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Assistance programs in Bergen County New Jersey.

Find how to apply for financial help in Bergen County. Programs will help pay rent or security deposits, provide free debt or mortgage relief, food, or address other needs. Churches, charities and government assistance programs also give help with transportation, provide free gas vouchers, job training, and medical care. Locate financial assistance near you in Bergen County.

Low income families will also find free stuff, including school supplies, Christmas toys, dental care from clinics, and much more. There are other resources as well, include housing assistance, furniture for a home as well as  social services in Bergen County. Or find information on free passive income or money making opportunities for making more money.

Community action agency financial help, grant money, health care, and more

The Bergen County Community Action Partnership (BCCAP) offers Hackensack area and Bergen County New Jersey families with various financial 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 helps both low income homeowners and tenants in improving the energy efficiency of their homes and lowering their heating or utility bills. Funding for this energy saving program comes from the State and Federal Governments. Most of the updates done to homes is free to the homeowner, including new windows, roof repairs, insulation and more.
    The weatherization program is run by the BCCAP. This community action agency agency program provides free improvements for several hundred households every year. The program provides free
  • Free energy audit and repairs in Bergen County NJ - Depending upon the results of the free home energy audit, repairs might include attic insulation and basement perimeters, installation of weather-stripping and/or caulking around doors and windows. There are also other free 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. Learn more on how to get a free home energy audit.

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.

  • Bergen County Community Action Partnership also administers Low Income Home Energy Assistance Program (LIHEAP). Through this (what was formerly called H.E.A.P. program)  low-income people and families will receive financial assistance. There are free government grants to help pay high-energy bills, including heating, oil, HVAC repairs and others.




  • Water Bills - Community action provides people with assistance if they need temporary help in paying their water bills. The goal is to keep the service on.
  • 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 as well as people with no money.
  • NJ SHARES - This program provides year-round energy bill assistance to families and individuals who need  temporary, short term help in paying their utility or electric 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 or even a tablet. There will also be free government cell phones, including Samsung or iPhone. Get help paying for phone bills, including cellular phone bills or internet, and it is available to income-eligible clients.
  • Free cell phones - As part of the service, Bergen County families in poverty or seniors can get even more help. There are free government cell phones.
  • Rental assistance - Tenants that are facing an emergency, the Bergen County Community Action Partnership, Inc. will be able to provide hardship 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, including those with no health insurance, of  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. 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 medical services. Click here to find additional free health care programs.
  • Bergen County income and job placement - Community Action partners with workforce centers, corporations, and non-profits to help people make money, gain new career skills, or find a job. There are services for immigrants, the un-employed, gig workers seeking a stable income and others. Also locate free passive income opportunities.





The Bergen County Community Action Partnership, Inc. (BCCAP) is located at 392 Main St, Hackensack, NJ 07601, and the phone number is 201-968-0200. Many other free grant programs are provided as well as referrals. Read more Bergen Community Action Agency resources.

Financial assistance for utility bills, rent, food, and transportation in Bergen County

Bergen Volunteer Medical Initiative is a non-profit made of up volunteer physicians, doctors, nurses and other healthcare professionals. The center is a clinic is that provides free or low cost health services to the low-income or uninsured in Bergen County. The free Medical care includes immunizations, health screenings, well baby clinic, communicable disease screening, and heath education.

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. The address is 75 Essex St #100, Hackensack, NJ 07601. Call (201) 342 - 2478 for an appointment.

  • Additional free medical or dental care is offered. Bergen County low income and uninsured families can turn to chartable free or low cost community clinics. There are a number across the area and county. In general, some free care is offered, including OB/GYN, therapry and more. However some patients may be billed based on a portion of their income. Find free clinics for medical care in New Jersey.

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. There is also baby formula, diapers, and Meals on Wheels home delivery for seniors. They also participate in NJ Shares, may have clothing, and provide free holiday food assistance at Thanksgiving.

  • Center for Food Action in Carlstadt is a Bergen County non-profit that provides the low-income, poor and unemployed with free food packages. Or get money for 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 as well as free clothes.

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.

    • 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 location is 192 W Demarest Ave, Englewood, NJ 07631. Call 201.569.1804. They also have locations in Englewood, Elmwood Park, Hackensack, and Fairview New Jersey.

Low-income 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). There will also be, as donations allow, free window fans,. AC units and household stuff. Contact the United Way 201-291-4050.





Division of Community Development - Bergen County runs the Homeless Prevention and Rapid Rehousing Program (HPRP). This will help low-income tenants, people with past evictions, homeowners as well as homeless people in Bergen County. It is a federal government funded program that provides emergency rent assistance or rehousing to people facing an eviction. ESG grants are at One Bergen County Plaza, 4th Floor, Hackensack, NJ 07601-7076. Phone: (201) 336-7225.

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, deposit and heating bill assistance.
  • Free food, groceries and thrift stores may have meal, groceries, and vouchers. The Salvation Army will offer clothing, some household appliances, couches 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.

The faith based Christina charity has other programs, including for immediate financial help for single mothers in Bergen County. Click here for additional information, including the phone number and address. Or learn more on Salvation Army assistance programs in Bergen County.

The Housing First Program is offered by the United Way (201-291-4050) and it provides hardship grant money, loans and other forms of financial assistance to low income and other qualified families. Receive money for rent, security deposits, storage or moving costs 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) 336-7600) can offer short term, temporary financial assistance with paying for rent. They accept section 8 housing choice vouchers, private public housing, mortgage help and more. There is also referrals to emergency section 8, security deposit grants and priority applications. The address is 1 Bergen County Plaza, Hackensack, NJ 07601, or learn more on immediate section 8 HCV today.

Several other Bergen County emergency rent relief programs operate in the region. Get money to pay rent to avoid an eviction, or funds to pay a security deposit. They help the low-income keep their home or apartment. More on Bergen County rent assistance.

Cash assistance and government aid - The county social service department will help the low income, seniors, unemployed, disabled adults and residents who need help. A wide variety of assistance programs are offered. These can include medical care, from Medicaid or CHIP. There is low-income energy bill assistance, eviction prevention resources, SNAP 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.

  • 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. The Social service office is at 215 State St, Hackensack, NJ 07601. Phone: (201) 646-3947.







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, infants, and single parents.
  • Emergency financial aid may be paid out in the form of cash grants for heating bills, rent, or vouchers for medications. They also have transitional housing and information on second chance apartments in Bergen County NJ from local landlords.
  • SVDP thrift stores in Bergen County have clothing, furniture and more.

Other services may also be provided by referrals. Most applicants will require a home visit too. Learn more on St. Vincent de Paul Bergen County.

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

Social Service Association of Ridgewood & Vicinity will 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.

There are applications to government benefits too, such as EBT cards, SSI grant money, no wait list housing and more. 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. They also help place veterans with bad credit or evictions into an apartment.

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. Call (855) 483 - 8466

Transportation help, including free vehicles, are offered. Bergen County residents rely on commuting, driving, and transportation. There is free assistance for that as well.  One program provides support to workers. A free car to the low-income or single parent, gas cards or train tickets are given away. 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 Christmas toys, food, and holiday 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 homeless shelters or free temporary 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. The parish is at 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. They help immigrants, women facing DV, and the working poor among others. More on Catholic Charities in Bergen County.

Free furniture, clothes and school supply programs - Low income families, including both adults or kids, may receive free household goods, clothing, furniture, computers 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 school supplies, work attire or school uniforms and work clothes. Read Bergen County free furniture, school supplies and clothing closets.

Emergency free food and pantries in Bergen County

A few of the leading food banks are below. There are many other free food pantries, soup kitchens and government benefits too 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. A free box of groceries, hygiene supplies and other stuff is offered. Dial (201) 460 - 3000. The address is 176 Park Ave, Rutherford, NJ 07070.

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. they have a drive thru food bank too. Phone number (201) 343 - 5170. Location is 34 Maple Ave, Hackensack, NJ 07601.

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

Bergen County NJ free job placement or training

The Bergen County United Way has partnered with local agencies, the government Job Center, 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.





Free debt reduction, relief and bankruptcy advice

Consumer Credit Counseling Service of New Jersey offers qualified individuals with confidential budget advice, debt assistance and credit counseling. Budgeting is also offered. They also help people with auto loans, including refinancing. More on refi a car loan.

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 or a car loan. In addition free seminars on credit/budgeting are available. Dial (201) 721-8774. Click here to find other New Jersey debt programs that help with medical bills.

  • Foreclosure counseling and mortgage assistance is offered too. In addition to the debt programs mentioned above, Consumer Credit Counseling of NJ - American Consumer Credit Counseling also offers housing programs including mortgage relief and home buying services. There is free Housing and Reverse Mortgage Counseling including for a Foreclosure. Or get Mortgage Default & Delinquency, pre-purchase and tenant rental counseling. Call 201) 721-8774, or find additional New Jersey mortgage programs.


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