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Why A Loan For Rent?

Let’s start with the obvious: under most circumstances, you don’t want to borrow money to pay your rent. It’s not sustainable and unless you’re very cautious, you could easily end up even further behind and owing more than you did when you started.

So why are rental loans a thing? Because sometimes emergencies arise. Sometimes unexpected expenses leave you temporarily hurting for cash and you need a way to cover the basics while you work things out. It’s possible to have a pretty good idea of how you’re going to navigate things if you can just avoid losing your house or apartment for the next few months while you do. You may be waiting on an insurance settlement, or back pay, or access to a trust fund, or any number of possible income sources which will be sufficient to get you back on your feet – it’s just going to be a few months. Maybe you just started a new job, or paid for a major car repair and it will take some time to get caught up financially.

That’s when a loan to pay rent might make sense. It might not, depending on your specific circumstances, but it’s an option worth considering.

The most important thing to ask yourself is whether or not the cause of the difficulty is clearly temporary. Just how certain are you that your financial situation will be changing for the better soon? Will it be enough for you to not only start paying your rent every month, but pay back whatever loan(s) you took out as well?

It should go without saying that you should avoid taking out a personal loan simply because you don’t make enough to cover your monthly expenses and aren’t sure when or if that might change. You realize you need money for rent, but you don’t have a clear plan for avoiding the exact same situation again six months from now. Rent will still be due every month, only now you have a loan you’re supposed to be paying back as well. If you couldn’t pay your bills before, you probably can’t pay your bills plus a new monthly installment.

A loan for rent can help you push on with your life and your plans even when things look dark, or it can be another layer of denial and add unnecessary debt to your problems. If you’re not sure which one is you at the moment, ask a few trusted friends and family members what they see happening. If they truly care about you, they’ll be honest with you. If you are upside down and don’t have a clear path towards being able to pay your bills each month, you should take advantage of a local credit counseling service. They can help you put together a plan and many will even negotiate with your existing creditors.

But if that’s not you – if you just need to get through the next six months or weather a specific storm, we might be able to smooth the journey a bit. It’s OK to need help paying rent once in a while or because something unusual has happened. We can’t fix everything you’re facing, but we can make this part of it a tiny bit easier. If you need help paying rent, let us know. We’ll connect you with someone who might be able to help you out.

How to Avoid Eviction

The only sure way to avoid losing your house or apartment is to make the payments and follow the terms of the rental agreement. If you are having trouble making payments on time, however, there are a few common sense things to consider while you work out your financial difficulties.

First and foremost, communicate with the owner, the office, or whoever gets your rent check each month. Don’t just not pay and hope for the best – call or visit and calmly explain the situation and reassure them of your determination to pay. While you don’t need to overshare the details of your personal life, be prepared to explain enough about your circumstances to support the idea that money is, in fact, on the way and that you have reason to believe you won’t have this same difficulty every month.

Depending on the type of person in charge or the policies of whatever company owns your home, it may not change anything. Often, however, a little communication and friendliness goes a long way. Even if you end up paying late fees or other additional charges, you may buy yourself some time.

Second, pay what you can. If you have an apartment that costs $500/month and you simply don’t have it, consider paying $250 with a polite explanation and a pretty close estimate of when you’ll have the rest.

Third, make sure you’re following all of the policies and preferences spelled out in your leasing agreement. This doesn’t make it OK not to pay, but you don’t want to give them additional reasons to want you out. Be the best tenant they’ve ever had from day one and you may buy yourself some leeway when times get tough.

Fourth, explore Eviction Prevention Programs (EPP) in your area. These vary from state to state, but in general they’re designed to assist people who are having difficulty paying their rent as a result of a substantial life event and are in danger of imminent eviction. Calmly explain your situation and ask what they can do or what they recommend. You may also find assistance from local government agencies or charitable organizations. Most cities and states offer housing programs. There are also non-profits in your area which may be able to help you with rent or point you towards organizations who can. Don’t be afraid to contact your local church, United Way, Salvation Army, or other charitable institution. This is part of what they do.

What Kind of Loan is a Rent Loan?

A rent loan is an unsecured personal loan, sometimes referred to as a “term loan” or “installment loan,” taken out when you need money for rent. What all of that means is this:

It’s a “personal loan” because a loan for rent is made to you as an individual based on your credit, your income, and your promise of repayment. You’re putting your good name and your credit history on the line when you give your personal assurance that you’ll do everything in your power to make the agreed upon payments in full each month. Because of this, lenders will look at your credit score, and may also pull copies of your complete credit history. They may ask you to provide documentation regarding your income over the past two years, your employment, and how long you’ve lived at your current address.

It’s “unsecured” because you’re not putting up your home or auto or investments as collateral to secure the loan. If for some reason you are unable to pay, it can hurt your credit and possibly even lead to being turned over to a collection agency, but it won’t mean automatically losing your home or car.

A “term loan” or “installment loan” are the same thing. Your payments will be the same each month and you’ll know before you even agree to the terms exactly when your loan will be paid in full. Personal loans typically carry “fixed” interest rates, so whatever rate you agree to when you accept the loan will stay the same until paid in full.

If you’re in the sort of situation that includes needing emergency help with rent, you may be tempted to take the first loan offer you can get. Remember that not all lenders are the same, and that even with emergency eviction loans, you’re still the customer. You may need a loan, but the lender needs you in order to make a reasonable profit. You want to get through this month, but you should also keep in mind what this loan will mean next month, and in six months, and a year. This is a chance to negotiate the best terms possible and strengthen your credit history, even if it all starts with you needing a loan to pay rent.

Loanry® is here to help you pay your rent


Why Loanry?

If you need help paying rent, it’s likely that there may be other things not going perfectly right now. First and foremost, please know that while your circumstances may be difficult, they are not unique. Other people have survived them, and you will, too. Take a slow, deep breath and remind yourself that you will come out the other side.

If you have transportation and a flexible work schedule and a decent credit score, you can certainly check out your options at your favorite local bank or credit union. They may have done rental loans before and be willing to work with you to resolve your situation. Not all traditional lending institutions are known for being quite so flexible, however. They are by their nature conservative and cautious – it’s how they’ve survived for so long. Still, there’s no harm in asking.

On the other hand, we strongly discourage the use of sketchy “payday loans” places or “quick cash now” options like the sort which pop up in strip malls or at your local gas station or next to the liquor store. These places tend to prey on the desperation of people in need or who don’t fully understand their options. It’s simply too easy to end up paying way more than you thought you were going to or facing harsh consequences the moment you get behind on a single payment by a few weeks.

At Loanry, we’ve built a successful lending marketplace on a simple philosophy – if you’re offered the right information, freely and in plain, simply English, and connected to lenders who specialize in situations like yours, you’re probably going to make the right decision for you and your family. That may be taking out a loan from one of our recommended lenders, or it may be a “no, thank you” because you’ve found a better option. You may decide you don’t need a loan from anyone after all. That’s OK, because you know we’ll be here next time.

So whatever device you’re using – your laptop, tablet, phone, or anything else – Loanry is here around the clock and throughout the weekend. The site is even up on major holidays. You can educate yourself, compare your options, or reach out and ask for assistance whenever you’re ready. We’ll respond as promptly as possible and you may be surprised how quickly you have money in your account and a chance to get your financial life back on track.


When you’re seeking emergency help with rent, you may not be too focused on the long-term, and we’re not here to tell badger you about that right now. When things settle down, however, don’t forget to come back and spend a little time exploring your options for laying that financial groundwork. You may not think people in your position or your income range can invest for retirement or prepare for emergencies, but you can. And we can help.

For now, let’s just keep in mind that the terms available to you one whatever loan for rent you accept are going to be largely shaped by your current credit score and recent credit history. Your ability to get a loan without a co-signer, the number of fees or upfront charges involved, and especially your interest rate, are all determined primarily by your past credit behavior. We can’t go backwards and change what’s already happened, good or bad. It is, as they say, what it is.

Remember, though, that what you do starting now will dramatically shape your credit history and three-digit credit score going forward. The changes aren’t instantaneous, but they don’t all take as long as you might think. One day you will need credit again – to by a car, to pay for a wedding, to put someone through school, or even to purchase a house. When that day comes, the terms and rates available to you will be largely determined by what you do starting now and moving forward.

You can do this. We can help. Personal, meet loan.


Sometimes the most frustrating thing about banks and bills and loans and savings is not completely understanding how it all works or exactly what’s going on. How is this payment figured? Why has this interest rate changed? What’s with all the weird terminology they’re throwing at me and assuming everyone knows (except me, apparently)? How can I make all of this fit MY life and MY finances?

One of our primary goals at Loanry, and across the Goalry family, is to provide you and yours the information, tools, and connections to take more efficient control of your personal and small business finances. Whether it’s real estate information on Accury, managing your monthly expenses at Budgetry and Billry, or preparing for April with Taxry, we can help shine a little light on the things others seem to want to be more complicated than necessary. The same is true when talking investments on Wealthry, managing your debts on Debtry, or accessing traditional or emergency financing on Loanry or Cashry.

We can’t make everything easy, but it doesn’t always have to be so hard. And you don’t have to do it alone.


Did You Hear?

“Do something you really like, and hopefully it pays the rent. As far as I'm concerned, that's success.”

Tom Petty (American Musician)

Educate Yourself

Tips for 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. On the other hand, renting doesn’t allow you to build equity or make a place truly your own. In the end, the property belongs and will belong to someone else.

While we obviously want to make our time living in a rental property as comfortable as possible, and to take care of our surroundings, there are ways to reduce the total we’re paying for property we’ll never own. Here are a few easy tips for frugal living that will help you save on your rent.

Explained in 3 easy steps

How all of
this works?

It all starts with a simple loan request that takes a few minutes to complete.

We provide that information, at your request, to participating members who might be able to able to assist you with your financial needs. Many lenders transfer funds to your checking account as soon as the next business day.


Step 1

Start Loan Shopping

Tell us things like who you are and how much money you need.It only takes minutes.

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Step 2

Find Lender

The Loanry® Store may help you find a lender interested in your loan request.

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Step 3

Check out

Funds are deposited directly to your bank account as soon as the next business day.

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Reasons for Rent Loans

It's not a permanent solution, but sometimes a rent loan can be just what you need. And when it is, we can help.

Rent Payment Loan

If you don’t pay your rent, your landlord may evict you, making a bad situation worse. An eviction on your record may also make it harder for you to find housing in the future. An emergency eviction loan may help you keep your home when are dealing with a financial hard time.

Security Deposit Loan

Security deposits may be as high as one month’s rent or more. You may be short of cash after paying for all the expenses of moving. If so, a rent loan may help you get the funds to pay your security deposit on your new place until you get your old security deposit back from your previous landlord.

Association Fees Loans

Just as it’s important for renters to stay current on their rent payments, it’s also important for condo owners to stay current on their homeowners’ association fees. If a short-term crisis has left you short of cash, a personal loan may help you pay your fees on time.

Rent to Own Payment Loans

Rent-to-own arrangements offer a way for people to buy a home when they don’t have enough money for a down payment or if they have bad credit. Even a rent-to-own plan, however, requires a fee upfront, and rent payments will be higher than usual. If you need some financial help, consider a personal rent loan.

Rental Emergency Repairs

Home emergency repairs happen all the time. Perhaps you have to replace an appliance, a window or sometime more serious. Renters sometimes have to cover the cost even if they don’t own the property. An emergency rent loan is one option for renters needing help paying for home repairs.

Business Rent Loans

Rental loans can serve business purposes too. Perhaps your space is key to keeping your business going and you need help paying rent that month. A loan for rent may help you keep your payments current. Business as usual may require taking out a personal loan to bridge the month. Rent is a key expense for many businesses.

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Find answers to some of the most commonly asked questions here

We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


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  • The selection of a third-party purchaser to acquire your information may be determined by a comparison of your registration information with available loan products. Lenders consider a number of factors when assessing your request.

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  • In the State of California, Loanry, LLC is licensed by the Department of Business Oversight pursuant to the California Finance Lenders Law. Loanry’s California license #60DBO 66864 can be viewed by clicking the image on the left.

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