Emergency loans · $200 – $1,500
Rent and utility loans before the late fee hits.
A shut-off notice or a rent shortfall is a small number with a big consequence. Borrow $200 to $1,500, pay the bill today, and clear it next paycheck.
Decision in minutesFunds by next business daySoft credit check
What rent & utilities typically costs
Ballpark ranges in the U.S. — get a written quote before you borrow so you request only what you need.
Electric shut-off reconnect fee$25 – $100
Late rent fee (typical)5% – 10% of rent
Water/sewer past due$80 – $250
Internet reconnect$50 – $100
One month's rent gap$300 – $1,500
Before you borrow
- Call the utility first — most have hardship plans or can delay a shut-off a few days.
- Pay the item with the harshest penalty first (usually rent, then power).
- Borrow the gap, not the whole bill, if you can pay part of it.
- Check local assistance programs (LIHEAP for energy) — they're free money, a loan isn't.
How it works for rent & utilities
One request, lenders licensed in your state, the agreement before you sign.
Request now- RequestAmount, pay date, checking account — 3 minutes
- Soft checkEligibility without touching your score
- AgreementAPR, schedule and total shown; decline free
- FundedNext business day; same day possible
Rent & utilities loan FAQ
Can a lender pay the landlord or utility directly?
No — funds go to your checking account and you pay the bill.
Is a short-term loan the right choice for rent?
For a one-off gap you can clear next paycheck, yes. If rent is short every month, an installment loan buys time but doesn't fix the gap — see our alternatives page.
How fast is funding?
Next business day typically; same day possible before 10 a.m. with many lenders.
Cover the rent & utilities — then get on with your week.
Request $200 – $1,500 with a soft credit check. See the full cost before you decide.
No impact to your score$0 application fee3-minute form256-bit encrypted