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Assistance programs in Bergen County New Jersey.

Find how to apply for financial aid in Bergen County. Programs can help pay rent or security deposits, provide free foreclosure counseling or food, and address other needs. Non-profits, churches, charities and government assistance programs also give help with transportation, job training, and medical care.

Low income families can also find free stuff, including school supplies, Christmas toys, dental care from clinics, and much more. There are other resources as well, include free home buying as well as foreclosure prevention services in Bergen County. Or find information on free passive income opportunities for making more money.

Locate community action agency help with energy bills, health care, and expenses

The Bergen County Community Action Partnership (BCCAP) offers Hackensack and Bergen County New Jersey families with various options and resources to help them with bills, debts, and other expenses. Some of the programs, and contact information, is below.

  • New Jersey Weatherization Assistance Program is a nationwide, federal government funded program that assists both homeowners and tenants in improving the energy efficiency of their homes and lowering their heating and utility bills. Funding for this energy saving program comes from the State and Federal Governments and is administered by local charities and community action agencies. Most of the updates done to homes is free to the homeowner.
    In the Bergen County area, the weatherization program is run by the BCCAP. This community action agency agency program provides services and improvements for several hundred households every year. And over the past years, the the agency has made thousands of houses energy-efficient, safe, and dry for low-income families, all at no cost to the homeowner. The program provides free weather-stripping and free insulation to income-eligible families.
  • The process work as follows. A technician will make an appointment and visit your home. They will check your water heater and heating system,  then examine the oven and stove. Then a blower door device will be setup in your residence and the home will be inspected for air leakage or other improvements. When all is said and done the audit program will suggest the necessary adjustments needed to make your home more comfortable and energy efficient.




  • Depending upon the results of the free energy audit, repairs might include attic insulation and basement perimeters, installation of weather-stripping and/or caulking around doors and windows, or other minor repairs to ensure optimum energy efficiency. All of this is free to the homeowner, and it can save the homeowner several hundred dollars per year in lower energy bills.

Utility bills, housing support and Low Income Home Energy Assistance are offered by the community action agency too. All of these services are also offered by BCCAP. Phone 201-968-0200.

  • Bergen County Community Action Partnership now also administers Bergen County's Low Income Home Energy Assistance Program (LIHEAP). Through this (what was formerly called H.E.A.P. program)  low-income individuals and families can receive financial assistance and government grants to help pay high-energy bills. Last year over 8,000 Hackensack and Bergen County residents were provided energy bill assistance. Some of the other heating and energy bill programs offered are.
  • Water Bills - United Water Cares provides people with assistance if they need temporary help in paying their water bills.
  • Universal Service Fund (USF) - This is a program that was created by the State of NJ to help make energy bills more affordable for low-income utility customers.
  • NJ SHARES - This program provides year-round energy bill assistance to families and individuals who need  temporary, short term help in paying their energy bills. Funding for this state program is provided from the NJ Board of Public Utilities. The SHARES program stands for the Statewide Heating Assistance and Referral for Energy Services. It is a non-profit, 501 (c) (3) corporation that was organized to provide assistance through a statewide, year-round independent energy fund. People need to apply to this program and be qualified.





  • Verizon Offers New Jersey's Communication Lifeline provides assistance with phone service and paying for phone bills, including cellular phone bills, and it is available to income-eligible clients.
  • Free cell phones - As part of the service, Bergen County families in poverty can get even more help. There are free government cell phones.
  • Heating and summer cooling bills - Contact the United Way for financial assistance. The organization administers the Warm Homes Program (for winter heating bills) and the Cool Homes Program (for summer air conditioning bills). Contact the United Way 201-291-4050.
  • Rental assistance - If you are facing an emergency, the Bergen County Community Action Partnership, Inc. may be able to provide you funds to prevent an eviction. Or locate other programs that provide rent assistance.
  • Bergen County Community Action Partnership referrals to free health care clinics and centers. Local non-profits offer free or discounted health care, prescription drugs, and more to residents of Hackensack and Bergen County. A Bilingual medical staff deliver the finest in comprehensive check ups and health care services to the people of Garfield, Hackensack, Bergen County and surrounding communities. Click here to find additional free health care programs.

    Services at this clinic include Adult Medicine, Pediatrics, Dentistry, and Women's Health. For an appointment at the clinic, call 973-340-1182. Walk-ins are also welcome and can receive health care services.

The Bergen County Community Action Partnership, Inc. (BCCAP) is located at 241 Moore Street, Hackensack, NJ, and the phone number is 201-968-0200. Read more Bergen Community Action Agency resources.

Financial assistance for bills, rent, free food, medical and other aid

Borough of Demarest is a clinic that provides free or low cost health services to residents. Medical care includes immunizations, health screenings, well baby clinic, communicable disease screening, and heath education. (201) 769 - 0167.

Bergen Volunteer Medical Initiative is a non-profit made of up volunteer physicians, doctors, nurses and other healthcare professionals. They offer free medical or dental care to income qualified Bergen County residents. Patients can’t be insured or can’t be able to pay for medical bills on their own. 241 Moore St, Hackensack City NJ. Call (201) 342 - 2478 for an appointment.

Bergen County low income and uninsured families can turn to free or low cost community clinics. There are a number across the state and county. In general, some free care is offered. However some patients may be billed based on a portion of their income. Find free clinics for medical care in New Jersey.





Center for Food Action in Carlstadt is a Bergen County non-profit that provides the needy with food packages, rent, utility and heating bills assistance, and security deposits. The agency is also a participant in NJ Shares. Last, but not least, special holiday food assistance is available at Thanksgiving only. Dial (201) 933 - 4268. They also have locations in Englewood, Elmwood Park, Hackensack, and Fairview New Jersey.

Division of Community Development - Bergen County runs the Homeless Prevention and Rapid Rehousing Program (HPRP), which is a federal government funded program that provides emergency rent assistance to people facing an eviction. Dial (201) 3367225

Salvation Army of Bergen County - This organization is one of the leading non-profit charity organizations in New Jersey. They offer programs across the state and region. Examples of the resources provided include the following.

  • Housing support, including emergency rental and heating bill assistance.
  • Food and thrift stores may have meal, groceries, and vouchers for clothing and furniture.
  • Special programs such as free back to school supplies and Christmas meals and toys for children.
  • Senior aid and resources for the elderly in Hackensack.
  • Click here for additional information, including the phone number and address. Or learn more on Salvation Army assistance programs in Bergen County.

Cash assistance and government aid - The county social service department can help the low income, seniors, unemployed, and residents who need help. A wide variety of assistance programs are offered. These can include medical care, energy bill assistance, eviction prevention resources, food stamps, meals for newborns, and much more. Get a listing of the various government and county run programs. More on Bergen County public assistance.

The non-profit Center for Food Action agencies provide various forms of assistance to qualified low income families in Bergen County. The main resource is emergency food, however rent, security deposits and limited utility bill assistance may be available. They also participate in NJ Shares, may have clothing, and provide free holiday food assistance at Thanksgiving.

  • 1061 Slocum Ave, Ridgefield, NJ 07657
  • Fairview Center for Food Action, 239 Anderson Ave, Fairview New Jersey, (201) 945 - 5831
  • 316 1st St, Hackensack, NJ, call (201) 883 - 9375
  • 224 Midland Ave, Saddle Brook New Jersey, telephone (201) 703 - 9857

The center also partners with the New Jersey Anti-Hunger Coalition, and together they offer the working poor or families facing poverty with solutions. Note any financial aid issued for certain bills or rental costs may be done so using a loan, and read more Center for Food Action programs.







Churches from Saint Vincent - The society, often known as SVDP, uses volunteers and money raised from the community to help the less fortunate. After an assessment is done, some of the support is as follows.

  • Free food from pantries, including for children, seniors, and single parents.
  • Emergency financial aid may be paid out in the form of cash grants for heating bills, rent, or vouchers for medications.
  • SVDP thrift stores in Bergen County have clothing, furniture and more.
  • Other services may also be provided by referrals. Learn more on St. Vincent de Paul Bergen County.

Mount Olive Baptist Church may have referrals and aid to those in need and the less fortunate. 260 Central Ave., Hackensack, NJ 07601. Call 201-489-6888.

Social Service Association of Ridgewood & Vicinity can assist the working poor and low income families. Supplemental financial assistance includes rent help, funds for utilities, fuel and heating oil, food, and medications. Other resources available are free eyeglasses, children’s birthday bags, back to school supplies, and adult education assistance including tuition and textbooks. Case management and advocacy is offered too. Address is 6 Station Plaza, Ridgewood, NJ, 07450, telephone (201) 444 - 2980.

Supportive Services for Veteran Families (SSVF) is run by Community Hope. The program provides assistance to low income Veterans, their families, or those homeless in Bergen County. What may be offered from SSVF is transitional housing and then placement into permanent homes or apartments.

Community Hope can offer assistance with paying back rent, mortgages, or security deposits. While a cash grant is normally offered, in some cases a loan is issued for housing needs or deposits. Other services include linkage to free medical care, transportation, recovery services, and other aid for veterans. (855) 483 - 8466

General Assistance is available from most cities in the county. For example, Hackensack can be reached at (201) 646 – 3947, but other municipalities offer it too. The state and government resources provide short term financial and medical bill assistance. The very low income may qualify for Emergency for rental and utility payments, or the security deposit on a new apartment in New Jersey.

Bergen County residents rely on commuting, driving, and transportation. There is free assistance for that as well.  One program provides support to workers. This is in the form of automobiles, and find free cars

Housing grants as part of HPRP are used to both help renters that are in a crisis as well as people that are seeking a new home or low income apartment to live in. Financial help is provided along with non-monetary resources. Clients, and what may be provided, includes some or all of the following.

  • Individuals with a disconnect notice on their water, heating, or utility bills can apply for aid.
  • Emergency rent help is arranged for stopping an eviction.
  • If the issue can be resolved by legal aid or mediation, this is provided.
  • Applications are accepted from immigrants, the homeless, single mothers, and other vulnerable members of the community. Read more on eviction prevention Bergen County.

Free toys, food, and meals are provided at Thanksgiving and Christmas. Some Bergen County charities even pass out Easter baskets to children. So there are several different holiday programs for low income households.

Using donations and the dedication of volunteers, clients can receive a gift for their child or a box of food. Some sites serve full Christmas or Thanksgiving meals to residents, no questions asked. Locate free Christmas assistance in Bergen County.

Volunteers of America Delaware Valley has supportive services in Bergen County. While resources are limited, the poverty fighting organization known as VOA can help the vulnerable and working poor. A focus is on referrals to housing, case management, shelters, and self-sufficiency. Read more Veterans on Delaware Valley.

Bergen County transitional housing programs can assist residents that have been evicted, foreclosed on, or that are homeless. First and foremost, short term shelters or apartments are made available. The clients then work with a case manager on self-sufficiency, financial literacy, and job searches. The last step will be assistance in finding new, affordable housing, and maybe aid for paying deposits or rent. More details on Bergen County short term housing.





Covenant Life Ministries Church is one of the many local charities that processes applications for New Jersey SHARES. 1429 Palisade Ave, Teaneck New Jersey, dial (201) 837 - 9177.

Catholic Charities of Bergen County and northern New Jersey administers several assistance programs in the region. Many employment resources, including job training programs such as Production Services, are available for the unemployed or part time workers. Other resources include assistance with housing, emergency food, ESC classes, and referrals to regional non-profits. More on Catholic Charities in Bergen County.

Non-financial aid including clothing - Low income families may receive free household goods, clothing, and other items. Families of all income levels can buy low cost goods. Clothing closets and thrift stores in Bergen County provide these services and more, including Christmas assistance, school supplies and work clothes. Read Bergen County clothing closets.

Locate a job

The Bergen County United Way has partnered with local agencies and employees to help people find a job. They run the Back to Work Program. It offers job search support, including resume feedback, career advice, resume submission services, and other advice. Call 201-291-4050.

Non-traditional areas of employment are offered in Bergen County as well. This includes gig type work, freelance positions, smart phone apps, and so much more. This are flex and/or part time jobs that can help immigrants, the low income, and really anyone make more money. Even find other side hustle jobs for making money.

Rent assistance

The Housing First Program is offered by the United Way (201-291-4050) and it provides grants and other forms of financial assistance to low income and other qualified families. Receive money for rent, security deposits, and other aid. Some clients will be provided an interest free loan, and others can access transitional housing while they stabilize. Learn more on Housing First Assistance Program.

The Housing Authority of Bergen County ((201) 336 - 6490) can offer short term, temporary financial assistance with paying for rent, security deposit and heating and utility bill assistance.

Several other homeless prevention and emergency rent programs operate in the region. Get money to pay rent to avoid an eviction, or funds to pay a security deposit. More on Bergen County rent assistance.

Bergen County resources and programs that also help people anywhere in New Jersey

Get information on financial assistance programs and services that can help people across New Jersey, including Bergen County and Hackensack.

New parents also struggle in the county and nationwide. There are many assistance programs for food, financial aid, additional housing and more. One effective service are free infant cribs for new low income parents.

Free debt reduction, counseling and bankruptcy advice

Consumer Credit Counseling Service of New Jersey offers qualified individuals with confidential budget advice, debt assistance and credit counseling. They may be able to enter people into a low cost debt Management Program that will assist clients in formal plan to repay debts, whether credit card or medical. In addition seminars on credit/budgeting are available. Dial (888) 726 - 3260. Click here to find other New Jersey debt programs that help with medical bills.

Foreclosure counseling and mortgage assistance

In addition to the debt programs mentioned above, Consumer Credit Counseling of NJ also offers housing programs including Housing Counseling & Reverse Mortgage Counseling including Foreclosure, Mortgage Default & Delinquency, pre-purchase & rental counseling. Find additional New Jersey mortgage programs.





Emergency free food and pantries in Bergen County

A few of the leading food banks are below. There are many other government and charity run services for low income families. Whether it is an application to SNAP food stamps or a free hot meal, programs can help address hunger. There are also free soup kitchens. Or get an extensive listing of Bergen County free food pantries.

Community Pantry is an independent food pantry that is open to Rutherford New Jersey residents. Dial (201) 460 - 3000.

Holy Trinity is a Hackensack based food pantry. Bags of groceries, holiday meals, and even snacks for students may be provided when school is out of session. Phone number (201) 343 - 5170.

The needy can call Our Lady of Mercy Church at (973) 887 - 0050 for food and groceries.


By Jon McNamara

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