Behind on Rent in Ontario? Rent Banks & Arrears Help
If you've fallen behind on rent, the worst thing you can do is nothing. Ontario has real programs — rent banks, benefits, and payment plans — that can stop a missed month from turning into an eviction. Here's where to turn, fast.
First: An N4 Is Not an Eviction
If your landlord serves an N4 for unpaid rent, you can void it by paying the full amount owing within the notice period — and even later, you can often 'pay and stay' right up to the eviction. So the goal is to find the money or a plan. See got an N4? for exactly how the timeline works.
Rent Banks
Many Ontario municipalities fund rent banks — programs that provide grants or interest-free loans to cover rent arrears for tenants at risk of eviction. Eligibility varies by area, but they're designed precisely for a short-term shortfall. Contact your municipality or 211 Ontario to find the rent bank serving your area.
The Canada-Ontario Housing Benefit
The Canada-Ontario Housing Benefit (COHB) is a portable monthly benefit that helps eligible households with rent. It's not instant, but if your income is low relative to your rent, it can make your housing sustainable going forward. Ask your local service manager how to be considered.
Other Emergency Help
Depending on your situation, you may also qualify for:
- Ontario Works / ODSP emergency or discretionary housing assistance.
- Community and charitable funds for one-time rent help (ask 211).
- Utility arrears programs like LEAP, which free up cash for rent.
Ask the LTB for a Payment Plan
If your case reaches the Landlord and Tenant Board, you can ask for a repayment plan to clear the arrears over time and keep your home. Bring a realistic budget. Tenant Duty Counsel at the hearing can help you request one — don't skip the hearing.