One payment, one date
Replace 5–10 moving-related card charges with a single fixed monthly payment.
Moving & Relocation Loans
Moving & Relocation Loans
A moving loan is a fixed-rate personal loan you can use for movers, security deposits, first and last month's rent, storage, travel, and everything else it takes to get set up in a new city. Through The Lending Group's network of U.S. lending partners, qualified borrowers can access $2,500 to $50,000 with APRs from 6.99% and terms of 24 to 84 months.
- Cover movers, deposits, first-and-last rent, storage, and travel
- Fixed payment instead of high-APR credit card balances during the transition
- Soft credit check — see your rate in 60 seconds with no score impact
- Funds typically deposited in 1–3 business days after approval
Soft credit check • No impact to score • 60-second form
What is a moving loan?
A moving loan is an unsecured personal loan used to fund a relocation. The average professional move within the U.S. costs $1,500–$5,000; a long-distance or interstate move often runs $5,000–$12,000 once you include movers, packing supplies, insurance, storage, travel, deposits, and setup costs at the new residence.
Because the loan is unsecured, no collateral is required. Approval is based on your credit, income, and debt-to-income ratio — not on the value of your possessions or the address you're moving to.
Why a loan beats credit cards during a move
Moving costs pile up fast: mover deposit, packing supplies, security deposit at the new place, first and last month's rent, utility hookup fees, cleaning, and often a hotel stay in between. Stacking those on credit cards during a period when your paycheck may also be disrupted is a fast track to a five-figure balance at 22%+ APR.
A fixed-rate loan replaces all of that with one payment and a firm payoff date. Borrow $8,000 over 48 months at 12% APR and you pay about $211/month, all-in — an amount you can budget around before you sign the new lease.
Common relocation costs to include
Build a full budget before applying: moving company or truck rental, packing materials, insurance/valuation coverage, storage (short- or long-term), travel (flights, gas, hotels, pet transport), security deposit and first/last month's rent or closing costs, utility hookup and internet installation, appliances and furniture for the new place, cleaning at the old place, and any lease-break or breakage fees at your previous residence.
For interstate or job-related moves, also include short-term housing while you find a permanent place, and any temporary work-from-home setup costs.
What to prepare before you apply
Have your legal name, date of birth, Social Security number, current address, employer and monthly income, and bank routing and account numbers ready. Get quotes from at least two moving companies so you can request the right loan amount.
Apply about 30 days before moving day so funds are in your account when the mover's deposit is due and the new landlord needs your security deposit.
Why borrowers choose us for moving & relocation loans
Larger amounts
Up to $50,000 for major interstate moves, family relocations, or corporate transfers.
No collateral
Unsecured — no risk to your home, car, or possessions.
Fast funding
1–3 business day funding, so vendor deposits don't slip.
Soft-pull rate check
See your APR in 60 seconds with no impact to your credit score.
No prepayment penalty
Employer paying moving expenses? Use the reimbursement to pay the loan down early with no fees.
Common ways borrowers use these funds
- Professional movers or truck rental
- Packing materials and insurance
- Security deposit, first, and last month's rent
- Short-term storage between homes
- Travel: flights, gas, hotels, pet transport
- Utility hookup and internet installation
- New furniture and appliances
- Cleaning and lease-break fees at old residence
How it works
- Step 1
Check your rate
Answer a few questions and pick the amount you need. Soft credit pull only — no score impact.
- Step 2
Compare and choose
Review offers from our lending partners. Pick the rate and term that fits your budget.
- Step 3
Get funded
Sign electronically, receive funds in 1–3 business days, and pay your movers, landlord, and setup costs.
Frequently asked questions
Can I use the loan for both moving and new furniture?
Yes — funds are deposited to your bank account and can be used for any relocation-related expense.
How much should I borrow for a move?
Get itemized quotes for moving, deposits, and setup first. Borrow the total plus a 10% cushion for surprises.
What credit score do I need?
Most lending partners look for a FICO score of 620 or higher, plus verifiable income.
When should I apply?
About 30 days before moving day, so funds are ready for mover deposits and landlord security.
Are there fees?
Qualifying products in our network have no origination fees, prepayment penalties, or late fees.
Can I use the loan for a job relocation?
Yes. If your employer reimburses expenses, you can use the reimbursement to pay the loan down early with no penalty.
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