Personal Loans for Utility Bills
Utility disconnection notices don’t care about your credit history. When you’re facing shut-off threats for electricity, water, or gas due to unexpected expenses, get the financial assistance you need to keep essential services running.
Loan amounts from $250-$3000
Cover any utility expense
Applications open 24/7
No upfront fees or costs
Representative Example: $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR for qualified customers2. Loan term lengths from 3 to 36 months for qualified consumers.
Why Choose Yup Loans for Utility Loans
Fast Application Process
Complete one simple application in about 3 minutes¹ and connect with a lender who understands that getting help with power bills can’t wait. Our streamlined process for online loans means you can get assistance with overdue balances without spending hours filling out complicated forms during an already stressful time.
Quick Access to Funding
Utility companies don’t give much warning before disconnection. Once approved, you could receive money to cover your bills as soon as the next business day*, helping you avoid service interruptions when you need to pay your electric bill.
Best Financing for Poor Credit
Past financial setbacks shouldn’t leave you in the dark. Our network includes providers who specialize in urgent funding and understand that everyone faces temporary hardships, regardless of credit history³.
How Loans for Utility Bills Work
These personal loans are designed to help individuals and families when they’re facing financial difficulties. Unlike company payment plans that need deposits or reconnection fees, these loans give you immediate funds to catch up on overdue balances and prevent shut-offs.
The entire process is digital and secure for your peace of mind. After submitting your application through our protected platform, you’ll receive offers directly from financing specialists with clear terms showing interest rates, payment schedules, and total costs. You’re never pressured to accept an offer that doesn’t work for your budget.
Once you accept the terms, funds are deposited directly into your bank account as soon as the next business day*. You can immediately settle your account with the service provider to stop disconnection.
You’ll repay this installment loan through fixed monthly payments over your chosen term, making it easier to budget for both your utility costs and daily expenses. This structure gives you stability and prevents the cycle of falling behind again while you get back on your feet⁴.
Get an Emergency Loan for Bills in 3 Simple Steps
1
Quick Application
Complete our secure online application in minutes with your basic information and the amount you need for service assistance.
2
Review Your Funding Options
Check the loan terms from our matched providers and choose the best solution to keep your services connected.
3
Receive Your Funds
Once approved, money for your monthly bills can be deposited directly into your account as soon as the next business day*.
You Can Use Utility Loans For…
Keeping essential services running shouldn’t be a luxury. Whether you need to pay utility bills or cover energy bills, our network of providers offers financing that can address various financial needs for virtually any household service cost, including:
- Power charges and past-due balances
- Natural gas bills and heating costs
- Water and sewer service charges
- Internet bills and phone service fees
- Trash collection and waste management
- Home energy expenses and HVAC costs
- Security deposit requirements for new service
- Reconnection fees after disconnection
- Propane and heating oil deliveries
- Solar panel lease payments
- HOA fees and assessments
- Late payment penalties and interest charges
- Multiple energy expenses in one payment
Reviews
Jennifer T., Phoenix, AZ⁵: “Arizona summers are so brutal, and when I lost my job my power costs skyrocketed from running the AC. The company sent a disconnect notice giving me 48 hours to come up with $780. With bad credit from a previous bankruptcy, I didn’t think anyone would help me. Yup Loans connected me with a provider who understood my situation, and I had the funds the next day. My kids didn’t suffer through 115-degree heat, and I’m managing the monthly payments just fine now that I’m back to work.”
Marcus B., Minneapolis, MN⁵: “My gas got shut off in January during a cold snap because I’d been struggling to pay after some emergency medical expenses. The gas company wanted the past-due amount plus a $200 reconnection fee and a $300 deposit – over $900 total. Traditional financing companies laughed at my credit history, but Yup Loans found me a provider within hours. I had my heat back on in two days. The fixed monthly payment is way easier to handle than choosing between heat and groceries every month.”
Frequently Asked Questions About Loans for Utility Bills
Can I get a loan for rent & utilities with less-than-perfect credit?
You can qualify for personal loans even with a low credit score³. Providers in our network understand that financial hardships often lead to both credit problems and payment struggles, so they evaluate applications based on your current income and ability to repay, rather than focusing exclusively on past credit issues. Many people with collections, late payments, or poor credit history successfully get emergency funding through our service³.
Does applying for a loan to cover bills require a credit check?
Most providers will perform some type of credit check during the application process, but many use alternative verification methods that look at factors beyond traditional credit scores. Some will perform a soft credit inquiry that doesn’t impact your rating during the initial review. The type of credit check varies by provider, but our network includes options for borrowers across the credit spectrum³.
How do I know if a utility loan is right for my situation?
This type of financing makes sense when you’re facing immediate disconnection and don’t have other resources available. If you have a temporary income gap but expect steady income going forward, manageable monthly payments can help you avoid disconnection fees, reconnection charges, and the difficulty of living without utilities, phone and internet.
What are the pros and cons of a loan for service costs?
The main advantage is avoiding disconnection and the associated late fees, which can cost hundreds in reconnection charges and deposits. You get immediate funds with a fixed loan payment that’s easier to budget than large lump-sum expenses. The downside is that you’ll pay interest on the borrowed amount, and the loan will appear on your credit report. Missing payments could make your financial situation worse, so it’s important to borrow only what you can afford to repay.
What happens if I can’t repay my loan?
Missing payments will negatively impact your credit report and could result in additional fees or collection activities from the provider4. However, if you’re struggling to make payments, contact your provider immediately. A lot offer hardship programs or repayment changes if you tell them before missing payments. It’s always better to address payment difficulties proactively rather than letting the situation get any worse.
Get Help Paying Your Service Costs Today
Don’t let disconnection notices become reality. Your family’s comfort and safety depend on keeping essential services running. Our simple application takes just minutes to complete¹, and you could have the financial assistance you need faster than waiting on hold with the company.