What to Do If You Can’t Pay Your Rent
Last updated: 3 August 2025
Step 1: Don’t Ignore the Problem
If you miss a rent payment, it’s important to act quickly. Ignoring the issue could lead to eviction proceedings or damage your rental history. Contact your landlord or letting agent as soon as you realise you might not be able to pay.
Step 2: Talk to Your Landlord
Many landlords would rather work with tenants to arrange a repayment plan than go through the hassle of eviction. Explain your situation honestly and ask if they’ll agree to:
- Delay or reduce your payment temporarily
- Accept smaller instalments until you catch up
- Waive late fees (if applicable)
Step 3: Check If You’re Eligible for Housing Support
If you’re on a low income or receiving benefits, you may qualify for help with your rent. This could include:
- Universal Credit housing element
- Housing Benefit (if you’re over State Pension age or in supported housing)
- Discretionary Housing Payments (DHP) from your local council
Step 4: Look Into Emergency Assistance
If you're in crisis, your council may offer emergency grants or short-term help through their Local Welfare Assistance scheme. Some charities also provide rent grants or food and utility support.
Step 5: Get Debt or Housing Advice
Speaking to a debt or housing adviser can help you explore your options and avoid eviction. Advice is free and confidential. You may get help with budgeting, benefit applications, or negotiating with your landlord.
What If You’re Already in Arrears?
If you’ve already fallen behind, don’t panic. Landlords must follow a legal process to evict you, and they often need a court order. Paying something — even a token amount — can show goodwill and may delay eviction proceedings.