Get help with bills in Charlotte and Mecklenburg County.
Find how and where to get financial help with bills in the Charlotte NC area. Free grants from charities or non-profit, government money and other assistance will help pay for utility or water bills, housing, transportation and other expenses. Low income families may also be eligible for job placement in the Mecklenburg County NC area, which is often combined with free gas vouchers or even a car for work. Find organizations that give financial help in your area of Charlotte North Carolina and the county.
There are other financial resources as well as social services in Charlotte NC and the county as well. Whether it is free household or personal stuff (like clothes, school supplies, food, bus passes on CAT for a job), rehousing grants, loans for paying bills or something else, the low income can get help.
Where to get financial help for bills, housing, and resources in Mecklenburg County
The Charlotte Area Fund is a nonprofit Community Action organization that provides local residents with a wide variety of support, including financial assistance for bills, including electric or housing costs. The non-profit will provide people with funds for certain expenses as well as long term support to those in need of help.
- In addition, the project provides nutrition assistance through education and they also offer low-cost and free nutritious food. A priority is for to single mothers or the working poor in Mecklenburg County.
- There are also free items given out, such as stuff for work or educational reasons for clients, and read more on free stuff.
- Other assistance programs offered include limited financial assistance for emergency needs, such as rent, utility bills, and help with medication expenses.
- CAC also helps with housing. Assistance is also available for safe standard housing through grants that can be used for security deposits and also funds to pay for first month's rent. The money may be offered in Charlotte on a limited, first-come, first-serve basis.
- The charity CAF will offer the Self-sufficiency Project, which uses an individualized case management and counseling. This also includes job programs for the under or unemployed, including CDL license classes or training. Learn how to get paid for CDL training.
- Some of the other programs developed by the Charlotte Area Fund include Manpower Training Program, Head Start, as well as free Weatherization to reduce energy bills. There is also a Credit Union and low interest salary advance loans, budgeting services, and consumer education/counseling.
The Charlotte Area Fund is located at 901 North Tryon Street in Charlotte North Carolina. Call (704) 372-3010 for more information on their services. Or more on Charlotte Area Fund.
The Crisis Assistance Ministry is another leading non-profit, “quasi” community action agency in Mecklenburg County. There is short term financial help as well as long term support arranged, including the following.
- Help with back rent rent - If you are in imminent danger of eviction, they may be able to pay some, or all of your rent. You need to be late on your payments and also to have received an eviction notification from your landlord. Individuals seeking assistance with rent are typically given an appointment.
- Mortgage assistance - They work with credit counselors to provide assistance to people who are facing a foreclosure. Home loan modifications, free mediation, FHA loans in Charlotte NC and more is offered.
- Energy bills - If you have received a disconnection notice on your utility service, they may be able to provide assistance to you with paying all or a portion of your back due payments. There will also be help turning on electric, such as funds to pay a deposit. Learn more on how to turn electricity back on with no money after disconnect.
Many other resources are available from the Ministry, including furniture from the Free Store, loans as part of Housing and Financial Stability, and more. The Crisis Assistance Ministry is located at 500-A Spratt Street in Charlotte. Phone number (704) 371-3000. Funds are limited with a strict application process. Learn more on help from Crisis Ministry.
Find free stuff from a variety of government and charity programs. Some local people in Mecklenburg County will also giveaway unwanted items. Whether it is free food or clothes, electronics or tech products or something else, all sorts of goods are offered for free - including from furniture banks and clothes closets. Find details on where to get free stuff in Charlotte NC.
Emergency assistance from the Matthews Help Center is offered too. They also provide free or low-cost stuff to the public. There is also a low cost thrift Store. They administer numerous other resources, including:
- Financial assistance program, which will help people meet life’s basic needs. There will be help for low-income families, seniors, the disabled and others. Get money for paying rent, utilities and/or medical costs. The agency operates by appointment only.
- Temporary Housing, which can provide people shelter for up to one month if they were evicted or their home was foreclosed on.
- Free clothing - Families can pick up new or gently used clothing, including work attire and clothes for school. Get underwear, adult sized clothes, items for school, backpacks and other goods.
- Baby items or diapers . The Help Center and store may give out supplies for low income parents, even including free diapers for low income families.
Other support is also for people in Mecklenburg County. Call (704) 847-8383. The address is 119 N Ames St, Matthews, NC 28105
Salvation Army social services are available. They may have funds from time to time to help pay bills.. The agency also runs a food bank, provides free holiday meals and gifts, and gives out clothes. They may have funds to help pay rent or utility bills, and help low income individuals in other ways, including free vouchers for gas or transit (including bus tickets) for a job interview in Charlotte.
- There are also free back to school supplies for students, including uniforms or Chromebooks. Or get access to transitional housing programs or free summer camps for kids. Most of the resources offered in Mecklenburg County are non-financial, however services are wide ranging.
For details, call 704.716.2769. There are multiple locations, but the main center is at 4015 Stuart Andrew Blvd, Charlotte, NC 28217. Find how to apply for help from the Charlotte NC Salvation Army.
 Good Fellows' Club is an agency that provides emergency financial aid. Money may be used for rent or paying utilities, including water bills in Charlotte. The program will help those who do not have help available from other resources. Applicants need to have an eviction or disconnection notice. Emergency funds for a hardship may be issued too. The non-profit is at 700 Parkwood Ave, Charlotte, NC 28205. Dial (704) 333-5040.
The Greater Charlotte Jewish Federation offers some referrals as well as emergency assistance to people of all religions. Some of their other resources are more focused. Examples of the services available in Mecklenburg County include a food pantry, emergency financial help to pay for housing, loans for college students, and senior care. Some of the money for paying rent or security deposits is even offered in the form of a low interest rate loan. Find more information Jewish Center of Charlotte.
Ada Jenkins Center offers numerous resources, including some that may be financial in nature. Programs include a Computer Center for use of free Internet as well as low-cost After School Tutoring. There are also free mobile medical and dental clinics including for people with no insurance, and more. There are referrals to auto repair or car repair grants, gasoline vouchers and other transportation.
- While financial help is limited, there may be grant money from time to time for paying utilities, rent, or a car repair.
- People with money that need basic needs can get free clothes, small household furniture and toiletries. Free small appliances are offered too.
The Davidson NC based non-profit can be reached at (704) 896-0471 and supports Mecklenburg County. Locate emergency help from Ada Jenkins Center.
Mooresville/Lake Norman Christian Mission will help people leave poverty. They do this by offering work skills, education including interviewing, resume writing, case management and job readiness workshops. Short term rent and utility assistance may be offered to prevent an eviction or disconnection. Other resources include a free food pantry, transitional housing, and support for the elderly and people with a disability. Call (704) 664-2357. The location is 919 N Main St, Mooresville, NC 28115.
Help for older people is available across Mecklenburg County. Senior assistance, including for those on social security, is offered. An increasing number of seniors are retiring to the Charlotte region. The Area Agency on Aging and non-profits partner to help older people. Get free medications, equipment for mobility, food, home care, and more is offered. There is also assistance for caregivers, and learn more on how seniors can get help.
Caroline Cares Partnerships offers assistance to individuals who are HIV/AIDS positive. This includes benefit advocacy such as the HOWPA program. There are also applications for emergency financial assistance for rent, utilities, or transportation to the doctor. Health care needs can be met too, such as medical, dental and prescription medications. Computer training and job search may be offered too. The office is at 1263 Arrow Pine Dr, Charlotte, NC 28273. Contact information is [email protected]
Interest free loans, whether from churches or charities in Charlotte North Carolina, can help a resident make it through a short term difficulty. There are auto dealers that give free or cheap cars (with a loan) or hardship funds too. The costs are much lower and they often have flexible payment plans in place. Find how to apply for loans that do not have interest.
Several Saint Vincent de Paul churches and Venetians in Mecklenburg County help the poor, families in poverty, and vulnerable. Based on donations, there may be low cost items sold from a thrift store; emergency financial assistance clothes; as well as workshops on shopping and heating healthy. SVDP will also give out free blankets, shelter, and hygiene supplies for the homeless; hot meals and Christmas help. Learn more on financial help from St Vincent in Mecklenburg County.
Rental assistance, including eviction prevention, is administered by several charities, the government and churches. Most of the Mecklenburg County organizations may provide emergency funds for a partial rent payment. The homeless may also be able to receive help with security deposits. Or since funding is limited, some agencies may issue a loan to help pay for housing costs in the short term. More on rent help in Charlotte and Mecklenburg County.
- Mecklenburg County transitional housing assistance is provided by a number of non-profits. Some locations can provide referrals or maybe even direct rental assistance to prevent homelessness. However many of the Charlotte area organizations administer transitional housing type units, short term homeless shelters and offer other forms of low income housing. Participants can usually work directly with a case manager. More on Charlotte housing programs.
- Rapid Rehousing-Eviction Prevention Services are provided by a few non-profits in the region. Tenants that are in rent arrears, those facing legal disputes with their landlord, and the currently homeless may all be clients. The resources from the program range from grants to motel vouchers or funds for utility bills, including water. Find Mecklenburg County homeless prevention programs.
- INLIVIAN - Housing Authority of The City of Charlotte offers more than just HUD vouchers. The non-profit may be able to provide rent help and eviction prevention from the rapid rehousing and homeless prevention program. Limited help for utilities may also be offered. Other resources include HUD section 8, Family Self-Sufficiency (FSS) and income based apartments, including private rented homes with no waiting list. The address is 400 East Blvd, Charlotte, NC 28203. Call (704)336-5183, or continue reading Housing Authority of Charlotte.
Carolina Lutheran Services focuses on homeless prevention. As part of this they operate homeless shelters and transitional housing. Much of the assistance they offer is done is in coordination with other government resources and local Charlotte housing programs. Some financial help to pay for housing is also offered.
- Call the agency for information emergency rent payment assistance programs, free motel vouchers for the night, and other support. Clients of many of these units can often have other basic needs addressed, including food and clothing. Continue with Carolina Lutheran Services.
Summer cooling assistance - When the temperature hits 90 degrees or higher, many people struggle to stay cool. In particular seniors, low income families with young children/newborns, and the disabled are most at risk from the extreme heat and humidity. Luckily there are a number of non-profit agencies, churches, and even community action agencies that may be able to help. Or look into Duke Energy payment assistance.
- Additional free items, such as AC units or repairs to one, as well as grants are provided in Charlotte during the summer. They can distribute such items as free fans or gently used air conditioners, or even cash for paying electric and cooling bills. Find free fans for colling in Charlotte.
United Way of Greater Charlotte helps arrange support in the community. Whether it is helping non-profits or struggling individuals get grant money or assisting with taxes from the VITA program, addressing educational or health needs or something else, the organization is a leader in the community with details here https://unitedwaygreaterclt.org/.
Department of Social Services (DSS) has applications to government benefits and public assistance. Everything from free money from the government to food - nutrition assistance, insurance and more is offered. Some of the programs run by the Mecklenburg County North Carolina Social Service branch include the following.
- Phone bill assistance or a free phone from Link-up, which provides low-income individuals a 50% discount if not a free device. Another option is Lifeline provides a monthly discount off the local monthly service bill. Or learn more on where to get a free phone from the government in NC.
- In addition, they administer the Weatherization as well as Low income Energy Assistance. Both can help people pay their energy bills or reduce them.
- Call them as well for referrals to emergency rent and housing programs as well as information on other programs that provide assistance for people who are experiencing an unexpected financial shortfall.
- Other low-income benefits include SNAP food stamps, cash assistance / TANF, and a number of health care and medical bill assistance programs are offered to Mecklenburg County residents as well.
All the benefits are focused on those who have insufficient resources to pay bills and that generally live in or near poverty levels. The address is 301 Billingsley Rd., Charlotte, NC 28211, Phone (704) 336-3000. More on public assistance in Mecklenburg County.
Crisis financial assistance is from DSS and the the charity CAM. Funds can be paid to people faced with a crisis. Money is available to pay housing expenses, such as rent and security deposits, as well as cash assistance can go towards paying electric and light bills. Non-profits such as the Crisis Ministry administer the program for families across Mecklenburg County and Charlotte North Carolina in partnership with the county government. Find how to apply and where to get money for paying your bills. More on emergency assistance in Mecklenburg County.
Long term support as well as transitional housing from Friendship Community Development is for women, children, and the homeless. Not only can people receive a place to stay for a period of time, but the organization offers guests other support as well. They can receive training, enter into GED classes. Or clients can get information on government rent assistance or public housing. Social workers from community development will work with clients. Continue with assistance from Friendship Community Development.
Churches and Catholic Charities help the poor. While the Mecklenburg County branches do not provide much, if any direct financial assistance, they do offer the low income other services. One of the primary resources they provide is free food from a pantry. Holiday meals, and Christmas gifts may, also be distributed to struggling people. Some programs focus on helping refugees and immigrants, in particular Hispanics. Or get referrals to public and government assistance. More on Catholic Charities Charlotte assistance programs.
Homeless to Housing Program from Community Link assists homeless individuals and families. There are varied services with eligibility requirements. If found to be eligible, an individual or family can receive help securing a rental unit or home as well as temporary rent assistance. Therefore both financial support and housing placement is arranged. There is also help to build credit to rent an apartment in Charlotte and have information on luxury homes that take section 8 vouchers for rent payments.
- Customers also receive home visitations from a social worker or housing coordinator, help accessing other community resources, and guidance to help repair credit and improve a customer's financial situation. The office is 601 East 5th Street, Charlotte, NC 28202, call (704) 943-9490 or (800) - 977-1969.
Roof Above provides short term apartments and accommodations as part of Housing Works. Many other resources are available too, including referrals from their Homeless Services Network, counseling, and assistance to the disadvantaged such as single moms. A limited, temporary cash payment or loan for a rent payment is available from the agency which was previously known as Urban Ministry. There may be some occasional funds for application fees or security deposits. More information Roof Above housing programs.
Charlotte branch of Love in the Name of Christ can provide for basic needs, with referrals to financial support. The faith based group and local churches offer everything from possible car repairs to free food and a Computer Ministry. Other programs may be home repairs for senior citizens in Mecklenburg County, Christmas toys for children, diapers from Baby Layette and more. Free vouchers for stuff are offered. Read Mecklenburg County Love Inc.
Faith based charities, churches, and religious groups are common in Mecklenburg County. They often help the poor, immigrants, unemployed, and ill. Some also offer pre or after school care for kids. A church can also be an option for referrals to financial aid, ranging from car repair programs to ESL classes, clothes, or furniture banks. Get help from Charlotte NC churches.
Find referrals to other Charlotte and Mecklenburg agencies. While Housing - United Family Services (phone (704) 332-9034) does not provide cash assistance, they partner with other local non-profits and charities that may be able to. Learn about programs for women facing DV, immigrants, transportation services and more. The address is 601 E 5th St #400, Charlotte, NC 28202.
The Urban League of Central Carolinas offers several programs to both help individuals find a job as well as to pay down debt, improve their skills and increase their income. Some of the job programs offered include Professional Adult Empowerment as well as Customized Computer Training. The center also provides free material items to low-income families who need a job, and that will often include a free bus pass or gas card to get to the work-site, uniforms, professional clothes and a car or truck
- The goal is to help the unemployed and others get back on their feet and become self-sufficient. There are programs for people reentering the work-force too. The main address is at 740 W 5th St, Charlotte, NC 28202. Dial 704-373-2256. Or click here for more details on the national Urban League organization.
Free mortgage relief, debt, and credit repair programs are widely available in the county. In persona or online debt and mortgage relief is offered. Credit.org / CCCS is a non-profit with free debt reduction plans, foreclosure prevention and counseling services. There are also programs to help pay auto loans, credit repair services as well as they help people with a bankruptcy help. Call Consumer Credit Counseling - UFS (phone ((800) 431-8157). Also, learn more on North Carolina mortgage and foreclosure prevention programs.
Alliance Credit Counseling, Inc. of Charlotte NC (Call (704) 341-1010 or (704) 943-5233) is another option. The non-profit provides counseling, bankruptcy advice, and information on how to reduce debts, such as credit card and medical. The address is 8000 Corporate Center Dr, Charlotte, NC 28226. Also, click here to find a comprehensive listing of HUD certified agencies that serve Mecklenburg and Charlotte NC area homeowners. Learn more on Charlotte foreclosure prevention services.
- Payday loan help is arranged. One of the big challenges in NC and the Charlotte area is payday lenders and predatory lenders. Individuals who take on one of these loans can get help. Learn about payday loan consolidation.
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