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There are many free loan programs managed by religious or non-denominational groups. For more of these organizations, you do not need to be a part of that religion or denomination to qualify (for example, you do not need to be Jewish to apply for a loan from the Hebrew Free Loan society, just like you don’t need to be a young Christian to attend a YMCA).
Check out some organizations here:
The Salvation Army is a huge organization which you’ve probably heard of with respect to clothing donations, but they offer a whole host of services, like free food, shelter, recreation, family counseling, and emergency financial assistance. Reach out to your local Salvation Army for help here.
If you are involved in a church or community center, they may have programs for financial, food, or shelter assistance.
The government has tons of assistance programs that it’s sometimes tough to dig through them. Here are a few that can be helpful:
There are several apps that can spot you anywhere from $50-$500 for a month, for free (or almost free). Be careful, you may see ads like these everywhere - some of these apps charge a monthly subscription. Here are a few who are free, or almost free:
Ok, ok - we know this isn't really an example. But, this is the best interest-free cash there is. Not only that, but you actually earn interest on it. Get started on building your emergency fund, or better yet, get rewarded for building an emergency fund with the Debbie app - you can sign up here.
Debbie is an app that uses behavioral psychology and prizes to help you pay off debt for good. The app rewards you for paying off debt with lower interest rates on your current credit, as well as cash. Start our free money psychology course today to get qualified. Start Now →
Having a less-than-perfect credit score can make it challenging to access credit and financial opportunities. However, it's important to know that all hope is not lost. Many financial institutions and credit providers offer credit options for individuals with bad credit, and with some strategic steps, you can improve your financial situation.
Do you feel like your bills always manage to be due before you get paid your bi-weekly? I bet this causes a lot of annoyance - now, there are lots of earned wage access apps, like Earnin and Moneylion, that help you get your money early. But what if you could sync up your bills with your paydays? When your payments line up with your income, you dodge those pesky late fees, slash those interest charges, and make your financial journey a whole lot smoother. So, stick around, and we'll show you the ropes on how to make it happen!