latest nhpb_banner 1__compressed2



Search the site

Immediate Financial Assistance

Rental Assistance

Food Pantries

Utility Bill Help

Free Stuff

Work From Home Jobs

Public and Government Assistance

Disability Benefits

Section 8 Housing and Apartments

Senior Help

Free Money

Free Grants

Free Clothes

Charity Assistance

Church Assistance

Community Action Agencies

Free Job Training

Help with Medical Bills

Free Healthcare

Free Dental Clinics

Car Payment Assistance

Debt Relief

How to Save Money





Loan places near you.

There are many organizations that offer short to medium term loans, some of which may offer borrowers low interest rates and/or affordable fees. Families can borrow money from a payday loan organization, non-profit, company, bank or private lender. In general, many of these places to get a loan should only be used as a last resort when all other options have been tried. Find places near you to get a loan..

Always read the fine print of any personal or short term loan offer (including from a payday lender or online company) when borrowing, as the repayment terms and interest rates will vary widely.Learn about all of your options for borrowing money over the short term as well as financing options below. Most lenders near you will also process applications for loans online.

Organizations for loans near you

Households, including people with bad credit, immigrants, the unemployed and others have many options available to them. The types of loans for low-income families or people with no credit range from payday loan organizations or car title loans to credit unions, Peer to Peer social network lending, Ways to Work auto programs, United States Government FDIC small dollar loans, and many others.

Personal loans, which almost all banks (including Chase, Citi, and others) offer are a great option when it comes to borrowing money. Personal loans are also available from online lenders including UpStart, Paypal, Lending Tree as well as other lenders. Some companies also provide funds to people with no bank account or to people that are “unbanked”. Learn about getting loans with no bank account.

Many low income families or the working poor find it challenging to get approved for financing. The number of options are limited, so many borrowers are turning to personal loans from online or in person lenders.

Another benefit of a personal loan is that even consumers with poor credit scores can usually get approved. This will not only give them the money they need, but it also starts a borrower on the path to rebuilding their credit over time. Find how to get an unsecured personal loan.




Wells Fargo Direct Deposit Loans are a product that is not as expensive as the traditional payday loan, but the interest rate is much higher than the credit union products indicated immediately above. Borrowers will also be dealing with one of the nations leading banks so borrowers will tend to have more protection given to them. Apply for Wells Fargo Direct Deposit Loans.

US Bank Checking Account Advance, or Simple Loan - Applicants will get an advance on their next paycheck, and the interest rates are not as expensive as a typical payday lender. It is a short term loan product that was created primarily to provide cash to people who have unexpected bills but who are gainfully employed. More on the US Bank checking account advance loan.

Fifth Third Bank’s MyAccess - This bank is also offering an alternative to payday loans, known as MyAccess or Early Access. This tends to be more of a regional offering as the lender is limited in what parts of the country they operate in. The interest rate, while still high, is still lower than a typical payday lender or personal loan company. Learn about the online, or in person, Third Early Access loans.

Online Lenders for Bad or No-Credit Borrowers - FDIC Small Dollar Loan - A number of online lenders, such as SoFi, Paypal, Cash App, Rocket Loans and others provide easy to get personal loans. They also partner with the Federal Deposit Insurance Corporation (FDIC) has to provide short term, low interest rate loans to low-income Americans, single moms and bad credit applicants. Many of the people who benefit from these online or in person lenders have low or no credit scores or they do not even have a banking account.

  • A loans issued will be highly regulated and the chance of a scam taking place is non-existent. This federal government supported product is intended to be an alternative to high cost payday and salary advance loans. Learn more on low income loans from FDIC.

Low interest rate auto loans from Ways to Work will help with paying for transportation needs. If you need a car loan or to borrow money for say a new truck, Ways to Work is a non-profit organization that offers people with poor or no credit funds. The interest late on the money provided is much lower than offerings from traditional financing companies or car manufacturers.

  • The Ways to Work car loan program is intended to help individuals remain in or advance in their job. The non-profit, which as both local offices that may be near you as well as online applications, and they understand that adequate transportation is needed to do that. Funds can be used to buy an affordable used car or maybe even pay for repairs. More on Ways to Work car loan program.





Loans for medical or dental procedures are available too. Several online companies and banks provide funds to pay for health care needs, surgery, dental work and more. The medical loans generally are paid out instantly and do not require a credit check and they also come with flexible repayment terms. Locate loans for medical procedures.

Home equity loans are another very effective way to consolidate debt and help pay bills. It does come with advantages (such as income tax breaks) and disadvantages (home is collateral). Only families that own property can apply. Learn more and find how to get a home equity loan.

Federal Employee and Education Assistance Fund provides zero percent interest loans to government workers. It is limited in that this program is only for civilian employees of the federal government, however this does include postal workers as well. Referrals may be given to military families or veterans if they are seeking alternatives to high priced payday lenders.

  • The organization provides this service to help those families that are faced with a short term crisis situation. The loans from FEEA have been used in the past for paying a wide range of expenses, including certain medical bills, emergency car repairs, or even to pay the rent for a month or so. Learn how the Federal Employee and Education Assistance fund works.

Places to get loans near youLow cost personal loans are offered by national banks, such as Chase, Bank of America and others. There are also online lenders, including SoFi, Lending Tree, Lightstream and other companies. The Consumer Federation of America has created some studies on the challenges and expenses of using payday loans. The non-profit also has ideas and suggestions that potential borrowers should explore when they are seeking any type of short term financing. Learn more on one of the best alternatives, being Low cost personal loans.

There are several other short term loan alternatives to explore as well. As small dollar, shorter-term personal loans can be issued by community banks, online companies, and many other lenders. It is recommended to shop around before applying. ind more information on short term loans.

Other national and community lenders provide loans near you. They will include a local community bank, fintech lender, or even a non-profit among other options. Find, in your community, Emergency cash loans.

Buy Now Pay Later companies, such as Paypal, Karna, Afterpay / Block and others offer loans for shopping. These companies provide hundreds, if not thousands of dollars, to applicants who have no or bad credit up to high credit borrowers. Learn more on BNPL loans.







Peer to peer loans (P-2-P)

Peer to Peer or Social lending is a type of lending that occurs directly between regular everyday individuals ("peers") without the participation of a traditional bank or financial institution. It is unique in that people who need money are technically borrowing from “regular” individuals or investors. The interest rates will often be lower than a bank or payday loan and the sign up process is usually very quick. This industry also tends to be less regulated than some others. More information on Peer to Peer lending.

Crowdfunding is a form of P2P borrowing, though it is not quite the same as a loan in that the money does not need to be repaid. There are many ways to raise money for free. The from crowdfunding, including loan programs, can help pay the bills, rent and other basic needs. Learn about GoFundme, Paypal Generosity Network, Kiva and other organizations for money. Locate free crowdfunding sites.

Emergency money, in addition to loans, can be provide from other sources peer to peer type organizations. They include some or all of the following. The options include peer to peer, gig work, crowd funding and more.

Non-profit to apply at for loans near you

Credit union financing options - There are several regional and national credit unions that are available to the general public. Anyone can join by making a very small donation to a non-profit (usually $5) and opening a savings account. Customers will then have access to personal or emergency loans that can be used to pay a number of expenses, such as rent, car repairs, medical bills, and they can even borrow money to be used for auto loans. Some also offer low interest rate mortgages, credit cards and other forms of financing, such as signature loans. Find how to apply for loans from credit unions.

  • Low interest rate Stretch Pay loans is a product is another low interest rate offering that is made available by many non-profit credit unions as well as small regional banks near you. It is really a credit unions version of a payday loan, however you will be dealing with a major financial institution so there are advantages. They can be used to pay emergency bills and expenses. Learn more on stretch pay loans.

No collateral Signature Loans from credit unions and banks can help people that do not want to make any commitments. For applicants that need a financing resource that does not require collateral, but that tends to have a higher interest rate, then a signature loan may be another option. This is often thought of as a high risk product. The interest rates will vary based on lender and the borrowers financial situation, they will tend to be higher than a credit card as borrowers do not need to make any commitments to providing collateral.  Continue with Signature Loans.





Emergency loans from churches near you - There are local as well as national faith based groups that may provide money in a crisis. When a church does provide financial assistance, the dollar amount is minimal. However may will not only try to provide some funds, but they also offer other support such as credit counseling, basic household supplies, and much more in addition to the free, short term small dollar personal loans. Locate low cost loans from churches.

College loans - Most Universities will provide some form of emergency assistance to enrolled students, especially ones from low-income families. The cash provided will usually have a very low interest rate. The money given to the student by a college can pay for bills such as textbooks, car repairs or gasoline to get to class, housing, and other expenses. Borrowers include part and full time students, undergrads, professors, commuters, and graduate students too. More on emergency loans for University students.

Interest free loan financing is available from many charities or churches. There are non-profits, including faith based organizations and online companies, that offer funds for emergency situations. The loans will usually be offered at a zero percent interest rate to borrowers. The money disbursed can help those individuals who do not qualify for any forms of government aid or financial assistance from other organizations. Find extensive information on help from free loans.

  • One of the main organizations is the Association of Jewish or Hebrew Free Loans. They operate from dozens of different offices around the country. The organization will help people of all religions and backgrounds. This type of financing is much better than using a payday loan, and tens of thousands of families (no matter their religion) benefit from the service. Find a list of Jewish Association lenders.

Quick loans near you

There are a number of companies, primarily payday, car title, pawn shop and other “high-priced” lenders near you that provide quick and easy access to funds. However they are have the highest interest rates as well as fees. But borrowers that do not have credit, or that have low scores, may find them easy to use. The lenders include the following.

Car or automobile title loans - This product will allow people to borrow money against the value of their automobile, truck, or even motorcycle. It is offered by both payday lending companies and other non-traditional banks near you. The borrower’s car is in effect used for collateral for the loan. It can provide quick cash, but there are many risks when going down this path. Learn more on car title loans.

Pawn shop loans near you can be used when the person has collateral to borrow against. The broker will appraise the item being sold and then provide the customer cash for the product. Any money paid out will be in the form of a short term loan, and the interest rate tends to be more affordable that many other products. This form of financing is regulated by the state and federal governments. Continue with pawn shop loans.

Check cashing store loan programs near you - A number of companies will help people, normally those with bad credit or a low-income, get easy, quick access to their funds. Sometimes also called “payroll advance”, “check cashing”, “salary advance”, the emergency short term loans from these organizations provide a fast way to access emergency money to help with paying bills. Many states regulate them as well as the entire industry. Get details on funds issued by check cashing stores.




A major challenge is that many payday lenders may make it difficult to stop a withdrawal from your bank account. Borrowers have been charged improper overdraft fees and other charges on their accounts. The federal government and the Electronic Fund Transfer Act can protect consumers from these fees and recurring withdrawals. It also helps regulate the industry and the transfer of funds. Find how to stop withdrawals from payday lenders.

There is help eliminating a payday loan as well. Some of these can include payday loan consolidation programs and using the services of various companies that work with lenders. There are also not-for profit credit counseling agencies as well as state consumer protection boards that may assist. Find steps to take around payday loan consolidation.

Many states have very created, and th federal government has laws that help regulate the lending industry. These are called “usury laws”, and these rules define permissible lending rates, costs, terms, and the amount of cash that can be borrowed. Borrowers need to understand their consumer rights, or get help with your rights when it comes to state payday loan lending laws.

There are some lower cost options for consumers to consider. For example, one socially responsible lender that is partly owned by Google is LendUp. While they do offer short term loans, the interest rates are much lower and the financing is also combined with free credit counseling and other educational services for borrowers. More on LendUp low interest rate loans.

The bottom line on using loans to pay bills

If a family has already borrowed too much from a lender or bank, they can get help in reducing their financial obligations. There are programs that help with everything from payday loans to credit cards and more exotic forms of borrowing. Much of the assistance is reducing debt payments and financial commitments is offered for free. Find ways to get out of debt.

Borrowing money, whether payday loans or some other source of funds, can be useful is certain situations for consumers who need short term cash to help pay emergency bills for a short period of time. As noted, using this source of easy money will come with high costs, risks and numerous dangers. However, if you do have limited options available and if you also understand how to use payday loans correctly, then feel free to use them but be careful.


Related Content From


By Jon McNamara


Additional Local Programs












Contact Us

About Us

Financial Literacy Blog

Privacy policy

Visit Facebook page

Search Site