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Immediate Financial Assistance

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Food Pantries

Utility Bill Help

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Public and Government Assistance

Disability Benefits

Section 8 Housing and Apartments

Senior Help

Free Money

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Help with Medical Bills

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Financial assistance programs in Tennessee.

Find grants to help pay bills, financial help and social services from organizations that cover all Tennessee cities and counties listed below, including Nashville and Memphis. Learn how to apply for grant money to pay utility bills, rent, housing and other expenses from the government or charities. Or locate housing assistance programs, free daycare, or grants to help fix or pay for car payments. Locate financial help near you in TN below.

Low-income families can also get free stuff in addition to emergency assistance in Tennessee. Find everything from free gasoline cars or bus passes for work to clothes, furniture for a home or help from credit counselors on reducing debts. There are also USDA food programs and benefits for the working poor.

Get grant money to pay bills, free stuff in TN, affordable housing and financial help

Home or Cell Phone Discounts - The Tennessee Regulatory Authority partners with telephone companies to offer monthly discounts. This resource is available to certain low income families and can help them save on their bills or connection costs. Click more information on Tennessee Lifeline program.

  • Link-up and Lifeline - This government program pay for a cell phone, or gives a new device. Link-Up program will pay for one half of the installation charges for new telephone service. It covers both land lines and cellular phones. Lifeline Provides a discount on the local service portion of your monthly telephone bill. Find additional details on Lifeline. More on government telephone assistance programs.
  • Computers are available for free for low-income families, disabled and the poor on government benefits. There are resources such as ACP, Lifeline and companies that give out free desktop or laptop computers for work or educational needs. Learn how to apply for a free laptop online.

Government Assistance and Public Aid - Department of Human Services administers programs for the low income, unemployed, and working poor. Programs can assist with paying medical and health care bills, offer cash assistance for basic needs such as rent and other help. Get immediate financial help for housing, bills and more. More Tennessee public assistance.




Free Cash from Temporary Assistance for Needy Families (TANF) - Families First - This is program that pays out free money to the very low-income. TN Families First will provide temporary cash grants and benefits to families who have children or those who are experiencing financial difficulties. Hardship funds can pay for a car, housing, food, rent and more. The Families First government assistance program emphasizes training, work, and personal responsibility. Call 1-866-311-4287

Rent Payment Help - Each local community in Tennessee has several charities or government offices that help low-income tenants pay their rent. There are funds to help with apartments, private housing, mobile home lots and more. More on rental assistance programs in TN.

Temporary and Transition Housing - Residents that were evicted or are homeless have housing programs and resources available to them. In addition to a temporary place to live in Tennessee, also access job training, self-sufficiency, education, food, and other support. More on transitional housing in Tennessee.

Emergency Financial Assistance and Case Management in Tennessee - The nation’s leading non-profit organization, which is the Salvation Army, will provide advice, counseling, and immediate financial help. Find information on centers to call for help for paying electric bills, food, holiday meals and gifts, and other help. Or get free gas vouchers, substance abuse help and more. Click here Salvation Army assistance programs in Tennessee.

Food Stamp Program - Provides nutritional assistance benefits to both families and children, the disabled, elderly, unemployed and struggling, working families. Learn how to gt a free EBT card as part of SNAP benefits in Tennessee. Phone - 866-311-4287 or 1-800-356-3477.

National Charities - There are several with operations in Tennessee. They offer emergency financial help, free transportation for health-care, housing, food, and more. Find bill paying help from charities.

Housing and Social Services - The state government of Tennessee can provide qualified low income, seniors, and disabled with everything from vouchers to pay rent, free food, energy bill assistance and more. Locate emergency assistance in Tennessee.





Assistance for Seniors in Tennessee - The elderly, adults over 55, and senior citizens who have a low-income or that are on social security can get help. Agency on Aging, government grant money and other non-profits provide financial assistance, medical bill assistance, free food, home delivered meals and more. Additional details on Tennessee Agency on Aging.

Vouchers for Paying Rent - The state of Tennessee partners with HUD to provide federal government housing choice vouchers (or section 8) to low income families. The assistance can be used to pay a portion of rental expenses. Other subsidized housing may be available for seniors or the disabled. Click Tennessee section 8 HUD vouchers.

Day and Child Care - Low income and working poor families may qualify for free government vouchers and financial aid to pay for daycare. Some free vouchers are offered too. This Tennessee and federal government funded program. helps low-income families and/or single moms or dads. Subsidies and vouchers are available. Click more information on free daycare in Tennessee.

Free Legal Services for Civil Cases - Attorneys and non-profit law firms in Tennessee provide residents with access to lawyers, free legal advice, and other support. There are free lawyers in local TN communities for low-income people. Learn more on free lawyers in Tennessee.

Employment Programs and Government Grants - Community action agencies in TN will help people apply for grants for paying for basic needs, such as utilities or food. However the focus is on providing opportunities to the less fortunate, including job training, self-sufficiency, child care, and similar services. Additional details on Tennessee community action agencies.

Energy, Cooling, and Utility Bills - Find an extensive listing of grants and financial assistance programs that can help customers pay their bills. Most utility companies in Tennessee offer grants and energy conservation programs. More on Tennessee utility assistance programs.

Food Banks and Free Pantries - Dozens of distribution centers, including non-profit organizations, churches, and government run agencies will provide free food and groceries. there is support for individuals and families who need help. Learn more on Tennessee free food banks.

Eviction and homeless assistance in Tennessee - Tenants, homeowners, and the homeless can get help from the federal government Emergency Solutions Grants. Funds from non-profits can be used for paying rent, partial mortgage payments, or the security deposit on a new low income apartment. More on Tennessee eviction prevention services.




Disabled Assistance Programs - Some of what may be provided in Tennessee includes medical care, financial support, vocational job training, home care, application assistance and more benefits. Both the individual with the disability and their family may qualify for assistance and other government benefits. Find more information on Tennessee disability financial aid.

Mortgage Help and Foreclosure Prevention Assistance - Find how to get mortgage relief, foreclosure assistance, and general housing support in Tennessee. Counseling, mediation, loan modifications, and financial assistance may be offered, including low cost loans, refinancing, and immediate grants. Learn more Tennessee mortgage assistance.

  • In addition to those state run programs, federal government HUD approved housing counseling agencies can also help homeowners. Read more on Tennessee HUD counseling agencies.

Low Income Home Energy Assistance Program (LIHEAP) - The program is 100% funded by the federal government but operated locally in TN. LIHEAP grant money helps low-income, elderly and disabled households pay their utility bills. There may be financial assistance for electric, heating, gas and even air conditioning bills. It is often combined with free weatherization measures too. More on LIHEAP low income energy help in TN.Financial help in Tennessee

Free medical, health care and medications in TN

CoverKids - CoverKids is a low cost, comprehensive government health insurance plan for children age 18 and under. It is the state’s version of the federal government CHIP program. TN provides free or low cost health care as well as maternity coverage for pregnant women. There is no monthly premium to pay. Dial 855-259-0701

Access to Care - This program assists uninsured or underinsured residents of Nashville and the greater community. It will provide health/dental insurance programs based on an individuals ability to pay. This program will also assist with paying for prescription medications and provide transportation. Call 615-340-0573, or find free transportation for the disabled.

CoverRx - This helps pay for medications, including and prescriptions. CoverRx is a component of Tennessee's CoverTN healthcare coverage program. It will provide affordable prescription medications to eligible state residents. Most of the support is for the low-income as well as TN residents who do not have prescription drug benefits or coverage through their existing insurance. Dial 1-800-356-3477

Express Access Drug Discount Card - This discount drug program will provide up to 50% off generic drugs and 10% off name brand prescriptions for Tennessee residents who were disenrolled from TennCare. Find additional ways get discounted medications. Dial 615-743-2000 or 1-800-878-3192, or read more free prescription drugs.

TennCare - The Medicaid program for low-income families, the disabled and uninsured. The government benefit provides medical benefits to eligible individuals who are in need of financial help. Get basic medical, dental, transportation to the doctor and more. Coverage is offered to those families who may have no medical insurance or inadequate health insurance. Phone - 1-800-342-3145.







Health Care Centers in Tennessee and Free Clinics - Low income and people with no or limited health insurance may be able to qualify for free or inexpensive health care from clinics in Tennessee. Click here to read more on free community clinics in Tennessee.

If you need access to free or reduced priced dental care, regardless of your income and health insurance coverage, several clinics focus on offer dental assistance. Find Tennessee free dental clinics.

People who completely lack health insurance or who are underinsured have resources available to them. The state government of Tennessee offers medical care and several other organizations are also committed to assisting these patients. Read uninsured medical care in Tennessee.

Free debt help in Tennessee, budgeting, and employment services

Debt Reduction, Credit Repair, and Financial Advice - A number of resources and non-profit organizations will help individuals get out of debt. Get help to pay and reduce credit card or auto loan debts, offer housing counseling, and administer general budgeting advice. Read more free credit counseling in Tennessee.

The unemployed and residents looking to gain new skills can get help from Career Center. Career Center across Tennessee provide a number of employment services to residents. Read Tennessee free job training.

Assistance in Tennessee cities and counties

Select a county and/or city below to find local emergency (or long term) financial assistance. As each local area of TN has programs from charities, social services and other agencies that can help low-income families.

Anderson County (Clinton)

Bedford County (Shelbyville)

Benton County (Camden)

Bledsoe County (Pikeville)

Blount County (Maryville)

Bradley County (Cleveland)

Campbell County (Jacksboro)

Cannon County (Woodbury)

Carrol County (Huntingdon)

Carter County (Elizabethton)

Cheatham County (Ashland City)




Chester County (Henderson)

Claiborne County (Tazewell)

Clay County (Celina)

Cocke County (Newport)

Coffee County (Tullahoma)

Crockett County (Alamo)

Cumberland County (Crossville)

Davidson County (Nashville)

De Kalb County (Smithville)

Decatur County (Decaturville)

Dickson County (Charlotte)

Dyer County (Dyersburg)

Fayette County (Somerville)

Fentress County (Jamestown)

Franklin County (Winchester)

Gibson County (Trenton)

Giles County (Pulaski)

Grainger County (Rutledge)

Greene County (Greeneville)

Grundy County (Altamont)

Hamblen County (Morristown)

Hamilton County (Chattanooga)

Hardeman County (Bolivar)

Hardin County (Savannah)

Henry County (Paris)

Houston County (Erin)

Humphreys County (Waverly)




Jackson County (Gainesboro)

Jefferson County (Dandridge)

Knox County (Knoxville)

Lake County (Tiptonville)

Lauderdale County (Ripley)

Lawrence County (Lawrenceburg)

Lewis County (Hohenwald)

Lincoln County (Fayetteville)

Loudon County

Macon County (Lafayette)

Madison County (Jackson)

Marion County (Jasper)

Marshall County (Lewisburg)

Maury County (Columbia)

Monroe County (Madisonville)

Moore County (Lynchburg)

Montgomery County (Clarksville)

Morgan County (Wartburg)

Obion County (Union City)

Overton County (Livingston)

Pickett County (Byrdstown)

Putnam County (Cookeville)

Roane County (Kingston)

Robertson County (Springfield)

Rutherford County (Murfreesboro)

Scott County (Huntsville)

Sevier County (Sevierville)

Shelby County (Memphis)

Smith County (Carthage)

Stewart County (Dover)

Sullivan County (Blountville)

Sumner County (Gallatin)

Tipton County (Covington)

Trousdale County (Hartsville)

Union County (Maynardville)

Upper Cumberland area of Tennessee.





Van Buren (Spencer)

Warren County (McMinnville)

Washington County (Jonesborough)

Weakley County (Dresden)

White County (Sparta)

Williamson County (Franklin)

Wilson County (Lebanon)


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