Moving loans · $200 – $5,000New keys, new deposit,
same paycheck.
Moving is six bills in one month: deposit, first month, truck, movers, utility set-up and the overlap with the old place. Build the budget below, subtract what you have, and borrow only the gap — the deposit you'll get back pays most of it off.
Soft credit check · Fixed monthly payments · No fee to apply
Six bills, one number
Tick what applies and adjust the amounts to your quotes. Nothing is saved or sent.
The move
The number
Representative APR; your offer may be lower or higher. Default amounts are typical for a one-bedroom local move; edit them to your quotes.
Your old deposit is the first payment
Most moving loans are half-repaid by a check you're already owed. Protect it.
- Do a walk-through with photos, datedBefore you hand back the keys. Normal wear can't be deducted; damage can.
- Give your forwarding address in writingIn most states the clock on the landlord's refund doesn't start until you do.
- Know your state's deadlineTypically 14–30 days, with an itemized list of any deductions. Late or missing itemization can forfeit their right to deduct.
- Put the refund straight on the loanNo prepayment penalty. A $1,200 deposit on a $1,330 loan nearly ends it.
Five ways to move for less
- Negotiate the depositAsk for half now, half with the second month — landlords say yes more than you'd think when the application is strong.
- Move mid-week, mid-monthTruck rentals and movers drop 20–40% away from weekends and the 1st.
- Ask the new landlord to waive or prorateProrated first month if you move in on the 20th; application and admin fees are often negotiable.
- Check employer relocation helpEven hourly employers sometimes have a small fund for job-related moves.
- Overlap for days, not a monthLine the leases up to a weekend. The overlap line in the budget is the one most worth fighting.
Asked between two leases
Can I get a moving loan with bad credit?
Yes. No minimum credit score; lenders weigh income and checking-account history. A new lease in hand helps, because it shows the move is real. Bad credit loans
How fast can I have the deposit money?
Sign before the lender's afternoon cutoff and funds usually reach your checking account the next business morning. Most landlords take a cashier's check or transfer; ask what they accept before you apply.
Should I borrow for a long-distance move?
Long-distance moves run $2,000–$6,000 and often come with a job. If an employer offers any relocation help, take it first; then borrow the remainder on the shortest term the new salary can carry.
Can I pay the loan off with my old deposit?
Yes, any time, with no prepayment penalty — and that's the plan. Apply the refund to principal the day it arrives and the remaining payments shrink or disappear.
Get the keys. Pay it back in steps.
Soft check, real offers, funds next business day — and the old deposit as your first big payment.
Checking your rate does not affect your credit score.