NEW YORK, NY / ACCESS Newswire / August 7, 2025 / Losing a job can be scary - especially when rent is due. Rent is usually the biggest monthly expense, and not having money in the bank can create a lot of stress.

But even if you're out of work, there are still steps you can take to stay on track. One option some people explore is rent loans, but it's important to look at all options available to you, too. From talking to your landlord to finding emergency help, knowing where to turn can make a big difference.

Whether you're waiting on unemployment benefits or just need a little extra time to get back on your feet, there are resources and ideas that can help you avoid falling behind. Here are eight strategies you can use to pay rent while you're unemployed:

1. Use your emergency savings

If you've built up an emergency fund, now is the time to use it. Emergency savings are meant for tough times like these. Even a few hundred dollars can go a long way toward covering part of your rent.

Make sure you keep track of what you're spending so you don't run out of funds too quickly.

2. Apply for unemployment benefits

Unemployment benefits can replace some of your income. To qualify for benefits, many states require that you earn a minimum amount within the last 12-24 months, worked consistently for the last 12-24 months and are actively looking for a new job.

The process may take a little time, but once approved, the money could help you keep up with your rent.

3. Talk to your landlord

Let your landlord know what's going on before you miss a payment. Some landlords would rather work with you than go through the trouble of eviction or finding a new tenant.

You may be able to set up a payment plan, delay your due date or avoid late fees for a short time.

4. Get help from family or friends

It can feel uncomfortable, but asking for help from loved ones is nothing to be ashamed of. Many people have gone through hard times and may be willing to help if they have the means.

You might offer to repay them later or help out in other ways - like babysitting, driving them to appointments or helping around the house.

5. Look into rental assistance programs

Some local and state-level government programs and non-profit organizations offer help with rent or other bills to qualifying renters who are in need of assistance. Non-profits like 211 may also offer emergency rental help.

6. Sell items you don't need

If you have items you no longer use - like electronics, furniture or clothes - consider selling them. Sites like Facebook Marketplace or eBay can help you advertise items for sale. The money you make might be enough to cover part of your rent or buy you more time to find a job.

7. Use rent loans carefully

A rent loan is a type of personal loan that some people use when they need help paying rent. You borrow money and typically pay it back in equal payments each month. Each payment goes toward the amount you borrowed (it's called principal) and the extra cost the lender charges for borrowing (this is called interest).

If you go this route, shop around for the best terms and only borrow the amount you truly need. Personal loans for rent can help in some cases, but it's important to make sure you can afford the payments.

8. Budget for your new situation

When money is tight, making a new budget is key. Write down all your monthly bills and income, even if it's just from unemployment or small jobs. See where you can cut back - like eating at home, pausing subscriptions or using public transportation.

Strategizing can help you make ends meet when unemployed

Being unemployed is tough, but there are ways to keep your housing stable while you figure things out. Take things one day at a time and remember - you're not in it alone.

Celebrate small wins, like sending in a job application or cutting back on spending. With patience and support, you'll find your way forward.

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SOURCE: OneMain Financial