Eviction can be stressful, and often impacts your financial situation in more ways than you might think. The good news is that there are options out there that could make it easy to get emergency cash to avoid eviction. If you are close to getting evicted or even simply missed a rent payment, don’t panic! Below you will find more information on the different resources available–from assistance programs to emergency loan options for those who are facing eviction.
Assistance Programs for Emergency Cash to Avoid Eviction
When you are having trouble paying your rent, there are non-profits and government assistance programs out there that may be able to help. Here are a few examples:
Temporary Assistance for Needy Families (TANF)
TANF is a federal program that can help needy / low-income families pay for all kinds of essentials, including help with rent, or help with mortgage payments.
The U.S Department of Housing and Urban Development (HUD)
HUD has several programs that can help when facing eviction.
LIHEAP
This program can help people pay for their utility bills. The Low Income Home Energy Assistance Program (LIHEAP) helps keep families safe and healthy through initiatives that assist families with energy costs.
Eviction Moratoriums
These can help extend the eviction process, giving you more time to find resources. Keep in mind this may mean back rent.
State and Local Rental Assistance Programs
Most states have rental assistance programs that can help you make rent payments. Your local social service office or local government agencies may be able to help connect you, or you can search for them online on your own.
Habitat for Humanity
A non-profit organization, they can help low-income families find affordable housing and provide other resources.
The United Way
United Way is a nationwide organization focused on helping people build healthier, more stable lives. Through its local chapters, it offers support with basic needs, financial assistance, education programs, and community resources. Their mission is simple: to make sure every person, in every community, has access to the support they need to live well and move forward.
The Salvation Army
The Salvation Army is one of the largest non-profit organizations in the country, offering practical help to individuals and families during difficult times. Along with assistance for moving, they may also provide rental support for those facing the risk of homelessness. Many locations also offer emergency shelter, case management, and long-term resources to help people get back on their feet.
USDA Rural Development
USDA Rural Development provides federal programs designed to help people living in rural areas overcome housing challenges. Depending on your situation, they may offer grants, loans, rental assistance, or help with home repairs. If you live in a rural community and are struggling with housing, reaching out to your local USDA office is a great place to start.
Eviction Prevention Programs (EPP)
Eviction Prevention Programs are federally funded and supported by state and local agencies, charities, and community groups. These programs aim to keep renters in their homes by offering help with past-due rent, utilities, legal support, and other housing-related needs. EPP exists to prevent homelessness and provide stability for individuals and families during tough financial moments.
Loans for Emergency Cash to Avoid Eviction
Another option to consider for emergency cash are loan options. Below are some loan types to look into:
- Personal Loans— As one of the most common loans out there, personal loans can be used for all kinds of expenses. The interest rates and repayment terms can vary. In general, you’ll need to have a good credit score to be eligible. Look to banks, credit unions, or private lenders to find a personal loan.
- Credit Cards — Do you already have a credit card? Credit cards can be used for a variety of different expenses, and you can take out a credit card cash advance to access a portion of your credit line. However, you need to have available credit in order to get an advance, and there is likely a higher interest rate associated with the advance.
- Payday Loans —Payday loans are secured with the borrower’s next paycheck. That means you can borrow from a lender, and they will automatically take out money from your bank account to repay the loan the next time you get paid. Or, you can write the direct payday loan lender a post-dated check in some cases. In general, these short-term loans work for those who are looking to borrow a relatively small amount of funds, and for those who have less than perfect credit.
- Title Loans— Title loans are secured by the title to the borrower’s vehicle. The lending process for these loans is extremely simple, and in-turn funding could be made available on the same day in some cases. With title loans, it is important to look at several lenders before making a decision.5
When looking for title loans, start with the experts at Max Cash® Title Loans. We are the #1 nationwide online title loan marketplace. All of the lenders that we work with offer competitive interest rates and flexibility.4 And once approved for the funds, funds can be made available in as little as 24 hours, so you can make those rental payments as soon as possible.1 2
Getting started with applying is easy too. Below you will find more information on that process.
What is Necessary to Apply for an Auto Title Loan for Emergency Cash to Avoid Eviction?
To apply for an auto title loan, you will need to provide us at Max Cash Title Loans with some basic information about you and your vehicle to help us determine if you look like a good candidate for an auto title loan.
Some lenders may ask for additional information while you are in the loan process. Here are the basics:
- Government-issued photo ID (such as your driver’s license)
- Social Security card (also a document that has both your name and Social Security Number / ITIN will do)
- Proof of income (such as a pay stub)
- Proof of residence
- 3 references (personal and/or professional)
- Free and Clean vehicle title
- Pictures of your vehicle (include all 4 sides, odometer, and VIN)
- Vehicle insurance
What Will the Process Look Like when Working with Us?
No matter what kinds of emergency rental expenses may come up, our team is ready to help connect you with fast cash if you are qualified.2 5
Here is what the process will look like when working with our team and network of title loan lenders:
• Apply—the first step is going to be to reach out to us! You can head to our website to fill out an online inquiry, or give us a call, our phone number is 855-561-5626.
• Discuss Details—once you submit an inquiry, a loan agent will reach out to you. Then you’ll discuss details and can ask any questions that you may have.
• Learn About Eligibility—after a lender is found, move forward and apply with them, they’ll then let you know whether or not you are eligible.
• If Approved, Get the Emergency Funds—If you are approved for the title loan, you could have the funds in as little as 24 hours!1 2 Receive them via check, direct deposit, or pick them up at any local MoneyGram in some cases!1 2
And so, as you can see the process is extremely simple!
Apply for the emergency assistance you need!
Tips for Eviction Prevention
There are many ways that eviction can be prevented, here are a few things to consider after getting back on your feet:
- Building a solid savings account (at least 3 month’s rent)
- Being open and honest with your landlord
- Budgeting monthly expenses to avoid overspending.
- Finally, relocating based on your income level.
Other options to prevent eviction when you are struggling financially include the following:
1. Communicate with your landlord early.
If you know you’re going to have trouble paying rent, reach out as soon as possible. Most landlords prefer working out a solution rather than going through the eviction process.
2. Ask about payment plans.
Many landlords are willing to accept partial payments or create a temporary payment plan. Putting the agreement in writing helps protect both sides.
3. Know your rights.
Every state has different eviction laws. Understanding your rights—like required notice periods or what your landlord can legally do—can give you more time and options.
4. Apply for rental assistance.
Local charities, nonprofits, and government programs often offer help with rent, utilities, or emergency housing costs. Apply as early as possible—funding can run out quickly.
5. Keep records of everything.
Save texts, emails, payment receipts, and notices. Good documentation can help you if there’s a dispute or if you need legal support.
6. Look into legal aid services.
If you’re facing an eviction notice, free or low-cost legal aid organizations can help explain your options, negotiate with your landlord, or represent you in court.
7. Consider taking in a roommate (if allowed).
Bringing in a roommate or subtenant—when permitted by your lease—can help reduce costs and stabilize your budget.
8. Cut unnecessary expenses temporarily.
Even short-term adjustments to your budget can help you catch up on rent and avoid falling further behind.
9. Prioritize rent over other non-essential bills.
While every bill matters, staying housed is critical. Focus on rent first, then work down your list of expenses.
10. Don’t ignore notices.
Eviction timelines move quickly. Responding promptly to notices, court dates, or landlord communication gives you a better chance of preventing the eviction.
Do you need help with rent payments? Is a title loan an option you’re thinking about? Call us today to learn more!