Loans for rent and bills
$100 to $5,000
One short request to lenders in our network. Free to ask. We are not a lender.
- Range
- $100 to $5,000
- Timing
- Next business dayat the soonest, if approved
- Fee
- Freeto request
Sent over an encrypted connection. Not a lender. No obligation to accept an offer.
Rent lands on the first. Heat lands on the tenth. Payday lands wherever it lands.
A small stack of plain facts
Nothing wobbles if you take your time. Asking costs nothing, and the decision stays with you.
- Not a lender
- Free to ask
- No obligationRead any offer, then decide
- All credit types consideredEach lender has its own rules
- One encrypted form$100 to $5,000, one short request
Asked at every point in the month
Can I get a loan for rent?
Yes, many people ask for one. SaveKarma passes your request for $100 to $5,000 to lenders in our network, and each lender decides for itself. An offer is not promised. If your landlord will take a payment plan, that usually costs less, so ask first.
How can I get emergency money for rent?
Start with your landlord, then call 211, which points you to local rent help where it exists. If those fall short, a short request here reaches lenders in our network. Funds can arrive as soon as the next business day, if approved.
How do I get a loan for rent with bad credit?
All credit types are considered, though each lender has its own rules and approval is not promised. You fill one short form, lenders in our network look at it, and you read any offer before you agree to anything. Expect a higher rate with lower credit.
How soon could the money arrive?
Funds can arrive as soon as the next business day, if approved. Timing is up to each lender and your bank, and a Friday request may not settle until after the weekend. If rent is due sooner than that, tell your landlord now rather than on the day.
What does a loan like this cost?
Each lender sets its own rates and fees, and APRs on short term loans vary by lender and state and may exceed 200%. Read the total you repay in the offer before you accept. If the total does not fit next month, you can walk away at no cost.
Will asking affect my credit score?
Checking your options won't affect your credit score. If you go ahead with a lender, that lender may verify your information and obtain consumer reports, which can involve a credit check. The full wording sits in the disclosures at the foot of this page.
Who can help with paying bills?
Utility companies, local charities, churches and government programs can all help, depending on where you live. Call 211 first because it knows what is open near you. For heating and power, ask your state about the federal LIHEAP program. Your utility may also offer a hardship plan.
Can 211 help with bills?
Yes, 211 connects people to local help with housing and utility bills, though it does not pay bills itself. Call 211 from most phones and describe the bill. What is on offer depends on your area and on the funds your local agencies hold that month.
Four stops, then you decide
It works the same in any week of the month.
- 1
Name the figure you need
Whatever the rent or the bill calls for, from $100 to $5,000.
- 2
Fill one short form
The basics, sent over an encrypted connection.
- 3
Lenders in our network look at it
We pass it on. We are not a lender, and each one decides for itself.
- 4
Read any offer, then choose
Rate, fees and due dates come from the lender. You can say no.
Cold months add lines to the budget
The heating bill climbs, the car needs more, and rent stays the same. If your month is running short, you can ask without promising anything.
This is an expensive way to borrow, so try these first
- Talk to your landlord
A payment plan agreed before the due date usually costs less than any loan.
- Call 211
It points you to local help with rent and utility bills. 211.org
- Ask about heating help
LIHEAP is a federal program for home energy costs, run through your state. Read about LIHEAP
- Try your own bank or credit union
Ask whether they offer a small loan. Then compare it with anything you see here.
APRs on short term loans vary by lender and state and may exceed 200%. Read the total you repay before you accept.
The month keeps turning. Your request takes one short form
$100 to $5,000. Free to ask. Not a lender.