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Immediate Financial Assistance

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Free Money

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Assistance programs Davidson County and Nashville Tennessee.

Get emergency financial help and free stuff in the Nashville area. Struggling or low income families will get utility bill help, housing, free food, clothes, or Christmas gifts from charities or churches. Some offer rental assistance. Or get grants to pay water or light bills, free medical or dental care, back to school supplies for students or Christmas toys. Find financial assistance near you in Nashville and Davidson County TN.

Government funds as well as charities offer immediate, hardship help to those that qualify. There may also be free cars for low-income families for work, prescription medications, mortgage payment programs, and more in Nashville TN. Or learn about how to get medical debt assistance as well as free health or dental care below.

Free grant money from Davidson County TN community action

The Metropolitan Action Commission provides utility bill help, job programs, hardship grants and more to Nashville as well Davidson County residents. The commission has multiple offices to help process utility bill assistance applications as well as other resources both during the peak season and year round.

  • The Metro Commission has other forms of financial assistance as well. The group does have resources, including rent help and mortgage help. However, all funding is limited - they sometimes do run out of money to help pay for rent, mortgage, security deposits, and utility deposits. They do, in most years, get federal funds  so that these programs can resume providing grants to those in need.
  • The agency (also commonly referred to as the Metro Action Commission) and the Mid-Cumberland Community Action Agency both have programs and can refer people to free grants. They also have information on other ways to get direct financial assistance, with the grant money available to help people pay living expenses. The funds can help with rent, utility bills, property taxes, a deposit or storage bill and even their monthly mortgage. The funds can also be used to help prevent a foreclosure.
  • One goal of non-profits is to help families gain long term stability. Non-profit credit counseling agencies offer classes on saving money, using coupons and budgeting. Job training centers help with incomes. There are even job fairs held too.




  • A separate program can even offer access to grants to pay for some some medical costs, such as prescription drugs. There is a also special program for seniors.
  • Programs for summer AC or winter heating bills are offered too by the Metro Action Commission. The non-profit offers Davidson County Tennessee families and single people immediate help. Most of the free government grant money, including LIHEAP, is for winter heating bills, but on occasion there is summer electric bill assistance. Applications for the program can be obtained at Nashville Electric Service, Metro Action Commission, or any branch of the local Nashville Public Library. Or if anyone is faced with a shut off, learn local laws that stop utility disconnections.

Davidson County residents need to contact the Metropolitan Action Commission, 1624 Fifth Ave. N., Nashville, 615-862-8860 to ask about the grants and referrals. Applicants for any of these programs need to live in Nashville TN or Davidson County and they must also meet other income guidelines and criteria.  The non-profit, known as MAC, also other financial support, job programs, school items and education services to clients. More information on financial aid from Metro Action Commission.

Financial help for electric bills, rent, bills and housing in Nashville TN area

The federal government, on an annual basis, provides funds which will be used to give short-term housing assistance to those who are about to be evicted, who are on the verge of homelessness and the money will also help the newly homeless rapidly get back into new housing. The program is formally known as the Homelessness Prevention and Rapid Re-Housing Program, and it is being run out of the Metropolitan Development and Housing Agency.

  • Unfortunately the money won't pay for mortgage payments, but it will pay for rent and utility deposits, back unpaid rent, or moving costs. There can be government funds for utility payments, motel vouchers, and rent for anywhere from three months to a year. While funding varies in the Nashville area, in general dozens or hundreds of families may get help each year.
  • Like many programs, there is an income limit and other conditions, and families need to show that they can take over paying the rent and utilities once their government support money runs out, so this is not meant to be a charity program. Find additional programs for rent help below.
  • Nine charities, organizations, and non profits in the Nashville area are helping carry out the program, including: Salvation Army ((615) 242-0411), Safe Haven, Woodbine Community Organization ((615) 833-9580), Operation Stand Down ((615) 248-1981), YWCA, Nashville CARES, Oasis Center and Metro Social Services, and Renewal House.





  • Saint Luke - Offers assistance in paying rent for low income individuals who live in zip code of 37209 within Davidson County Tennessee. The phone number is (615) 350-7893.
  • Martha O'Bryan Center - Financial emergency rent assistance is available to low-income adults living in zip code 37206 only. Dial (615) 254-1791.
  • Nashville based Ladies of Charity Welfare Agency, Inc. (phone (615) 327-3430) makes rental payments and can provide cash assistance for people and families who are in an emergency or crisis situation. Call them to find other rent assistance programs that are offered both nationally and in the Nashville area.

Another non-profit charity organization is Catholic Charities of Tennessee, Inc. It helps people in need regardless of their religion. Call them at (615) 352-3087. Some of the services they can offer include financial assistance and cash grants for paying utility bills and housing expenses, counseling, and emergency food aid. Several other Catholic Charity programs are offered in Nashville, and include Christmas assistance, immigration/refugee programs, and free food and meals. More on Nashville and Davidson County TN Catholic Charities.

The Salvation Army in Nashville and Davidson County TN helps tens of thousands of people per year. The emergency assistance program provides qualified individuals with food, personal care items, clothing, household items and short-term financial help. There may be funds to assist with paying for rent, housing and utility expenses. The emergency program also provides referrals and information for other needed social services and government assistance programs.

  • Free stuff is offered. The target population of the Salvation Army is low-income, unemployed and homeless families living in Davidson Tennessee as well as the surrounding counties. They may also be given free school supplies, hot meals or lunches, Christmas toys from Adopt a Family, and other aid. The Salvation Army will assist those people facing crisis situations so they can also get help.
  • The Salvation Army in Davidson County Tennessee can help people apply for financial aid, but also more importantly they will work with individuals at self-sufficiency, with a focus on increasing their income through employment and job training programs. Several other services available to Davidson County families include:
    • Holiday meals and gifts.
    • School clothes, supplies, and uniforms.
    • New moms or dads can get baby supplies, including formula for babies.
    • Cash assistance (when available for eviction prevention and energy bills.

There are other resources offered to the homeless, working poor, low-income and others. Find additional Salvation Army Davidson County resources.




Ladies of Charity Welfare Agency, Inc. (call (615) 327-3430) also offers financial assistance for expenses such as utility and heating bills, medications, and they provide other aid. A major focus is on helping single moms in Davidson County TN that need help. Some of the services offered include Emergency Assistance for paying pay due utilities and also food aid. The address is 2212 State St, Nashville, TN 37203.

Goodlettsville Help Center (phone (615) 859-4706) offers up to $250 lifetime assistance for utility bills to people in zip code 37072 only. They can help seniors in that Nashville zip code keep their lights or electric on, and offer other utility help.

Needlink Nashville - Provides limited rent & utility bill assistance for needy families in Nashville and the surrounding area. Priority for grants is for seniors, single mothers, and the disabled.

  • Funds are limited. NeedLink Nashville (Big Brothers) may assist low income, elderly, and disabled Davidson County residents with paying utility bills. The organization also administers Project Help, which is involved in assisting qualifying NES customers with emergency electric bill payments.

Other assistance includes Holiday Food Boxes as well as funds for rental or housing costs. Address is 1600 56th Avenue North, Nashville, Tennessee 37209. Phone (615) 269-6835, or read more on Needlink Nashville.

Financial help Davidson County TNSocial services and government cash assistance - The city of Nashville has a leading non-profit known as Metro Social Services. This agency administers a number of public programs, and also works with private organizations. Social Services can provide SNAP food stamps or Medicaid. There is also counseling, including for free credit or debt counseling. Find details on medical bill assistance.

DHS also provides state and federal benefits. There are programs including TANF cash assistance (Family First), day care and food stamps. There are other programs too, including subsidized child care, Medicaid (TennCare) or Medicare, SSI and more. Everyone from the low-income to unemployed and others will get help, and more on Davidson County TN benefits and public assistance.

North Nashville Outreach – North Nashville residents can receive assistance, primarily with electric bills. 2209 Buchanan St, Nashville, Tennessee 37208. For information dial (615) 242-1554

Millersville Hope Center – If you are faced with an eviction or utility disconnection, this non-profit may have emergency funding for a portion of expenses. 1246 Louisville Hwy, Goodlettsville, Tennessee 37072, phone (615) 859-0880. Only supports the local community.

Rescue Mission in Nashville focuses on offering shelter, meals, and transitional housing, but they may also have some emergency assistance and services available to those that qualify. Programs can help the homeless, recently evicted, and poor in the city and Davidson County. One of the main resources available is known as Life Recovery. Get more information on Rescue Mission in Nashville.

Rooftop Foundation – This non-profit focuses on offering rent or mortgage help, and funds for utility bills (if you are on Section 8 housing). Currently, at most a few hundred dollars will be provided for paying rent or housing expenses, provided you meet other qualifications that are in place by this Davidson County non-profit agency. 3511 Gallatin Rd., Suite 202, Nashville, Tennessee 37216, dial (615) 485-5920 or (615) 541-9783, or find more details on rental assistance from Rooftop.







Nashville Cares – May be able to provide assistance with payment of monthly mortgage, rent, electric, gas and/or water bills. In addition, funds to pay utility or housing security deposits may be offered. Money is for people who have short-term financial needs. The financial assistance is primarily designed to assist HIV+ patients and families.

  • The non-profit helps Davidson County residents that are living with HIV/AIDS. There may be financial aid for paying mortgages, rent, utilities, or security deposits. The applicant needs to be an existing client first, so they should seek other support from CARES. The address is 633 Thompson Lane, Nashville, TN 37204. Phone number is (615) 259-4866 for information.

One time rental assistance may be offered to tenants that are facing eviction or there is also help for low income families that need assistance with paying a security deposit. Many private as well as government funded agencies operate programs that specialize in offering rent help in Davidson County. Read more on emergency rental assistance in Nashville and Davidson County.

Eviction and rehousing help from government grants and a partnership known as the Continuum of Care is an option for low income families that are self-sufficient, or close to it. Using federal funds, and the support of volunteers and donations, a few programs can stop or reverse homelessness in the Nashville area.

  • Case management including legal aid, information on state of Tennessee laws for evictions, and more.
  • Money to pay for expenses that could lead to homelessness. Funds can help with utility bills (water, electric or heating), rent, deposits, and more.
  • Several other resources are administered. Find Davidson County eviction and rehousing help.

Adventist Community Service Center can help people faced with an emergency. Referrals may be offered as well as household items such as hygiene kits, pots, clothing, pans, linens, blankets, and lamps. They also work with non-profits such as the Salvation Army in Davidson County. Location is 403 Gallatin Pike S, Madison, Tennessee 37115. Call (615) 860-6001

Help for veterans in Nashville and statewide is from Operation Stand Down.  The non-profit helps former service member. Veterans across Tennessee can receive counseling, employment readiness training and placement assistance. Ir get immediate financial assistance for housing, transportation including a free car and more from this organization. Click here Operation Stand Down.

The Legal Aid Society of Middle TN (dial (615) 244-6610) provides low income, seniors and people with no money consults from a  free lawyer. They can help stop evictions, assist with applications to SSI or section 8 housing, and give free legal representation to Nashville TN families. They help with civic cases (such as free foreclosure advice) but not criminal law.

  • Volunteer attorneys provide assistance with various civil matters. Tenants facing eviction can get advice in dealing with landlords and preventing homelessness. There is also help in dealing with applications for government benefits, such as disability or section 8. The Legal Society also helps Nashville area families in addressing employment concerns, such as disputes over wages. More on free lawyers in Davidson County.





Mt. Juliet Help Center may have one time utility assistance for people in the zip codes of 37122 and 37138, with a focus on senior citizens, single parents, and people with no money but an income. They do not support Davidson County families from those zips. Emergency financial aid is very limited. Call (615) 754-4357 for information.

MDHA Metro Development and Housing Agency runs the Section 8 Housing program for the region. The government agency is responsible for distributing rent supplements for qualified low-income and working poor families in privately owned rental units. 712 South Sixth St, Nashville, Tennessee 37206, call (615) 252-6500 for an application.

Cash is available from loan programs. The following types of places may provide funds. They include payday lenders; community action agencies; car title or check advance stores; or pawn brokers among other lenders. The interest rate, amount of the loan, and use of funds will vary, but cash can help pay for bills, buy food, cover rental payments, and other costs. More on Nashville and Davidson County emergency loans.

Nashville and Davidson low income housing programs include case management, shelter, and transitional housing. While most of the agencies listed here focus on homeless prevention and offering emergency rent help, for those that have been evicted or are homeless, agencies can assist them as well. In addition, families that need to find more affordable housing and apartments can receive support. Click more details Nashville area short term housing.

Society of Saint Vincent de Paul Catholic Church is a charity organization people every year. The goal of SVDP is to provide solutions and resources for some of the key issues that challenge both the stability as well as the welfare of working and low income families.

  • That's why the charity offers everything to people in need, from social activities for seniors, to rent assistance, to a free food pantry and help for people regardless of religion. They also offer referrals to computer training and computer courses, English language and GED instruction, utility bill assistance, mobile meals, home repairs and tax preparation assistance. It also runs a food pantry and will coordinate emergency utility, rent, and housing assistance across the Nashville region. More on SVDP Davidson County assistance programs.

H.U.G.G.S. Inspirational for Men and Women – The non-profit provides funds or direct aid for paying for medication, doctor visits, utility bills, medical supplies and equipment, food, clothing, and other basic household expenses. In addition, the organization offers information for uninsured ex-offenders for their different health care and medical needs. 1160 S. Gallatin Pike, Ste 204, Madison, Tennessee 37115, dial (615) 727-6030

St. Luke's Community House has several resources. The main one is a free food bank. They also offer a diverse preschool program as well as seasonal help, ranging from tax filing assistance to holiday help. The address is 5601 New York Avenue, Nashville, TN 37209. Call (615) 350-7893

Free items in Nashville and Davidson County for low-income families

Free clothes, furniture, school items and basic needs - Davidson County residents, regardless of their income, can turn to a thrift store, furniture banks or clothing closet. Free items are only offered for truly low income families and the poor. They may be provided with vouchers or gift certificates that can be used to acquire gently used clothes, furniture, school items, household supplies, and more.







Free assistance for the holidays is available across Davidson County Tennessee. Groups, including local churches and charities, provide free meals, toys, and other assistance at Thanksgiving, Christmas, and other major holidays. Children and seniors are among those that get help. More on Nashville free holiday programs.

New or expecting moms (or dads) from low income families can get help for their baby. As many as 10 agencies, including churches, in Davidson County provide free baby supplies. There are diapers, cans of formula, boxes of groceries, and much more. The charities may also coordinate counseling as well as nutritional services for the household. More on Nashville free diaper and baby supplies.

Free food assistance, groceries, and pantries

An agency that covers a wide area of Tennessee, Second Harvest Food Bank of Middle Tennessee, offers struggling people emergency food assistance in 46 different counties through more than 500 charity agencies and non-profit organizations. There are dozens of locations to receive free food within Davidson County.

  • What they will provide is an emergency food box that gives people two to three days' worth of staple food items, based on the number of members in each household. There may be free groceries, fresh perishable items, baby formula and more. The boxes have many items in them, and they will contain nonperishable items such as canned vegetables, canned fruits, macaroni and cheese, canned meat, rice, peanut butter, cereal, crackers, and beans.

To learn more, call 615-329-3491 and Second Harvest can direct you to a nearby location. Find additional local and national charity organizations.

The following non-profits, charities, and other organization will aids low income people, the working poor and families to meet their food and nutritional needs. They include the Community Food Advocates - Davidson County (615) 385-2286, Christian Community Outreach (615) 847-4996, Nashville Cares ((800) 845-4266), and Edgehill Center (phone (615) 256-5108).

Davidson County and Nashville have about 90 other food banks in the region. They can provide free groceries, hot meals, and other support. Some have soup kitchens for Easter, Thanksgiving or Christmas meals. More on Davidson County and Nashville free food pantries.

Also learn about the government food stamp program (click here for more on SNAP).

Dental and free medical assistance programs

One of the first places to go to for help is the Interfaith Dental Clinic. The primary goal of the Nashville Tennessee based Interfaith Dental Clinic is help and improve the oral and dental health of the unemployed, uninsured, low-income, elderly, working people, and their children. They provide free or low cost dental services. Call them at (615) 329-4790.

United Neighborhood Health Services (dial (615) 227-3000 or (615) 228-8902) is another income based clinic in Nashville that provides access to health care for the underprivileged, vulnerable and minority of Davidson County.

Other community clinics that provide low cost or free health care in the Nashville Tennessee area include Vine Hill Community Clinic / Connectus Health ((615) 292-9770), Madison Family Clinic (dial (615) 425-3333), and the Southside Family Clinic (615) 726-1807.




A number of other non-profit and federal government qualified clinics operate in the county. They offer medications, free dental or medical care, and other aid. Find more free community clinics in Davidson County Tennessee.

Foreclosure, debt relief and mortgage assistance

Residential Resources, Inc. (phone (615) 650-9779) provides assistance for home owners with mortgage default or facing foreclosure. People with excessive debt can also receive debt counseling or access to debt management plans. Counselor can even advise people on such programs as debt arbitration.

Other non-profits that offer resources include Citizens for Affordable Housing (phone (615) 361-9101) and Woodbine Community ((615) 833-9580).

General debt counseling is arranged, including assistance with credit cards, car loans, medical costs, and more. The Nashville area has a few agencies that focus on this. They also help clients build long term financial stability. Find examples of consolidating medical debts as well example.

Nashville programs

There are a few additional programs that are specific to the Nashville area. Click here to learn more on these services and resources.


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