Keep your lights on and heat running. Get $500 to $5,000 to cover electric, gas, water, and other essential utility bills.
Falling behind on utility bills can happen to anyone, especially during extreme weather when heating and cooling costs spike, or when unexpected financial setbacks occur. The threat of disconnection adds stress to an already difficult situation. Wise Loan offers personal loans from $500 to $5,000 to help you catch up on utility bills and avoid service interruptions.
Beyond just catching up, our loans can help you get ahead by paying down accumulated balances, covering deposit requirements for new service, or managing seasonal spikes in energy costs. With predictable monthly payments, you can budget for loan repayment while keeping current on ongoing utility bills.
Pay down electricity balances and avoid disconnection notices.
Cover natural gas, propane, or heating oil costs, especially during winter.
Catch up on water, sewer, and trash collection bills.
Maintain essential communication and internet services.
When you're facing a disconnection deadline, time is critical. Our streamlined application process takes just minutes, and approval decisions come quickly. Once approved, funds can be deposited into your account rapidly, giving you the resources to pay outstanding bills before service is interrupted.
Using a personal loan to catch up on utilities can also help you avoid reconnection fees, which can add hundreds of dollars to your costs. By acting quickly with a Wise Loan, you can prevent these additional charges and get back on stable financial footing.
Sometimes utility bills snowball when one missed payment leads to late fees and higher balances. A personal loan can help you reset by paying off accumulated debt, allowing you to start fresh with a clean slate and a manageable monthly loan payment.
Choose from loan terms of 6 to 24 months to find a monthly payment that works for your financial situation. Our transparent pricing means no hidden fees—you'll know exactly what you owe from the start.
Financial difficulties often affect credit scores, but that shouldn't prevent you from getting help with essential bills. Wise Loan considers multiple factors beyond just credit scores, including your income and ability to repay. Apply today and see what options are available to you.
APR ranges from 5.99% to 35.99%. Example shown uses 24.99% APR.
Apply for a utility bills loan from $500 to $5,000. Fast approval to help you avoid disconnection.
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