packed before the movers arrive. If possible, have someone on the other end to help unload the truck.

They come in a variety of sizes and at varied costs. Look around for the best deals. See if you can find coupons or discounts. Then try to work out deals for extra reductions for things like early booking.

When tax time arrives, you may be able to claim part of your moving expenses.

For example, books are heavy and take up a lot of room but the postal service offers very low rates for mailing books. You can save that space for other items and maybe reduce the size of the vehicle you will need or reduce the weight cost if you hire a professional service.

This is especially true if you hire professional movers. Try to aim for midday hours in the middle of the week. Also, avoid holidays and the beginning and end of the month as these are often times when the companies charge more. Finally, if you can plan your move for between September 30 and June 1, you may be able to save as much as 25 percent on your rental cost.

When you have bad credit to start with, you want to find the least expensive ways possible to make your move so you don’t get yourself into even deeper trouble. Moving long distance will more than likely cost more money than you have on hand. This is when you need to consider moving loans for bad credit.

Ways a Personal Relocation Loan Can Help

How can moving loans for bad credit help you? In addition to helping improve your credit score when you pay it back promptly, moving loans for bad credit can help in various practical ways. Consider you may have to pay extra money for rent or a security deposit when you move into a place. This isn’t money many people have just lying around.

The loan can help when you need help paying rent. Using moving loans for bad credit can also help you pay for a professional moving crew, rental on a moving van, and even replacing or buying things like a washer and drier or refrigerator if necessary. No matter how much we plan, there are always expenses that we missed in the planning stage. There are also times when things come up unexpectedly. You will have the extra money to take care of matters and not have to stress about a slight change in plans.

Getting one of these loans can also help you find peace of mind. You don’t have to consider depending on friends and family who may not like being like being put on the spot about loaning you money. Knowing you did this on your own will give you satisfaction. You also help get your life back on track after a poor financial break. Getting a personal loan for moving may be the one thing that gives you the opportunity to make a fresh start in your life. It may help you be able to accept that job offer in another state.

I want to get a moving loan – next steps

Now that your excitement about your coming move is in full swing and you have decided to look into moving loans for bad credit, how can you move forward? It is highly likely that if you simply walk into your local bank and ask for a personal loan they will deny your request, especially with bad credit. There are places, however, that are willing to take the chance on you. They are legitimate institutions and not some kind of Larry the Loanshark. Many of these are likely to charge a higher interest rate than your local bank, but that is to be expected when you have bad credit. You just need to find these companies and then choose which one fits your circumstances the best. That is where we come in.

Final Words

At, we would love to be able to cut the red tape and give you the money you seek. Unfortunately, that is not what we do. What we do offer is one of the largest databases of available lenders you will find. We look over your information and then go through our database of lenders to help you find a lender who may be willing to lend to individuals with your credit history, current situation, and income level.

Yes, you could probably find one or two of these on your own, but all the time and legwork involved would add further stress to your situation. You don’t have to go to all the places that are more likely to give you a quick “no” and send you on your way. It is also highly unlikely you could find all the available resources without hours and hours of work.  You have enough to deal with when preparing for a move that you don’t need the added hassle of tracking down a loan source. Let us help you find a moving loan for bad credit that will help you move forward in life.


Tips to Frugal Living: Ways to Save on Your Rent

There are many advantages associated with renting. For example, you don’t have to think about how wear and tear impacts the value of your home or apartment. Another advantage is that you don’t have to go through the difficult process of selling a home to move. However, despite the many advantages of renting, many people have a hard time overlooking the fact that paying rent doesn’t allow to build equity for a property. Due the lack of return associated with renting, many people strive to save as much money on their rent. Here are a few tips for frugal living that will help you save on your rent.

How Can I Save Money By Paying Rent?

One way you can save money by paying rent is renting a house that’s for sale. While homeowners are waiting for their home to sell, many will allow people to rent the home for cheap and with no lease. The catch is that you have to keep the home looking presentable at all times. This will make showings to real estate agents easy. When there’s a sale, keeping the house presentable at all times will also make it easier to move out at short notice.

Another way you can save on your rent is becoming a house sitter. In general, house sitting jobs tend to be short-term. However, some gigs can last for months. Usually, when house sitting, you only have to spend money on the utilities. Therefore, you can save a significant amount of money by house sitting. However, you should keep in mind that you will constantly need to be looking for your next house sitting job before your time with the current gig runs out. Also, you probably won’t be able to bring much of your possessions to the house.

How Can I Pay Less Rent?

You can pay less rent by getting a roommate. In fact, getting a roommate is the best way to cut your rent in half or three ways. You can use websites like to find the right roommate for you. However, before you get a roommate, you should ensure that getting a roommate is fine with your landlord. You should also spell out the arrangement clearly to reduce the likelihood of conflict.

Tips for Saving Money on Utilities

After cutting down on the cost of your rent, you should take these tips into consideration to save money on utilities.

  • Use dryer balls – To decrease the amount of time it takes for your clothes to dry, you should use dryer balls, which are inexpensive wool balls. Another advantage of dryer balls is that they permit you to skip fabric softener. Not having to purchase fabric softener will save you more money. Aluminum foil is an alternative to dryer balls.
  • Wash clothes on cold – Whenever possible, you should use cold water to wash your clothes. Cold water uses up less energy, saving you money.
  • Replace light bulbs – If you don’t currently have LED bulbs or compact fluorescent lights, you should replace your light bulbs as they burn out with either type of light bulbs. Both LED and CFL bulbs are much cheaper than they were in the past.
  • Adjust your thermostat – You should adjust your thermostat up or down a few degrees to save a few hundred dollars every year. This tip is particularly useful if you use electric heat in your home.

The Easiest Way to Save Money on Your Move

Renting a Room to Save Money

If you’re single, you may not need to rent out an entire apartment or home on your own. You should consider renting a room instead. Not only does renting a room tend to be cheaper, but it is also typically more simple. Generally, all the utilities are incorporated in the rent.

One of the best places to look for a room. If you don’t like the idea of living closely with other people, you should look for a room that possesses a private entrance and a bathroom.

Can You Negotiate Rent?

Negotiating is a great way to save on your rent. Many people make the mistake of simply accepting what their landlord asks them to pay. One way you can negotiate is by offering to pay rent several months in advance for a lower rate. Other things you can put on the table include an extended lease, a promise of no dogs, cats, or other pets, a promise not to smoke indoors, a 90-day extended termination notice instead of 30-day, and giving up your parking space.

How Much Should I Spend on Rent?

In general, you should spend about 30 percent of your monthly income on rent. For example, if you’re making $3,000 per month, your monthly rent should be about $1,000. You can also calculate the amount of money you should spend on rent by dividing your yearly income by 40.

However, you should keep any debts like student loans, personal installment loans, moving loans, or loans from short term loan lenders that you have in mind. For example, if you have student loans, you should take your student loan payments into consideration. The cost of your rent along with the cost of your monthly debt payments should not exceed about 50 percent of your income. Unfortunately, if you have high student loan payments, you won’t have much money for rent. Consider refinancing your student loans so that you can reduce your debt payments and better afford your rent. You can refinance your student loans for a lower interest rate or a longer term.


Just about everyone wishes they could spend less of their monthly income on rent. Fortunately, saving a decent amount of money on your rent isn’t as difficult as it sounds. If you need help paying rent, you should take the tips discussed above into consideration to reduce the cost of your rent significantly. For more information about how to live frugally and save on your rent, don’t hesitate to contact us.

Rent Loans

Junou M minored in Finance for her Bachelor’s Degree from the University of Central Florida. She has completed over 250 orders about finance for both private clients and marketing companies. Therefore, she has the experience and knowledge necessary to complete articles on the topic of finance. In her 10+ years of experience as a freelance writer, she has completed thousands of articles and is frequently published on Loanry® ( and Cashry® (


The Easiest Way to Save Money on Your Move

Let’s face it. No one enjoys the process of moving, even if it’s for the best reasons. You could be moving across the country to start your dream job in a city you’ve always hoped to live in. Joining the love of your life in a fabulous location. Retiring to a location you’ve always considered a paradise. Or just moving out of that dump you’ve been living in for far too long to a great place in your own city. — that doesn’t mean that the sorting, packing, cleaning, and other chores involved in moving aren’t tedious and time-consuming.

Then there’s the expense — it’s no secret that moving costs money. Fortunately, strategies exist for the purpose of streamlining the move and keeping costs to a minimum. After all, you’re going to want as much money as possible when the move is over. This way you begin to enjoy your new home. Here’s what you need to know about saving money when you move.

How Can I Save Money When I Move?

Many ways exist to save money when you move. They all seem to involve thinking out of the box rather than simply going for the most obvious solution. For instance, moving on a random weekday may result in discounts from moving companies. Indeed most people tend to make their moves on the weekends.

Packing your items on your own rather than hiring a service is another way to finish your move with a few bucks left in your pocket. If the thought of packing is too overwhelming, throw a packing party to help take the edge off.

Surely you’ve got some friends or family members who’ll be glad to pitch in for free or for a few slices of pizza and a cold beer. When that’s not the case, consider hiring a couple of college kids with strong backs to get the job done.

Another way to save money moving involve doing a major purge prior to the move itself. Garage sales provide a good way to generate some extra cash. Then you can recycle, donate, or simply throw away anything that you can’t sell. Local charities will often pick things up for free as long as they are in usable condition.

Cheapest Way to Move Locally

One of the cheapest ways to move locally is to rent a moving truck and do all the heavy lifting yourself or with the assistance of friends and family.

Contact everyone who owes you a favor and let them know you need help moving. Keep in mind, however, that fragile items such as antiques may be better off in the hands of professionals.

In the long run, you won’t save any money if valuable items end up getting broken in the transition. If you can’t find anyone to help, compare prices of the short term moving companies in your community. Then choose the one that best suits your personal needs and preferences.

Couple carrying cardboard boxes in living room.

How to Save Money to Move Out of State

Moving out of state is a bit more complex than simply moving across town. Nonetheless, it’s possible to save money during an interstate move. You probably won’t be able to recruit local friends and family to help you with actual move. However throwing a packing party is still an option. Getting as many free boxes as possible from sources such as liquor stores, big box stores, and Craigslist ads helps keep costs down as well.

Keep all moving-related receipts to use as deductions at tax time. Rent a portable moving container for an inexpensive option to a full-service moving company. It can help if you don’t want to rent a truck and drive it yourself. Short term loan lenders provide another way.

Cheapest Way to Pack for Moving

Cheap ways to pack include using balloons bought at dollar stores as packing materials, finding as many free boxes as you can, and using shredded newspaper instead of packing peanuts. You can also kill two birds with one stone by using clothing, towels, and blankets to provide a cushion for breakable items.

Get creative and stick your socks into glasses to keep them from breaking, and line boxes with empty egg cartons. Getting an early start on packing helps circumvent doing the last-minute scramble when you’re exhausted and hassled. Be sure to enlist as much help among friends and family as possible. In a pinch, you may even be able to convince your neighbors to pitch in.

How Much Should You Save Up to Move?

How much you need to save depends on how much stuff you have. Other factors are about how far away your new home is from your current one and how good your friends are. If your friends are the type to disappear when anything like work needs to be done, you’ll have a to hire a moving crew.

After you’ve worked out your budget, add on another $2,000 for an emergency fund. One of the first rules of moving is that something will always go wrong no matter how carefully you prepare, so always have enough to cover the worst case scenario. Being stuck in the middle of the country due to having to have unexpected car repairs you can’t pay for is one of the worst things that can happen to a person. If finances are an issue, consider looking into moving loans to give yourself some breathing room.

Personal loans for moving can help take the financial edge off when moving funds are in short supply. For instance, you may need help paying rent, hiring a moving truck, or lining up a packing service. If you’re driving across the country while a mover hauls your stuff, you’ll need funds for food, lodging, and gas. Even if you think you’ve got everything covered, you still need to think about that emergency fund.

How to Save Money on a Moving Company

The process of finding a good mover can seem difficult and also hire a moving can seem expensive. When you do a little research on moving companies it is worth it. By shopping around, you can save money for your moving day and that amount can easily be more than $1,000, plus you can project yourself from scams.

Saving on a move checklist

Getting a Loan to Move

Getting a travel loan to move is a good option in many cases. Trying to orchestrate a move on a budget that’s simply too lean often causes expensive problems. For instance, those who lack the funds to have their cars inspected before taking off on a long-distance move often end up with towing and repair bills if something goes wrong along the way.

Also, if you’ve got valuable items to move, you may be better off hiring a reputable mover instead of depending on amateur labor to get the job done.

Getting a moving loan makes sense if you’re moving for a job with a higher salary, especially if you’re going to an area with a reasonable cost of living. Make sure you can afford the payments when estimating your moving loan cost. It’s also a good idea to have a solid plan in place to pay it off.

Please don’t hesitate to reach out to the financial experts in our office for more information on making your upcoming move go as smoothly as possible.