Best Emergency Loans for Rent

Andrew Reyes
A closeup of a person's hands counting money.

Unexpected expenses or loss of income can affect your ability to pay your bills on time, especially if you are already on a tight budget. Being unable to make your monthly rent payment when it is due could lead to accumulating late fees, a lower credit rating, and, eventually, eviction from the property.

There is help available to get your rent money quickly in the form of emergency personal loans. Once you apply, the lender can process and deliver the loan within a business day or two. If you use personal loans to pay rent, it will keep your landlord satisfied and your lease in good standing.  

Table of Contents

Loans to Pay Rent

If you need a loan to pay rent, these lenders offer good rates and terms.

The process for accessing a small personal loan to help cover your rent is fast and easy at A personal loan for as little as $500 can be approved in minutes and automatically deposited into your account as quickly as one business day.

Experienced industry professionals at find the right partner for you through an impressive network of lenders. does not charge a fee to submit a loan request. They will work with you to find a lender that offers the best deal for your personal and financial circumstances. If you qualify, you can get a discreet loan processed quickly with a lender in just a few minutes.

  • Loan amounts: $500 to $10,000;
  • Annual percentage rate (APR): 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

Learn more about CashUSA today. provides a free service that helps you acquire a secure emergency loan to help cover rent. While not a lender, gives you access to lending partners and the information you need to make the best decision for you and your financial situation. uses advanced encryption technology to keep your information and financial data safe. Apply for a personal loan any time of the day or night with a user-friendly online application process.

Lending partners will then determine what type of loan you are offered. will not disqualify you for a personal loan based solely on a low credit score. Your income and the current financial circumstance also impact the kinds of lenders that will submit a loan offer.

  • Loan amounts: $500 to $10,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: 24 to 60 months.

Learn more about today.


One way to free up funds to pay the rent quickly is through consolidating credit card debt with a personal loan through Payoff. While they offer loans for no other purposes, their credit card debt consolidation loans come with competitive terms.

A personal loan through Payoff can be secured for up to $40,000 with APRs starting at 5.99% if you qualify.

Payoff works with five respected lenders to help acquire credit card loans for people with credit scores at or above 640. Depending on your credit rating and the amount being borrowed, you could be assessed a one-time origination fee of up to 5% of the loan amount.

  • Loan amounts: $5,000 to $40,000;
  • APR: 5.99% to 24.99%;
  • Loan terms: 24 to 60 months.

Learn more about Payoff today.


A Fair credit score is typically enough to qualify for a next-day loan of anywhere from $2,000 to $40,000 from Prosper. The minimum credit score of 640 is around 20 points lower than traditional lenders. Prosper offers a wide range of loan amounts you can use for an emergency loan to cover rent payments.

With APRs ranging from a reasonable 7.95% for people with great credit to 35.99% for those with credit problems, Prosper is best suited for those with a long history of good credit. Prosper also charges an origination fee that can range from 2.41% to 5% of the loan amount.

  • Loan amounts: $2,000 to $40,000;
  • APR: 7.95% to 35.99%;
  • Loan terms: Three to five years.


If you have bad credit and need immediate funds to cover a rent payment, OppLoans offers unsecured installment loans quickly. All you need is a Social Security number, a job or incoming benefits with a gross monthly income of $1,500, a bank account, and to live in one of the 37 states OppLoans operates.

A hard credit inquiry is not performed as part of OppLoans’ application process, and it takes just one to two business days to receive money after approval. OppLoans has refinancing options available after consistent on-time payments, and you may be able to secure a larger loan or extend the term of your loan.

  • Loan amounts: $500 to $4,000;
  • APR: 59% to 160%;
  • Loan terms: Up to 18 months.

Learn more about OppLoans today.

OneMain Financial

A fast, easy online loan process at OneMain Financial allows you to connect with a professional loan specialist to help you secure a loan as low as $1,500 for rent emergencies. OneMain Financial offers secure and unsecured personal loans with terms that run from 24 to 60 months.

Loans of up to $20,000 can be approved and processed the day you apply, with the money deposited in your account within five business days. Emergency rent loan payments to OneMain Financial are fixed throughout the life of the loan and will never increase.

At OneMain Financial, you can use your car as collateral or add a co-applicant to increase the chances of a lower rate with more flexible terms.

  • Loan amounts: $1,500 to $20,000;
  • APR: 18 % to 35.99%;
  • Loan terms: 24, 36, 48 or 60 months.


A personal loan from Avant is ideal if you run out of time and money and the rent is due. You can check your eligibility for an emergency rent loan online in just minutes without it affecting your credit score. Borrow as little as $2,000 and as much as $35,000 with financing as low as 9.95% APR.

You may be able to qualify for a loan through Avant with a credit score as low as 600. An additional administration fee can run as high as 4.75% on the loan amount, terms, and credit rating. Avant loans typically arrive within one to three business days after approval.

  • Loan amounts: $2,000 to $35,000;
  • APR: 9.95% to 35.99%;
  • Loan terms: 24 to 60 months.


Upstart is a peer-to-peer lending platform that allows people with Fair credit or better to borrow $50,000 without an early payoff fee. If you are new to credit and need an emergency loan for rent, Upstart can fund most loans in just one business day.

If you have a FICO credit score of at least 600 and a steady income, you are likely to be eligible for a loan that will be funded the business day after the application goes through the system.

Instead of credit rating and payment history, Upstart lenders use a data point system based on alternative criteria like employment history and higher education background to determine your loan risk.

  • Loan amounts: $1,000 to $50,000;
  • APR: 7.86% to 35.99%;
  • Loan terms: 36 to 60 months. is a valuable online loan marketplace if you need a fast loan of at least $1,000. You will need a credit score of at least 600 and a regular income of at least $2,000 to qualify and get the best personal loan interest rates.

If you meet a specific set of criteria, you can submit a request for a loan offer by filling out an easy-to-navigate online loan application form.

A diverse network of lenders reviews your submitted information and determines whether they will make you an offer for a personal loan for rent payments or any other purpose.

  • Loan amounts: $500 to $35,000;
  • APR: 5.99% to 35.99%;
  • Loan terms:Three to 72 months.

Learn more about today.

What Is a Rent Loan?

While lenders of personal loans will typically want to know what their funds are being used for, there are no loans specifically designed to provide emergency assistance to pay rent.

Even though you’re using the loan to make rent payments, the application, processing, and repayment steps are the same as they would be for any other personal loan. Your rent-payment purposes do not impact personal loan rates and terms.

How Do I Get a Loan for Rent?

The process you’ll undertake when getting an emergency loan to help make a rent payment is the same as it would be for a personal loan for any other purpose or application. Taking the following steps will help you apply and get approved for a loan quickly:

  • Select an online personal loan service: One of the companies listed above can provide you with a wide range of personal loan options that suit your needs and financial status.
  • Fill out their form: Most online loan application forms request basic personal, professional, and financial information to help determine rates and terms.
  • Connect with a lender: Work with a lender to negotiate a loan that works best for both of you.
  • Receive your funds: Most lenders providing emergency rent or other fast loan purposes can have money deposited in your account within 24 hours or a few business days.

Advances in communication and computer technology make applying for and processing a personal loan easier and faster than ever before. If you are taking out an emergency loan to get the rent paid, make sure you have the means and a plan to honor the repayment schedule or you risk suffering long-term financial consequences.

How to Find the Best Rent Loans Lenders?

If you need an emergency loan to pay the rent, it is essential to find a lending partner that offers a fast process without delays or additional fees. Your credit rating will help determine the kind of lender that will approve your application.

With the above lenders, you have the best chance of being approved for a personal loan with reasonable rates and terms to help you get through a difficult period and remain in good standing with your landlord or property manager.

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