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How to Pay for Rent When You’re Not able to Pay Advertiser disclosure You’re our first priority. Every time. We believe everyone should be able to make financial decisions without hesitation. Although our site doesn’t feature every company or financial product that is available on the market We’re pleased of the advice we provide and the information we offer as well as the tools we design are impartial, independent, straightforward — and completely free. So how do we make money? Our partners pay us. This may influence which products we write about (and the way they appear on our website) However, it in no way affects our recommendations or advice, which are grounded in hundreds of hours of study. Our partners cannot pay us to guarantee favorable review of their services or products. . How to Pay Rent When You Aren’t able to afford it Rent costs have skyrocketed across the United States. Look into low-cost or free aid before you turn to higher-interest avenues. By Melissa Lambarena Lead Writer | Credit cards, credit cards, Melissa Lambarena is a lead writer for the credit card group at NerdWallet. She has been enthusiastically covering the subject of credit cards for more than six years. Her previous experience includes nine years as an author for various websites and publications. Through her work, she aims to help users extract the value of credit cards to meet financial goals like increasing their budget, establishing credit, going to dream destinations and paying off debt. She explores these topics and others in and The Millennial Money column featured in The Associated Press. Her work has also appeared in The New York Times, Chicago Tribune, The Washington Post, USA Today and Yahoo Finance, among others. Melissa holds a bachelor’s degree in sociology from the University of California, Los Angeles. And Tiffany Curtis Lead Writer | Health and wellness Tiffany Lashai Curtis is a lead writer for the financial team of NerdWallet. The writer was previously the health editor for Livestrong.com and a freelance writer for publications such as Refinery29, Business Insider and MTV News, where she focused on problems that affect marginalized communities. In her role as a health facilitator, she’s led health-related discussions for organizations like Planned Parenthood and Harvard University. She is based in Philadelphia. Dec 1, 2022 Edited by Courtney Neidel Assigning Editor | Personal finance budgeting, shopping, and budgeting Courtney Neidel is an assigning editor for the core personal finance department at NerdWallet. She was hired by NerdWallet as a writer in 2014. She worked for over six years contributing to budgeting, shopping and money-saving tips before being promoted to editor. Courtney has been interviewed as a retail authority by “Good Morning America,”” Cheddar and CBSN. Her previous work experiences include writing freelance for California newspapers. Email:

A majority of the items featured on this page are provided by our partners, who pay us. This impacts the types of products we feature as well as the place and way the product is featured on a page. However, this doesn’t affect our assessments. Our opinions are our own. Here’s a list of and . Rent prices are rising. In reality, the median monthly asking rental in the U.S. rose above $2,000 in May that’s a significant leap over pre-pandemic rates, according to a new analysis from Redfin of rental market tracking data dating back to the year 2019. And while it’s a popular recommendation to spend no less than 30percent of total income from rent, it’s not for everyone, as many households are stretched to the limit due to the rising cost of everything. If you’re trying to pay rent, think about some of the following steps to help ease the strain. Explore free options first If you are currently struggling to pay rent The next step would be reevaluate your budget and “find” money where you can. Cut down on things like streaming services that are multiple or dining out — lower 401(k) contributions, reach out to creditors for assistance and seek low-income assistance programs for utilities and food according to Jeffrey Arevalo, a financial health expert at GreenPath, a nonprofit credit counseling firm. Here are some suggestions that cost nothing or close to it: Utilize assistance programs. Making an application for unemployment or other assistance programs may be time-consuming but it’s sure to be worthwhile. Talk to your landlord. Tell them about your situation and request for more time until the payment is received. You can also ask for payment in installments or avoid late fees. The landlord might be willing to help, especially if you have a history of making payments on time. “It’s worth a try,” says Arevalo, who notes he’s worked with clients who’ve been successful with this method. If terms are agreed upon, get them in writing. Make a call to 211. Local nonprofits and religious organizations could provide rental assistance. United Way helps access those services upon . However, be aware that resources may be limited during national emergencies. Ask for help. Family members — or strangers with steady income, for that matter could be willing to assist. In times of need communities can be a literal lifesaver. You might consider joining online communities in your neighborhood or city or looking for mutual aid organizations that provide financial assistance to help with things like housing and food. Change your the way you live. If your lease allows it you to sublet your apartment or a room. Or move in with a friend or loved one and support each other by splitting rent. Moving may come with its own expenses, and if you’re under agreement, you’ll need take into consideration the costs of . Again, talk to your landlord to see the options for negotiation. Get advice. A credit counselor can look over your financial situation for . If you’ve tried to negotiate an arrangement to your landlord rental agency but failed tenants unions in your area can assist you in understanding the rights of tenants. Make use of savings or investments If you have them. Typically, it isn’t advisable to draw money from accounts that are intended for the future however, these aren’t normal times. If an emergency is threatening to evict you — here and today, right now”normal “rules” don’t always apply. If you have a taxable brokerage account, you could think about selling your stocks. If not, your next alternative is to take a cash withdrawal from the 401(k) or individual retirement accounts, suggests Andrew Rosen, a certified financial planner and president of Diversified Financial Planning, a financial planning firm. It’s true that stealing retirement account isn’t the best idea however, you might be able to limit the financial consequences. In an emergency, a loan from the 401(k) (if provided by your employercan help you avoid penalties, taxes and a credit check. Still, think hard before deciding to go this route. If you’re really overwhelmed by debt and the rent is just one of the financial obligations you’re not able to meet, you may be thinking about other options. “Most people don’t know that in general, retirement accounts are safe when you file for bankruptcies,” Rosen says. Select the least expensive high-interest debt You could look to finance a portion of your expenses to help pay for rent, such as opening an interest-free credit card. If you do not have a sufficient income or good credit (typically with a FICO score of at least 690) You may be left with only high-interest options for financing. Think about the following starting from the least expensive to most expensive: Borrow against the credit card you already have to limit. Targeted offers like the and allow you to borrow against your card’s credit limit, with a fixed interest rate and term. The funds are deposited into an account with a bank, without the requirement of a credit check or origination fee. Pay your rent using cards that you can charge. Certain services allow this, but at an amount. , for instance, will allow you to charge rent to your card and will then cut your landlord a check behalf of you, in exchange for an 2.9 per cent processing fee. Consider the potential costs of this cost before committing to this method Be aware that if it isn’t possible to pay it back in full by the end of a period of time, you’ll be charged charges on the rent in whatever . Among your last resorts, think about a cash advance. A can offer quick cash up to the amount of your limit, but you’ll be paying for it in the form of the cost of a high fee as well as an interest rate that starts increasing the moment you take the cash from your bank or ATM. Cash advances could also negatively affect your credit score by increasing your credit utilization, a important element to credit scores. However, it’s an option in the event that you need to, and it’s probably less expensive than turning to a , which may not be an option in the event that you’re no longer receiving a paycheck. >> MORE: About The authors Melissa Lambarena is a credit card writer for NerdWallet. Her work has been featured on The Associated Press, New York Times, Washington Post and USA Today. Tiffany Lashai Curtis is a chief writer on the personal finance team. She has more than five years of experience reporting on the issues that impact marginalized communities. On a similar note… Dive even deeper in Personal Finance Make all the right money moves

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