How to Get Help With Rent

By Title Loan Adviser • August 3rd, 2012

Getting Help With Rent is Easy

Rent is one of our most essential expenditures, as it quite literally provides a roof over our heads. The inability to pay or make rent can result in eviction or even homelessness, making it most renters’ absolute worst nightmare.

What’s more, the economic downfall of recent years has made making monthly rent payments even more difficult for many Americans. The constant fear of job loss and the rising cost of rent and other living expenses can make paying rent on time a huge challenge.

Fortunately, if you need to raise emergency money for rent, there are a variety of potential solutions. If you ever find yourself in a situation where you can’t get money for rent, consider taking one or more of the following actions:

Take on Additional Work 

Very few of us want to work more than 40 hours a week, but in times of financial struggle, it can become an absolute necessity. If you have a job that allows overtime or additional shifts, volunteer to take on as much extra work as possible. Taking on some extra shifts at work might provide you with the emergency rent assistance help that you need, and all without having to increase your debt to come up with the required funds.

Sell Your Clothes to a Consignment Store

If you own designer clothes, or any clothes in good condition, you should be able to raise some quick cash by selling any unwanted or unneeded clothes to a consignment store. Think about how many outfits you actually need, and get rid of everything but the most necessary items. Most towns have clothes consignments stores, also sometimes known as designer resale stores, some of which actually do offer quite a bit of cash for used clothing. Trading your old clothes for emergency help with rent is a tactic you’re almost virtually guaranteed to never regret. Try taking your clothes down to one to see what they will offer you, as you could easily be surprised at how much your unwanted clothes are actually worth.

Offer to Do Odd Jobs

Offer your services to your neighbors. Perhaps you could babysit, mow someone’s lawn or walk their dogs. Everyone needs a little bit of help around the house from time to time, be it weeding the garden to washing the car, and you’re almost guaranteed to have neighbors who would be more than happy to provide emergency rent money in trade for some manual labor. Charge the going rate and see what kind of business you can drum up. You may not be paid a great deal for your services, but as you’ll most likely be paid cash-in-hand it will be tax free, which could play a major contribution to your rent funds.

Sell Items on eBay or Craigslist

If you have valuable furniture, electronics, jewelry or collectible items that you could see yourself living without, definitely try to sell them online. Don’t get shortchanged by pawn stores or garage sales (where people are only looking for super cheap bargains), but do utilize online marketplace sites like eBay and Craigslist to maximize your returns. Getting help with rent has never been easier, thanks to the millions of potential buyers constantly browsing for all sorts of goods online. Departing with beloved possessions may be difficult, but selling your stuff could easily provide you with enough funds to cover your rent.

Put Non-Rent Expenses on Your Credit Card

You may have enough money to cover your rent if you put all of your other expenses on your credit card. Although this will mean you’ll have some credit card debt after paying the rent, it will also mean you’ll still be in good favors with your landlord and able to remain in your home. If you don’t have a credit card you may want to consider applying for one, since they can be handy in emergency situations. Credit cards are very easy to apply to and be approved for, and they could provide you with an essential financial cushion when it comes time for needing emergency rent help.

Bring in a Roommate

If you have a spare room or some extra living space that could be turned into one, then you should strongly consider getting a roommate to reduce your monthly rent. Splitting rent costs will likely lift a huge financial burden off your shoulders and could even allow you to put some savings away so that when a rent issue arises again, you’ll be covered by the stockpile you’ve accumulated in your savings account. Ask family and friends to see if anyone they know needs to rent a room, or consider posting an advertisement online to search for potential roomies.

Talk to Your Landlord

If you’re currently struggling financially, but you know that your finances will become more stable in the near future, then consider letting your landlord know. He or she might be understanding, and could even be willing to accommodate you by delaying your rent payment due date. However, only choose this option if you’re virtually sure that you’ll be able to pay rent soon, as if you end up not being able to, your landlord will likely feel conned and inclined to evict you.

Ask Friends and Family for Help

If you’re really stuck, you may want to ask your friends and family for some financial help. It’s relatively unlikely that your request for help with rent money would go unfulfilled, unless you’ve broken promises to them in the past. However, be prepared for rejection and don’t let a potential rejection hinder your relationship with your friends and family – as this is ultimately your financial problem, not theirs.

Seek Charity Assistance

There are many charities, like the Salvation Army, which offer emergency assistance for rent. It may seem humiliating having to seek charity help, but if it keeps you from losing your home it’s an option worth exploring. These charities require an application and don’t guarantee financial assistance, but they’re worth applying to since they could potentially help you stay financially afloat.

Scale Back on Your Spending

You may be able to make rent stress free if you can just cut back on your personal spending. Make a list of your monthly expenses and cut out everything that isn’t absolutely essential. You may be able to make huge savings by simply shopping at cheaper food stores or not making unnecessary purchases until you’ve saved enough money to make the month’s rent payment. Simple adjustments can result in huge savings, so make sure that you inspect your receipts and see if there’s anything you can do to reduce your expenses and free up some money for rent.

Take Out a Loan

If all else fails, you might need to resort to taking out a loan. If you have a poor credit score, you will struggle to get approved for a conventional bank loan, but if you have paid off or nearly paid off your vehicle, then it’s likely that you would qualify for a car title loan from Car Capital Financial. Title loans are issued based on your ability to repay the loan.

Taking out a car title loan temporarily trades possession of your vehicle’s pink slip (title) for money that you can use to make the rent, which you will then be required to pay back over time, with interest.

During the course of your loan, however, you’ll still be able to use your car, and as soon as you’ve paid off the loan you will regain possession of its title as well. The only downside to car title loans is that if you miss too many payments, you do stand to lose possession of your vehicle.

Paying Your Rent

Now that you’ve got some ideas, be sure to try as many of the above solutions as you need to come up with your required rent. Not being able to pay rent is a stressful and scary situation to be in, but hopefully these tactics will help you get there.


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