<p><strong>纽约市，纽约 /</strong> <strong>ACCESS Newswire</strong> <strong>/2025 年 8 月 9 日/</strong> 当资金紧张，房租到期时，有些人可能会寻找快速解决方案以维持居住。租赁贷款是一种可能在困难时期提供帮助的选择。租赁贷款为借款人提供一笔一次性资金，以支付他们没有足够储蓄的房租。</p>
<p>虽然租赁贷款可能提供快速帮助，但在申请之前，了解其运作方式和预期结果是很重要的。</p>
<p><strong>了解租赁贷款的细节</strong></p>
<p>租赁贷款是一种个人贷款，帮助租户支付住房费用，如果他们的银行账户中没有足够的资金。首先，消费者借入预定金额，然后通常会在设定的时间内通过固定的月供进行偿还。每笔还款包括贷款的两个部分。第一部分是贷款本金，即借入的原始金额；第二部分是利息，即借款的成本。</p>
<p>合格的借款人可以通过不同类型的贷款机构申请租赁贷款，包括在线贷款机构、银行或信用合作社。为了获得批准，借款人通常需要有稳定的收入和良好的信用评分——尽管资格要求因贷款机构而异。</p>
<p>将租赁贷款视为快速解决方案，而非长期解决方案</p>
<p>租赁贷款可能在资金紧张时帮助某人，但并不意味着解决长期的财务问题。租赁贷款是一种临时解决方案，仅应在有明确还款计划时使用。</p>
<p>例如，如果某人正在找工作，并且即将开始新工作，租赁贷款可能有助于填补空白。同样，如果他们在等待延迟的薪水或紧急资金，贷款可能帮助他们保持正常。但如果他们不知道何时会再次有稳定的收入，借款可能会造成更多的伤害而非好处。</p>
<p>如果租户每个月都需要借取租赁贷款才能维持生计，可能是时候寻找其他类型的帮助了。不同类型的财务支持可能包括政府援助，甚至与房东协商付款计划。</p>
<p>注意贷款附加的任何费用</p>
<p>在申请租赁贷款时，利率并不是唯一的成本。可能还有额外费用，使贷款变得更加昂贵。这些费用可能包括：</p>
<ul>
<li>启动费：一些贷款机构会收取一次性费用，用于处理申请和设立贷款。</li>
<li>逾期费用：如果借款人错过付款或延迟付款，可能会被收取逾期费用，如果每月都收取，这可能会累积。</li>
<li>提前还款罚金：一些贷款机构会收取借款人提前还款的费用。</li>
</ul>
<p>所有这些费用都可能增加贷款的总成本。这就是为什么在签署任何贷款协议文件之前，询问问题并考虑所有财务义务是很重要的。</p>
<p><strong>为每月还款做好预算是关键</strong></p>
<p>在签字之前，确保某人能够在规定的还款期限内连本带息地偿还租赁贷款是很重要的。花时间计算所有每月账单，包括食品杂货、水电费、通勤费用和其他常规开支，并弄清楚贷款还款如何适应，这可能会大大帮助某人避免短缺，并担心他们永远无法追赶上。</p>
<p>按时全额支付每月租赁贷款可能会保护借款人的信用评分——但前提是他们的其他账单也保持正常，因为逾期或未付款可能会损害信用评分。</p>
<p>虽然租赁贷款可以在短期内帮助减轻财务压力，但确保承担债务不会在长期内增加压力是很重要的。额外的债务在没有明确计划的情况下可能很难管理。</p>
<p>租户应为自己的情况做出最佳选择</p>
<p>租赁贷款可以在紧急情况下提供帮助，但它们确实有实际成本。在借款之前，重要的是要全面考虑——它的成本是多少，如何偿还，偿还需要多长时间，以及是否有其他选择可用。</p>
<p>通过仔细规划和明智的选择，可能有可能在不加深债务的情况下保持租金的支付。</p>
<p>关于 OneMain Financial</p>
<p>查看网站</p>
<p>OneMain Financial 是为非优质客户提供负责任的信用访问的领导者，致力于改善辛勤工作的美国人的财务福祉。</p>
<p><strong>联系方式</strong>：</p>
<p>Sonakshi Murze</p>
<p>经理</p>
<p>sonakshi.murze@iquanti.com</p>
<p><strong>来源：</strong> OneMain Financial</p>
<p>查看 ACCESS Newswire 上的原始新闻稿</p>

OneMain控股

<p>OneMain Financial 讨论了租金贷款作为那些在支付租金方面遇到困难的人的临时解决方案。这些个人贷款提供一笔款项以覆盖住房费用，但会产生利息和潜在费用等成本。借款人应确保能够在规定期限内偿还贷款，并考虑他们的整体预算。虽然租金贷款可以缓解短期的财务压力，但在没有明确的还款计划的情况下，不应长期依赖。OneMain Financial 强调在申请贷款之前，了解全部费用并探索其他财务支持选项的重要性</p>

<p><strong>NEW YORK CITY, NY /</strong> <strong>ACCESS Newswire</strong> <strong>/ August 9, 2025 /</strong> When money is tight, and rent is due, some people may look for quick solutions to stay in their homes. Rent loans are one option that could help in tough times. A rent loan provides a borrower with a lump sum of money to cover rent when they don't have enough money saved up.</p>
<div class="lb-trans"><p><strong>纽约市，纽约 /</strong> <strong>ACCESS Newswire</strong> <strong>/2025 年 8 月 9 日/</strong> 当资金紧张，房租到期时，有些人可能会寻找快速解决方案以维持居住。租赁贷款是一种可能在困难时期提供帮助的选择。租赁贷款为借款人提供一笔一次性资金，以支付他们没有足够储蓄的房租。</p>
</div><p>While rent loans might offer quick help, it's important to understand how they work and what to expect before applying.</p>
<div class="lb-trans"><p>虽然租赁贷款可能提供快速帮助，但在申请之前，了解其运作方式和预期结果是很重要的。</p>
</div><p><strong>Understand the ins and outs of a rent loan</strong></p>
<div class="lb-trans"><p><strong>了解租赁贷款的细节</strong></p>
</div><p>A rent loan is a type of personal loan that helps a renter pay their housing costs if they don't have enough money in the bank. First, the consumer borrows a predetermined amount of money and will then typically pay it back over a set period of time by making fixed monthly payments. Each payment covers two parts of the loan. First is the loan principal, which is the original amount that's borrowed, and second is interest, which is the cost of borrowing.</p>
<div class="lb-trans"><p>租赁贷款是一种个人贷款，帮助租户支付住房费用，如果他们的银行账户中没有足够的资金。首先，消费者借入预定金额，然后通常会在设定的时间内通过固定的月供进行偿还。每笔还款包括贷款的两个部分。第一部分是贷款本金，即借入的原始金额；第二部分是利息，即借款的成本。</p>
</div><p>Qualified borrowers can apply for rent loans through different types of lenders, including online lenders, banks or credit unions. To get approved, the borrower typically needs a steady income and a favorable credit score - though eligibility requirements vary by lender.</p>
<div class="lb-trans"><p>合格的借款人可以通过不同类型的贷款机构申请租赁贷款，包括在线贷款机构、银行或信用合作社。为了获得批准，借款人通常需要有稳定的收入和良好的信用评分——尽管资格要求因贷款机构而异。</p>
</div><p>Consider a rent loan a quick fix, not a long-term solution</p>
<div class="lb-trans"><p>将租赁贷款视为快速解决方案，而非长期解决方案</p>
</div><p>A rent loan may help someone when money is tight, but it's not meant to solve long-term financial problems. A rent loan is a temporary solution that should only be used when there's a clear plan to repay it.</p>
<div class="lb-trans"><p>租赁贷款可能在资金紧张时帮助某人，但并不意味着解决长期的财务问题。租赁贷款是一种临时解决方案，仅应在有明确还款计划时使用。</p>
</div><p>For example, if someone is between jobs and has new employment starting soon, a rent loan might help bridge the gap. Similarly, if they're waiting on a delayed paycheck or emergency funds, the loan could help them stay on track. But if they don't know when they'll have a steady income again, taking out a loan could cause more harm than good.</p>
<div class="lb-trans"><p>例如，如果某人正在找工作，并且即将开始新工作，租赁贷款可能有助于填补空白。同样，如果他们在等待延迟的薪水或紧急资金，贷款可能帮助他们保持正常。但如果他们不知道何时会再次有稳定的收入，借款可能会造成更多的伤害而非好处。</p>
</div><p>If a renter ends up needing to take out a rent loan every month just to stay afloat, it may be time to look for other types of help. Different types of financial support could include government assistance or even working out a payment plan with their landlord.</p>
<div class="lb-trans"><p>如果租户每个月都需要借取租赁贷款才能维持生计，可能是时候寻找其他类型的帮助了。不同类型的财务支持可能包括政府援助，甚至与房东协商付款计划。</p>
</div><p>Be mindful of any additional fees attached to the loan</p>
<div class="lb-trans"><p>注意贷款附加的任何费用</p>
</div><p>When taking out a rent loan, the interest rate isn't the only cost. There might be extra fees that result in making the loan more expensive. These might include:</p>
<div class="lb-trans"><p>在申请租赁贷款时，利率并不是唯一的成本。可能还有额外费用，使贷款变得更加昂贵。这些费用可能包括：</p>
</div><ul>
<li>Origination fee: Some lenders charge a one-time fee for processing an application and setting up the loan.</li>
<li>Late fees: If the borrower misses a payment or pays late, they might be charged a late fee, which can add up if charged month after month</li>
<li>Prepayment penalties: Some lenders charge a fee if the borrower pays off the loan early.</li>
</ul>
<div class="lb-trans"><ul>
<li>启动费：一些贷款机构会收取一次性费用，用于处理申请和设立贷款。</li>
<li>逾期费用：如果借款人错过付款或延迟付款，可能会被收取逾期费用，如果每月都收取，这可能会累积。</li>
<li>提前还款罚金：一些贷款机构会收取借款人提前还款的费用。</li>
</ul>
</div><p>All these charges can increase the total cost of the loan. That's why it's important to ask questions and consider all the financial obligations before signing any loan agreement documents.</p>
<div class="lb-trans"><p>所有这些费用都可能增加贷款的总成本。这就是为什么在签署任何贷款协议文件之前，询问问题并考虑所有财务义务是很重要的。</p>
</div><p><strong>Budgeting for monthly repayments is key</strong></p>
<div class="lb-trans"><p><strong>为每月还款做好预算是关键</strong></p>
</div><p>It's important for someone to make sure they can repay a rent loan with interest in the given repayment period before they sign on the dotted line. Taking the time to calculate all monthly bills, including groceries, utilities, commuting costs and other regular expenses, and figuring out how a loan repayment fits in, could go a long way to helping someone avoid coming up short and worrying they will never catch up.</p>
<div class="lb-trans"><p>在签字之前，确保某人能够在规定的还款期限内连本带息地偿还租赁贷款是很重要的。花时间计算所有每月账单，包括食品杂货、水电费、通勤费用和其他常规开支，并弄清楚贷款还款如何适应，这可能会大大帮助某人避免短缺，并担心他们永远无法追赶上。</p>
</div><p>Making monthly rent loan payments on time and in full may protect the borrower's credit score - but only as long as their other bills stay current too, because late or missed payments could damage the credit score.</p>
<div class="lb-trans"><p>按时全额支付每月租赁贷款可能会保护借款人的信用评分——但前提是他们的其他账单也保持正常，因为逾期或未付款可能会损害信用评分。</p>
</div><p>While a rent loan can help lower financial stress in the short term, it's important to make sure taking on debt doesn't add stress in the long term. Extra debt can be hard to manage without a clear plan for how it fits into someone's overall budget.</p>
<div class="lb-trans"><p>虽然租赁贷款可以在短期内帮助减轻财务压力，但确保承担债务不会在长期内增加压力是很重要的。额外的债务在没有明确计划的情况下可能很难管理。</p>
</div><p>A renter should make the best choice for their situation</p>
<div class="lb-trans"><p>租户应为自己的情况做出最佳选择</p>
</div><p>Rent loans can help in a tight spot, but they come with real costs. Before taking out a loan, it's important to look at the full picture - how much it will cost, how it will be repaid, how long it will take to be repaid, and whether other options are available.</p>
<div class="lb-trans"><p>租赁贷款可以在紧急情况下提供帮助，但它们确实有实际成本。在借款之前，重要的是要全面考虑——它的成本是多少，如何偿还，偿还需要多长时间，以及是否有其他选择可用。</p>
</div><p>With careful planning and smart choices, it may be possible to stay on top of rent without falling deeper into debt.</p>
<div class="lb-trans"><p>通过仔细规划和明智的选择，可能有可能在不加深债务的情况下保持租金的支付。</p>
</div><p>About OneMain Financial</p>
<div class="lb-trans"><p>关于 OneMain Financial</p>
</div><p>View Website</p>
<div class="lb-trans"><p>查看网站</p>
</div><p>OneMain Financial is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans.</p>
<div class="lb-trans"><p>OneMain Financial 是为非优质客户提供负责任的信用访问的领导者，致力于改善辛勤工作的美国人的财务福祉。</p>
</div><p><strong>CONTACT</strong>:</p>
<div class="lb-trans"><p><strong>联系方式</strong>：</p>
</div><p>Sonakshi Murze</p>
<div class="lb-trans"><p>Sonakshi Murze</p>
</div><p>Manager</p>
<div class="lb-trans"><p>经理</p>
</div><p>sonakshi.murze@iquanti.com</p>
<div class="lb-trans"><p>sonakshi.murze@iquanti.com</p>
</div><p><strong>SOURCE:</strong> OneMain Financial</p>
<div class="lb-trans"><p><strong>来源：</strong> OneMain Financial</p>
</div><p>View the original press release on ACCESS Newswire</p>
<div class="lb-trans"><p>查看 ACCESS Newswire 上的原始新闻稿</p>
</div>

OneMain Financial：在申请租赁贷款之前需要知道哪些事项