Why you can trust NeedHelpPayingBills.com
NeedHelpPayingBills.com was created in 2008 with one mission: to make it easier for individuals and families that are in financial crisis or that live paycheck to paycheck, like tens of millions of Americans, to find real, practical help without needing to search through dozens of disconnected or incomplete agency websites. All information is 100% free to access (no paywalls), we collect no user information and we have no predatory or high-risk ads.
Since 2008, the site has become one of the most widely-used grassroots resources for locating free or low-cost assistance programs that operate across the United States – both locally and nationally.
The site was built through ongoing, long-term human research
Unlike many modern websites and services that try to help struggling people, most that that rely on AI-generated content or automated scraping, every page on NeedHelpPayingBills.com is the result of hands-on, manual research as well and handwritten page creation. Since 2008, and still ongoing today, tens of thousands of hours (if not more!) have been spent researching and compiling programs, verifying phone numbers, physical addresses, and contact information. We do that for local nonprofits, government benefit programs, churches, and local community-based financial assistance programs.
The listings are continually updated to remain accurate and useful. We also take any user feedback to incorporate it. The site has a strong emphasis on accessibility, clarity, and actionability, even with sitewide search features.
NeedHelpPayingBills is referenced by Government agencies, major media, and the public
This site has earned over 5,000 links from other websites and recognition from a wide array of trusted sources, including NASA.gov, CBSNew.com, CNBC.com, USDA.gov, NJ.gov and many others. Of those ~5,000 links to our site. In fact, per SEMrush some of the top domains that link to (thereby trust) NeedHelpPayingBills include the following - and these are all some of the highest rated domains in the country based on SEMrush Authority Score.
- Hundreds of government sites link to us - Over 8% of those links are from government organizations, including KY.gov, Oregon.gov, CA.gov, VA.gov and IN.gov among others.
- Over 1,000 educational sites (colleges, schools, etc.) link to us, with 22% of the links from educational institutions, including UNM.edu, UFL.edu, Purdue.edu and UKY.edu among others.
- Hundreds of media companies link to us - over 8% of the links are from media companies like CBSnew.com (national and local affiliates), Nerdwallet.com, Foxbusiness.com, USAtoday.com, Washingtonpost.com and many other leading publications.
- 12% from of the links are from finance type or financial assistance organizations, which can be a local credit union, community action agency that issues grants, or other non-profits that offer financial help such as nationaldebtrelief.com, mortgagecalculator.org, kiplinger.com, AARP.org and others.
- Dozens of medical sites also show their trust in our content and link to us, including Healthline.com, Lung.org and Lupus.org among others.
 In fact, per SEM rush out of the over 5,000 websites that link to NeedHelpPayingBills, the breakdown is below. (Data shown below is from SEMrush, a leading digital analytics platform. Some details may require a subscription to access directly.)
In addition, NeedHelpPayingBills.com has been referenced in thousands of Reddit.com threads as well as other leading user generated but content moderated sites, such as Quora. In fact, NeedHelpPayingBills has over 6,000 unique linking pages from Reddit and nearly 500 target pages shared across all different types of community discussions. This is yet another strong signal that real people continue to find the content helpful, trustworthy and credible. It is a huge signal that real people, including those facing a hardship, use, rely on and share this content:
Created by, authored and maintained by a real person
The site is operated and all content is either approved or directly written by Jon McNamara as well, who has over 15 years of experience in compiling financial aid resources, volunteer outreach, and nonprofit coordination. His LinkedIn profile provides a transparent history of his work in this space.
This is not a corporate content farm, a website scraper site or anonymous listing site. It is a public service project built by a real person for struggling families and people in real need. As the thousands of Reddit pages and hundreds of moderates communities also recognize. (Note data shown is from the google search console report for NHPB).
How we're different
- No login or paywall to access the resources. All information is 100% free to access.
- No ads for payday loans or high-risk products. No affiliate ads. All ads are clearly marked as well and provided by the largest ad companies in the world – Google, Outbrain/Teads, Ezoic and Aniview. We never monetize users through predatory tactics.
- We do not keep any user information or even ask for it, with our privacy policy here.
- No recycled SEO content, AI “filler”/”fluff” or scraped information. Every listing is typed manually, structured around usability, not keyword stuffing.
- Hyper-localized help. We cover not just national programs, but city and county level agencies, small community churches, and specialized nonprofits.
Built to serve people and not sell them anything
NeedHelpPayingBills.com exists for one reason, and that is to help people facing a hardship or just low-income people period. We ask nothing from anyone – as again the site is entirely free. Whether you’re a single mom looking for rent help, a veteran trying to avoid foreclosure, or someone recently laid off and needing food assistance, we try / want to make sure you can find help quickly, clearly, and with dignity.
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