TenantsRent payments

I can't pay my rent this month, what should I do?

Last updated: October 15, 2026

Short answer

Tell your landlord as early as you can, in writing, how much you can pay and when you can pay the rest, because the rent is still owed even if you cannot pay it on time. Missing a payment does not let a landlord remove you right away: in each province covered here the landlord has to give a written notice and then get an order from the tenancy tribunal or office before anyone can enforce an eviction. In most of these provinces, paying what you owe within the notice period cancels the notice, so line up rent help quickly and keep every deadline in mind.

What to do this month (SQRFT advice, not law)

These steps are SQRFT's practical advice, not a legal rule. They give you the best chance of keeping your home while you sort out the shortfall.

  1. Contact your landlord before the rent is due. Send a short email or text (so there is a record) saying how much you can pay now, when you can pay the rest, and a date. A landlord can say no, but a clear written offer is useful if the matter ever reaches the tribunal.
  2. Pay what you can and keep proof. Ask what the part payment will be counted against, and get the answer in writing, because in some provinces accepting money after a notice does not cancel the notice. See what happens if a landlord accepts partial payment. Ask for a receipt: in Ontario and Newfoundland and Labrador a landlord must give one on request, and in BC, Manitoba, Saskatchewan and PEI a landlord must give one when you pay in cash.
  3. Ask for rent help now, not after a notice. Provincial benefits, rent banks and local emergency funds can pay part of the rent or a one-time shortfall. For example, the BC Rent Bank gives interest-free loans for rent and utilities, and New Brunswick's rent bank can pay up to two months' rent (to a maximum of $2,750) straight to the landlord or utility, once in 12 months. Our page on how much rent assistance is available lists the programs province by province.
  4. Do not skip rent or treat your deposit as rent without checking first. See can I withhold rent from my landlord and can a tenant use a security deposit as rent before you do either.
  5. Never ignore a notice. The table below shows how short the deadlines are. If a notice arrives, note the date you received it, pay or dispute within the time it gives, and see how to fight an eviction.
  6. Keep records. Save your messages, receipts, bank transfers and any application you make for help. They show the tribunal you acted in good faith.

If you can see you will not catch up, the cheapest time to look at other options (a cheaper place, a roommate, or ending the tenancy properly) is before a notice, not after. Use SQRFT's rental listings to compare what is available, and see what happens if you leave early before you give notice.

How long before a landlord can act, and can you cancel by paying?

ProvinceUnpaid-rent notice and earliest end dateCan you cancel the notice by paying?
AlbertaAt least 14 clear days' written noticeYes: pay all rent owing on or before the termination date. The notice must say so
British Columbia10 Day Notice, effective no earlier than 10 days after you receive itYou have 5 days to pay the overdue amount in full or dispute the notice
ManitobaNotice once rent is 3 days late, on the prescribed formYes: pay the full amount owing plus any prescribed costs by the date on the notice
SaskatchewanNotice once rent has been unpaid for 15 days or more after it was due (the Regulations say "more than 15 days")We found no right to cancel by paying. The landlord applies to the Office of Residential Tenancies for an order of possession
OntarioN4 notice with a termination date at least 7 days after it is given (notices given on or after September 21, 2026)Yes, if you pay all the rent owing before the landlord files an application with the Landlord and Tenant Board
New BrunswickNotice to Vacate, with a vacate date at least 15 days after it is servedYes: pay all rent due within 7 days after you are served. Not on a Final Notice to Vacate
Nova ScotiaNotice to quit from the 4th day after rent was due, effective no earlier than the 10th day after it is givenYes: pay the arrears within 10 days of receiving it and the notice is void, or apply to the Director
Prince Edward IslandNotice ending the tenancy no earlier than 20 days after you receive itYes: within 10 days of receiving it, pay the overdue rent (the notice then has no effect) or dispute it
Newfoundland and LabradorNotice to vacate once rent is 5 days overdue, with a vacate date at least 10 days after it is servedYes: pay all overdue rent and any fee. Not if the landlord has given this kind of notice more than twice in 12 months

A notice is not an eviction. If you stay, the landlord still has to apply to the tribunal or office, and only a sheriff or bailiff can enforce an order. Weekly tenancies have shorter periods in some provinces, so check the province answer below. Where your province allows it, paying the full amount owing before the deadline is usually the fastest way to end the problem.

If you cannot pay in time: the hearing, the order and your appeal rights

If the notice period passes and you have not paid, the landlord applies to the tribunal or office in your province. Go to the hearing. Bring proof of any help you have applied for and a realistic payment offer, because orders can sometimes be conditional (an Alberta order, for example, can include a payment plan), and in Ontario the Board must consider whether to refuse or delay an eviction before it grants one.

Deadlines to challenge an order are short, so act the day you receive it. Examples from the sources we reviewed: 2 days to ask for a review of an order of possession in BC, 7 days to appeal an order of possession in Manitoba, 7 days to apply to a judge in New Brunswick, 10 days to appeal in Nova Scotia, 15 days to request a review in Ontario, and 20 days to appeal in PEI (7 days for a vacate order for non-payment). The province answers give the details. See also can a tenant appeal an eviction and what happens at a landlord-tenant hearing.

Unpaid rent in each province

Alberta

In Alberta, not paying rent is a substantial breach, so a landlord can serve at least 14 clear days' written notice to end the tenancy. A notice for unpaid rent must state that the tenancy will not end if you pay all the rent due, including overdue payments, on or before the termination date. If you pay by then, the notice is void.

If you stay, the landlord has to apply to the Residential Tenancy Dispute Resolution Service (RTDRS) or the Alberta Court of Justice, and only a civil enforcement agency can remove you and your belongings. If you missed the hearing through accident, mistake or not getting proper notice, you can ask the RTDRS to set the order aside within 20 days.

Alberta tenant rights | How to file an RTDRS claim

British Columbia

In BC, a landlord can serve a 10 Day Notice if rent is late by even one day or short by any amount. The notice takes effect no earlier than 10 days after you receive it, and you have 5 days to pay the overdue amount in full or apply for dispute resolution. If you do neither, the landlord can ask the Residential Tenancy Branch for an order of possession through the direct request process.

The deadline to ask for a review of an order of possession is only 2 days, and the filing fee is $50. After that, the landlord must take the order to the B.C. Supreme Court for a writ of possession, and a court bailiff carries it out.

BC eviction process | BC tenant rights

Manitoba

In Manitoba, a landlord can give a termination notice once rent is 3 days late, on the prescribed form. You can avoid termination by paying the full amount owing, plus any prescribed costs, on or before the date on the notice. A landlord who accepts the late payment gives up the right to terminate unless the landlord confirms in writing, at the time of taking the payment, that the notice still stands.

If you stay, the landlord needs an order of possession from the Residential Tenancies Branch. You have 7 days to appeal an order of possession to the Residential Tenancies Commission, and an appeal stays the order. If you missed the hearing for non-payment, you need the Commission's leave to appeal, which is available only if you could not reasonably attend or the order relied on false or misleading information.

Manitoba eviction process | Manitoba tenant rights

Saskatchewan

In Saskatchewan, a landlord can serve a notice to end the tenancy if rent has been unpaid for 15 days or more after the due date (the Regulations' standard condition says "more than 15 days", so count carefully). If you do not leave, the landlord applies to the Office of Residential Tenancies for an order of possession, and the hearing can also deal with the rent owing. We found no statutory right to cancel the notice by paying, and a landlord who accepts arrears after a notice has not given up the notice unless both sides agree in writing. Ask the Office before you rely on a payment.

You can appeal to the Court of King's Bench on a question of law or jurisdiction within 30 days after the order is signed and dated. A tenant appealing a writ over unpaid rent must first deposit one month's rent with the director and file the certificate of payment. Filing the appeal stays enforcement unless the court orders otherwise.

Saskatchewan eviction and ORT hearings | Saskatchewan tenant rights

Ontario

In Ontario, a landlord starts with an N4 notice. For notices given on or after September 21, 2026, the termination date must be at least 7 days after the notice is given. If you pay all the rent you owe before the landlord files an application with the Landlord and Tenant Board, the notice is void and you do not have to move out. There is no deadline for the landlord to file an application for unpaid rent.

If an application is filed on or after September 21, 2026, you must pay half of the arrears directly to the landlord at least 7 days before the hearing in order to raise other issues. At the hearing the Board must consider whether to refuse the eviction or delay it. You can ask for a review of an order within 15 days (the fee is $58), or appeal to the Divisional Court within 30 days on a question of law only.

Ontario eviction process | Ontario tenant rights

New Brunswick

In New Brunswick, the landlord serves a Notice to Vacate, and the vacate date must be at least 15 days after the day it is served. Paying all the rent due within 7 days after you are served cancels the notice and continues the tenancy. If the landlord has already served a notice to vacate before and says so in the new notice (a Final Notice to Vacate), paying later no longer saves the tenancy.

The landlord then applies to a residential tenancies officer at the Tenant and Landlord Relations Office. You can apply to a judge of the Court of King's Bench within 7 days after you are notified of the decision or served with the order, but only on the grounds that the officer lacked jurisdiction or made an error of law. Applying stays the order.

New Brunswick eviction process | New Brunswick tenant rights

Nova Scotia

In Nova Scotia, once your rent is overdue by three days, a landlord can give a notice to quit from the 4th day onward, effective no earlier than the 10th day after it is given. For weekly tenancies the landlord can act once rent is 7 days unpaid. This timing changed on April 30, 2025.

You have up to 10 days after receiving the notice to pay the arrears, which makes the notice void, or to apply to the Director of Residential Tenancies. Either side can appeal the Director's order to the Small Claims Court within 10 days, and the appeal is a new hearing.

Nova Scotia eviction process | Nova Scotia tenant rights

Prince Edward Island

In PEI there is no grace period: a landlord can serve a notice the day after rent is due. The notice cannot end the tenancy earlier than 20 days after you receive it. You have 10 days after receiving it to pay the overdue rent, in which case the notice has no effect, or to dispute it. Unpaid utilities can be treated as unpaid rent, and a landlord who accepts arrears after giving notice has not given up the notice unless both sides agree in writing.

The landlord applies to the Director of Residential Tenancy (the Rental Office). You can appeal to the Island Regulatory and Appeals Commission within 20 days, or within 7 days for an order to vacate for non-payment, and serving the appeal stays the order.

PEI eviction process | PEI tenant rights

Newfoundland and Labrador

In Newfoundland and Labrador, once rent is 5 days overdue (3 days for a weekly tenancy), the landlord can serve a notice to vacate with a date not less than 10 days after it is served (not less than 3 days for a weekly tenancy). Paying all the overdue rent and any fee voids the notice, but not if the landlord has given this kind of notice more than twice in a 12-month period.

The landlord then applies to the Residential Tenancies Office for an order of possession, and the sheriff enforces it. The Act has no internal review. You can appeal to the Supreme Court of Newfoundland and Labrador on a question of jurisdiction or law within 30 days after a copy of the order is provided to you.

Newfoundland and Labrador eviction process | Newfoundland and Labrador tenant rights

Related questions

What happens if I can't pay my rent this month?

The rent is still owed, and the landlord can start the notice process once the time set by your province has passed (from as little as the day after rent is due in PEI to 15 days or more in Saskatchewan). Contact the landlord first, in writing, with an offer and a date. Then apply for rent help and read the table above so you know your deadlines.

Can my landlord evict me right away if I miss rent?

No. In each province covered here the landlord must give a written notice and, if you stay, get an order from the tribunal or office before an eviction can be enforced. Only a sheriff, bailiff or similar officer can carry out the order. See can a landlord evict you immediately and can a landlord evict for one month of late rent.

Can I stop an unpaid rent notice by paying?

In most provinces covered here, yes, if you pay within the time the notice gives: all rent owing by the termination date in Alberta, within 5 days in BC, within 7 days in New Brunswick, within 10 days in Nova Scotia and PEI, and before the landlord files an application in Ontario. In Manitoba and Newfoundland and Labrador you can pay the full amount by the date on the notice, with limits (Newfoundland and Labrador does not allow it where the landlord has given this kind of notice more than twice in 12 months). For Saskatchewan we found no right to cancel by paying, so ask the Office of Residential Tenancies.

How late does my rent have to be before a landlord can give a notice?

It depends on the province. BC allows a 10 Day Notice if rent is late by even one day, and in PEI a notice can be served the day after rent is due. Manitoba allows a notice once rent is 3 days late, Nova Scotia from the 4th day, and Newfoundland and Labrador after 5 days overdue. In Saskatchewan it is 15 days or more. See what day rent is considered late.

Is there help paying rent?

Yes, in several provinces. There are benefit programs (Alberta, BC, Manitoba, Saskatchewan, Ontario, New Brunswick, Nova Scotia and Newfoundland and Labrador all run one in some form), and rent banks in BC and New Brunswick. We did not find a confirmed current program in PEI, so ask the Rental Office or a local community agency. Amounts and eligibility change, so use how much rent assistance is available and the province's own page.

Can my landlord lock me out or take my belongings if I owe rent?

No. A lockout is not a lawful way to collect rent, and in the provinces covered here the landlord must get an order and have it enforced by a sheriff or bailiff. Manitoba and Newfoundland and Labrador also say a landlord cannot seize or keep a tenant's belongings to cover unpaid rent, and New Brunswick's government says the landlord must release your belongings even if money is owing. See can a landlord change the locks and what to do if your landlord threw away your belongings.

Can I use my security deposit to pay rent?

Do not assume you can. A deposit is held for the end of the tenancy, and treating it as rent can leave you short when you move out or put you in default. If you want to try it, ask the landlord to agree in writing first, and read can a tenant use a security deposit as rent for the rules in your province.

What should I do if I get an unpaid rent notice?

Write down the date you received it and read the deadline. If you can pay the full amount within the time your province allows, do it and keep proof; if not, dispute the notice or be ready for the hearing, and apply for help right away. Our page on how to fight an eviction walks through the steps.

Can I appeal an eviction order for unpaid rent?

Yes, but the deadlines are short, and the grounds are narrow in some provinces. Examples: 2 days to ask for a review of an order of possession in BC, 7 days to appeal in Manitoba, 7 days to apply to a judge in New Brunswick (error of law or lack of jurisdiction only), 10 days in Nova Scotia, 15 days to request a review in Ontario, and 30 days in Saskatchewan (a question of law or jurisdiction, with a deposit of one month's rent for a rent writ). See can a tenant appeal an eviction.

Can my landlord make me give postdated cheques?

In Ontario (s.108) and Manitoba (s.16) a landlord cannot require them. In BC and Newfoundland and Labrador the sources we reviewed allow them where the lease provides for them. In Alberta, Saskatchewan, New Brunswick, Nova Scotia and PEI we found no rule either way, so check your lease and ask the tenancy office.

If I move out because I can't pay, do I still owe rent?

Possibly. Leaving without proper notice does not wipe out what you owe. In Alberta, BC, Manitoba, Saskatchewan, New Brunswick, Nova Scotia, PEI and Newfoundland and Labrador, the sources we reviewed say the landlord must take reasonable steps to limit its loss, such as re-renting the unit. In Ontario, the Landlord and Tenant Board says you are responsible for rent until the term ends unless the landlord finds someone else. See what happens if a tenant leaves early.

Government sources

General information, not legal advice. Rules change; check your province's tenancy office before acting.

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