I Need To Pay My Rent And I Have No Money!

- by Sarah Connelly

Your rent is due, but you do not have the money to cover it, what can you do? Is there any financial help available? Find out now with Cashfloat.

Need Help With Paying Your Rent? Find Out What You Can Get Now! - Cashfloat Need Help With Paying Your Rent? Find Out What You Can Get Now! - Cashfloat

There seems to be a universal rule when you can’t pay your rent on time: Avoid the landlord until you can come up with the money. The problem is, dodging the owner can get uncomfortable and annoying. It can mean that you are scared to leave your house, just in case you meet them!

What Should I Do If I Can’t Pay My Rent?

If you are struggling with paying your rent, there are a few ways you can deal with it:

Government help with paying rent

You can apply for housing benefits if you are unemployed, on a low income, or claiming benefits. If you receive Universal Credit payments, then that will already include housing benefits.

Discretionary Housing Payments (DHPs) is extra help you can get from the council to meet your housing costs. Your council will look at your circumstances and decide how much you can get and for how you can get the payment. To get Discretionary Housing Payment, you need to be claiming housing benefit or universal credit.

Covid alert rent - Cashfloat

The Coronavirus Act 2020 protects tenants by delaying the time that landlords can start the proceedings to evict tenants. Since the 29th August 2020, landlords must give their tenants a minimum of 6 months notice before starting possession proceedings.

What does this mean for you?

If your finances have been affected by the pandemic; for example, you have lost your job and are struggling to pay your rent, then you should be covered by the Coronavirus Act 2020. You should still speak to your landlord at the earliest opportunity and find a reasonable way to go forward.

Charities that can help with paying rent

There are local and national charities that offer grants to people in certain situations. Each grant’s criteria will be different, and the funds given will be specific to each applicant and background. These are grants which you won’t need to pay back. On the TURN2US website, you can make a search for grants which may be available to you. When putting your information into the tool, try to add more details, like health and occupation. This will make more grant options come up.

Ask family and friends to help out

In most instances, asking family and friends for monetary help is not a good idea. However, you might have that kind friend who will gladly help out. If you get financial help from family or friends, then make sure to write a formal agreement. Include in the contract the dates when the loan will be paid back by.

Lending to a friend or family member can be good or bad. - Cashfloat Lending to a friend or family member can be good or bad. - Cashfloat

Get a short term emergency loan

Short term loans were designed to help people overcome a temporary financial fall. Yes, they can be costly, but only if you do not pay them back on time. A good use for a quick loan online can be if you are late on your rent and your landlord is indifferent to your circumstances. If you cannot get help from friends or family and your savings are inaccessible or exhausted, a fast short term loan can be just the thing you need.

With a Cashfloat dynamic payday loan, you can pay off the loan as early as you want at any time. This affords you a whole new level of flexibility and can save you money on interest. With our Easy-Start feature, your first payment is a reduced payment. On top of this, we have also added an extra interest-free month to give you more time to repay your loan.



It’s painful not being able to pay your rent. The stress can really trickle into your lifestyle. If you are not eligible for housing benefits, its a good idea to check for grants that may be available to you. Taking a 500 pound loan to help you out with a month or 2 of rent may be a good idea. However, if you are experiencing a long time financial issue payday loans for people on benefits will only add to the problem. Another option you may want to consider in the future is to become a property guardian and get cheap rent. Click here to find out how.

Not being able to pay your rent can be stressful and confusing, but we hope this small guide has helped you organise your options.

Have an emergency, and need money quickly? Apply now with CashfloatHave an emergency, and need money quickly? Apply now with Cashfloat
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About The Author
Sarah Connelly
Sarah is a dynamic writer and blogger with a keen interest in digital marketing. After completing her degree in Computer Science, Sarah realized her need for a creative outlet, leading her to blend her technical skills with content creation at Cashfloat.
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Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk