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Payday loan alternatives

11 alternatives to triple-digit APR payday loans and free local resources to consider.

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Payday loans can be a quick solution when you’re facing an emergency or unable to cover a bill — but they aren’t your only choice. From local resources to credit unions, there are alternatives that can help you stay out of long-term debt when you’re facing short-term financial problems.

Are payday loans really that bad?

In general, yes. The price for convenience is crushing interest rates, which can be 400% or more. Fees can add up quickly, especially if you find yourself returning to payday loan centers repeatedly. When each future paycheck is going toward paying off your payday loans, you could very easily get stuck in a cycle of debt.

While some people are able to repay a payday loan and be done with it, the majority struggle to keep up — making payday loans a dangerous form of credit. In most cases, these alternatives are cheaper and less risky. For example, cash advance apps compared to payday loans offer borrowers a way to quick cash without interest or a credit check.

11 alternatives to payday loans to consider

Payday loans are notorious for high rates — and if you’re already in a financial pinch, it could create more problems. Consider these 11 alternatives before committing to a payday lender.

AlternativeHow it worksDetailsBest for …
Payday alternative loan (PAL)A PAL is an inexpensive short-term loan. It acts as an alternative to high-cost payday loans and is regulated by the National Credit Union Administration (NCUA).Amounts typically between $200 to $1,000. APRs are capped at 28% by the NCUA.People who are already members of a credit union that offers PALs and can wait multiple business days for funds.
Debt relief companies or credit counselingA credit counselor, community assistance program or other nonprofit can help you create a budget and a debt repayment plan.Can involve credit counseling, consolidation, debt management, debt settlement or bankruptcy services.People who consistently need to borrow, have difficulty budgeting or are on a limited income.
Negotiate with your creditorsContact the company and explain that you’re having trouble keeping up with your debt.Your creditor may help you create a repayment plan or extend your due date to ease your financial burden.People who need short-term relief from their current debt.
Community development financial institutions (CDFIs)Some local banks and credit unions offer small-dollar loans to all members of the communities they serve, known as CDFIs.Might require you to live in a certain area, work in a certain industry or be a member of a particular demographic to qualify for a loan.People who live near a CDFI, and have a credit score of 640+, and are cashflow positive.
Pay advance appDownload a payday app, create an account and verify income.Payday advance amount largely depend on your income, and some apps charge monthly fees.People who have steady employment and predictable income.
Debt consolidationCombine two or more debts together into one loan.Most consolidation loans are done with a personal loan or balance transfer credit card.People with high-interest debt looking to combine payments or get a lower APR.
Lending circleJoin a lending circle, decide on terms, pay into the pool and take turns borrowing.Terms are decided by the other members of the lending circle, but it’s generally considered a low-cost borrowing option.People who have a DTI under 50% and steady income.
Credit card cash advanceWithdraw money from your credit card account.Average credit card rate is around 15%, but intro periods can be 0% for a limited time.People who already have a credit card and haven’t maxed out their limit.
Employer advanceEmployer advances your paycheck. Some companies might also have financing programs for their employeesYour employer might need to participate in the program to qualify. Some also limit how much you borrow to money you’ve already made during your current pay period.People who have consistent work hours and a good relationship with their company.
Side gigsSide gigs can include ridesharing, freelancing services, delivering groceries or food, etc.Many side hustles allow you to work when you’re able and are paid hourly, such as ridesharing.People who have free time and are able to commit to a side gig.
Ask friends or family for helpConsider asking your friends or family to help cover short-term financial needs.You likely won’t have to pay interest on the money you borrow. But you may risk your relationship if you frequently ask for help but fail to repay.People who have a strong social network and can reliably repay a small loan.

Local resources by state

Select your state from the list below to see local resources that offer free financial services and help with everyday expenses.

State Resources
Alabama Alabama Department of Human Resources – Food Assistance Division The Food Assistance Division in Alabama operates the state's Food Stamp Program. If you're in an eligible low-income household, you could receive a monthly benefit to buy groceries.
  • Phone number: 334-242-1700
  • Website: dhr.alabama.gov/services/Food_Assistance/Food_Assistance_Division.aspx
  • Physical address: Alabama Department of Human Resources. Food Assistance Division 50 North Ripley St. Montgomery, AL 36130
Alabama Medicaid Agency Using the federally funded program Medicaid, the Alabama Medicaid Agency provides funding for medical and healthcare services for eligible citizens with limited resources. Low income families and expecting mothers, long-term care residents, and disabled residents all qualify.
  • Phone number: 334-242-5000
  • Physical address: Alabama Medicaid Agency P.O. Box 5624 Montgomery, AL 36103-5624
Low Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling costs through inexpensive weatherization services.
  • Phone number: 877-688-3328
  • Website: www.adeca.alabama.gov/Divisions/energy/Pages/EnergyAssistance.aspx
  • Physical address: Debt Reduction Services Corporate Headquarters 6213 N. Cloverdale Rd. Suite 100 Boise, ID 83713
Alaska Food Stamp Program This federal and state funded program offers food assistance to eligible households in Alaska.
  • Phone number: 907-465-3347
  • Website: dhss.alaska.gov/dpa/Pages/fstamps/default.aspx
  • Physical address: Alaskan Food Stamp Program PO Box 110640 Juneau, AK 99811-0640
Heating Assistance Program The Heating Assistance Program (HAP) offers renters and homeowners in Alaska financial aid with regard to heating expenses.
  • Phone number: 800-470-3058 888-804-6330
  • Website: dhss.alaska.gov/dpa/Pages/hap/default.aspx
  • Physical address: HAP 350 Main Street, Suite 317 Juneau, AK 99811-1700
General Relief Assistance (GRA) General Relief Assistance (GRA) can help to provide food, shelter, utilities, and other basic needs for those experiencing financial crises.
  • Phone number: 1-907-465-3347 1-800-478-3537
  • Website: dhss.alaska.gov/dpa/Pages/gra/default.aspx
  • Physical address: Division of Public Assistance 10002 Glacier Hwy, Suite 200 Juneau, AK 99801
Alaska Temporary Assistance Program (ATAP) This program aids low-income families in Alaska to meet basic needs though employment services and cash assistance.
  • Phone number: 1-907-465-3347
  • Website: dhss.alaska.gov/dpa/Pages/atap/default.aspx
  • Physical address: ATAP PO Box 110640 Juneau, AK 99811-0640
Arizona Cash Assistance Program If you are an eligible low-income family with children, Arizona's Cash Assistance Program can provide support programs and temporary cash benefits to help meet basic needs.
  • Phone number: 1-602-542-9935 1-800-352-8401
  • Website: www1.nyc.gov/site/dhs/index.page
  • Physical address: Dept of Economic Security PO Box 23167 Phoenix, AZ 85063
Low Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through inexpensive weatherization services.
  • Phone number: 1-602-262-4520
  • Website: des.az.gov/services/aging-and-adult/community-services/energy-assistance
  • Physical address: City of Phoenix Human Services 200 W. Washington St. 18th Floor Phoenix, AZ 85003
Arkansas Home Energy Assistance Program (HEAP) Home Energy Assistance Program (HEAP) helps eligilbe households with the cost of heating and cooling their homes. If you are low-income, disabled, or an elderly resident, you could be eligible for utility benefits or inexpensive weatherization services to reduce your future energy costs.
  • Phone number: 1-501-682-8715 1-800-482-8988
  • Website: www.arkansas.gov/
  • Physical address: Arkansas Department of Human Services, Slot S330 PO Box 1437 Little Rock AR 72203-1437
Food Stamp Program The federal and state funded Food Stamp Program provides eligible households with food assistance through Electronic Benefits transfer (EBT). If you're in an eligible low-income household, you could receive these benefits to cover a portion of your food cost.
  • Phone number: 1-800-482-8988 1-501-682-8233
  • Website: humanservices.arkansas.gov/dco/Pages/SupportServices.aspx
  • Physical address: Arkansas Dept. of Human Services Customer Service Unit, PO Box 1437 Slot S340 Little Rock, AR 72203-1437
California California Work Opportunity and Responsibility to Kids (CalWORKs) CalWORKS operates a state-wide welfare program. This program provides cash assistance to cover the basic needs of low-income families. Eligible Californians can receive either short-term or ongoing monthly assistance to cover the costs of medical expenses, food, shelter, and utilities.
  • Phone number: 866-613-3777
  • Website: www.cdss.ca.gov/CalWORKS
  • Physical address: CalWorks Metro Family, 2315 S. Grand Ave, Los Angeles, CA 90007
Cash Assistance Program for Immigrants (CAPI) If you are a legal non-citizen who is not eligible for Supplemental Social Security Income or State Supplemental Payment the Cash Assistance Program for Immigrants (CAPI) can provide you with cash to help cover your basic needs.
  • Phone number: 866-613-3777 310-258-7400 626-569-1399
  • Website: dpss.lacounty.gov/wps/portal/dpss
  • Physical address: CAPI Wilshire Office, 2415 W 6th St. Los Angeles, CA 90057
Food Stamp Program (CalFresh) CalFresh in California operates the state's Food Stamp Program. If you're in an eligible low-income household, you could receive a monthly benefit to buy groceries.
Colorado Low Income Energy and Heating Assistance (LEAP) Through the months of Novermber to May, Colorado's Low Income Energy and Heating Assistance helps low-income residents with the cost of their energy needs.
  • Phone number: 1-303-866-5700 1-720-944-3666
  • Website: sites.google.com/a/state.co.us/cdhs-leap/
  • Physical address: Dept. of Human Services-Denver, 1200 Federal Boulevard Denver, CO 80204
Connecticut Food Stamp Program Connecticut's Food Stamp Program provides eligible low-income residents with a monthly Electronic Benefits transfer (EBT) to cover a portion of your food cost.
  • Phone number: 1-800-842-1508
  • Website: portal.ct.gov/dss
  • Physical address: The Department of Social Service, 25 Sigourney Street Hartford, CT 06106-5033
Connecticut's Winter Heating Assistance Program Connecticut's Winter Heating Assistance Program helps eligible households with the cost of heating their homes. Homeowners and renters can both be eligible for assistance in paying for a household's primary heating source or for weatherization services.
  • Phone number: 1-800-842-1132
  • Website: portal.ct.gov/dss
  • Physical address: Department of Social Services, 25 Sigourney Street Hartford, CT 06106-5033
Delaware Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
  • Phone number: 1-302-255-9500 1-800-464-4357
  • Website: www.dhss.delaware.gov/dss/tanf.html
  • Physical address: TANF, 1901 N. Du Pont Highway, Lewis Bldg. New Castle, DE 19720
Food Supplement Program Using the Delaware Food First Card, the Food Supplement Program provides monthly benefits to low-income families to buy nutritious foods directly from the grocery store.
  • Phone number: 1-302-255-9668
  • Website: www.dhss.delaware.gov/dhss/dss/foodstamps.html
  • Physical address: Division of Social Services, 1901 N. Du Pont Highway, Lewis Bldg. New Castle, DE 19720 Compare 8 financial assistance programs in Delaware
Florida Florida Food Assistance Program This program aids low-income households in Florida afford nutritious food through financial assistance.
  • Phone number: 1-866-762-2237
  • Website: www.myflfamilies.com/service-programs/access-florida-food-medical-assistance-cash/food-assistance-and-suncap
  • Physical address: ACCESS, Central Mail Center PO Box 5200 Tallahassee, FL 32314-5200
Georgia HomeSafe Georgia HomeSafe Georgia assists unemployed residents and those whose income has significantly decreased by providing temporary mortgage assistance.
  • Phone number: 1-877-519-4443 1-770-806-2100
  • Website: www.homesafegeorgia.com
  • Physical address: HomeSafe Georgia Georgia Dept of Community Affairs, 60 Executive Park South Atlanta, GA 30329-2231
Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services.
  • Phone number: 1-800-869-1150 1-404-463-7259
  • Website: dfcs.georgia.gov/low-income-home-energy-assistance-program-liheap
  • Physical address: Energy Assistance Program (LIHEAP), Two Peachtree Street, NW, Suite 29-250 Atlanta, GA 30303-3181
Medicaid The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.
  • Phone number: 1-800-766-4456 1-404-647-5468
  • Website: dch.georgia.gov/medicaid
  • Physical address: Medicaid Office Location- Georgia Department of Community Health 2 Peachtree Street, NW Atlanta, GA 30303
Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
  • Phone number: 1-800-869-1150
  • Website: dfcs.georgia.gov/tanf-eligibility-requirements
  • Physical address: Temporary Assistance for Needy Families(TANF)- Department of Human Services, Two Peachtree Street, NW, Suite 29-250 Atlanta, GA 30303-3181
Heating Energy Assistance Team (H.E.A.T.) Heating Energy Assistance Team (H.E.A.T) assists eligible low-income Georgia residents pay for their utilities through direct collaboration with the community, energy companies, and other organizations.
  • Phone number: 1-678-406-0212
  • Website: www.heatga.org
  • Physical address: H.E.A.T. Inc. 2167 Northlake Parkway, Suite 103 Tucker, GA 30084
Hawaii LIHEAP in Hawaii Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services.
  • Phone number: 1-808-586-5734
  • Website: humanservices.hawaii.gov/bessd/liheap/
  • Physical address: BESSD/FAP/LIHEAP Benefit, Employment, and Support Services Division Financial Assistance Office 820 Mililani Street, Suite 606 Honolulu, Hawaii 96813
SNAP The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides monthly funding through an EBT card to low income households and unemployed residents to buy nutritious food.
  • Phone number: 1-808-586-4997
  • Website: humanservices.hawaii.gov/bessd/snap/
  • Physical address: SNAP- Director's Office 1390 Miller Street, Room 209 Honolulu, HI 96813
Idaho Ada County Indigent Services Ada County Indigent Services operates a county-wide welfare service. This program provides assistance to cover the basic needs of low-income families including medical bills and rent.
  • Phone number: 1-208-287-7960
  • Website: adacounty.id.gov/Indigent-Services
  • Physical address: Ada County Welfare Dept, 200 West Front St. Suite 3131, Boise, ID 83702
2-1-1 Idaho CareLine, Information and Referral- Boise (Westgate) Office The 2-1-1 Idaho CareLine database includes resources and programs available for those looking for assistance with rent, utility costs, medical care, food benefits and more.
  • Phone number: 1-877-456-1233 1-800-926-2588
  • Website: www.211.idaho.gov
  • Physical address: 2-1-1 Idaho, 1720 Westgate Dr, Boise, ID 83704
Illinois Illinois Home Weatherization Assistance Program (IHWAP) Illinois Home Weatherization Assistance Program (IHWAP) helps eligible households with the cost of heating and cooling their homes through inexpensive weatherization services to reduce your future energy costs.
  • Phone number: 1-877-411-9276
  • Website: www.illinois.gov/dceo/CommunityServices/HomeWeatherization/Pages/default.aspx
  • Physical address: The Illinois Home Weatherization Assistance Program (IHWAP), 500 E Monroe Springfield, IL 62701 Chicago, Illinois 60604
DHS Temporary Assistance for Needy Families Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
  • Phone number: 1-800-843-6154
  • Website: www.dhs.state.il.us/page.aspx?item=30358
  • Physical address: Department of Human Services Main Office(TANF) – Springfield Administrative Offices 100 S Grand Avenue East Springfield, IL 62704
The Idaho Foodbank Using donations and funding through the help of corporations, nonprofits and government organizations the this Food Bank service helps by providing food, support services and information to low-income and unemployed individuals.
  • Phone number: 208-336-9643
  • Website: www.idahofoodbank.org
  • Physical address: Idaho Foodbank, 3562 So. TK Ave. Boise, ID 83705
Indiana Low Income Energy Assistance Program Between mid November and May, the Low Income Energy Assistance Program helps eligible individuals and households in meeting their energy needs through financial assistance.
  • Phone number: 1-800-872-0371 1-202-429-8855
  • Website: www.in.gov/ihcda/2329.htm
  • Physical address: Low Income Energy Assistance Program, 1016 West Edge Mall Suite 420 Auburn, IN 46706
Community Harvest Food Bank Community Harvest Food Bank of northeast Indiana provide food for those in need through donations from their network of donors, churches and more.
  • Phone number: 1-888-774-1465 1-219-447-3696
  • Website: www.communityharvest.org/
  • Physical address: Community Harvest, 999 East Tillman Road Fort Wayne, IN 46816
Iowa Food Assistance Program The Food Assistance program offers healthy food to low income families in need to promote proper nutrition.
  • Phone number: 1-877-YES-FOOD 1-515-725-2600
  • Website: dhs.iowa.gov/food-assistance
  • Physical address: Food Assistance Program- Polk County DHS, River place 2309 Euclid Ave Des Moines, IA 50310
Family Investment Program (FIP) This program offers families in the transition from low income to self-sufficient with cash assistance to insure that children can remain cared for by their family.
  • Phone number: 1-515-281-4848 1-800-972-2017
  • Website: dhs.iowa.gov/cash-assistance
  • Physical address: Family Investment Program(FIP)- Iowa Dept of Human Services 1305 E. Walnut, Des Moines, IA 50319-0114
LIHEAP in Iowa Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services.
  • Phone number: 1-515-281-0859
  • Website: humanrights.iowa.gov/dcaa/liheap
  • Physical address: LIHEAP Iowa Department of Human Rights/D.C.A.A.Lucas State Office Building Des Moines, IA 50319
Kansas Kansas Department of Children and Families The Kansas Department of Children and Families provides financial assistance to parents or guardians who require child care and are unable to cover the cost themselves.
  • Phone number: 1-888-369-4777 1-888-757-2445
  • Website: www.dcf.ks.gov/Pages/default.aspx
  • Physical address: Kansas Department for Children and Families Office of the Secretary 915 SW Harrison Street Topeka, Kansas 66612
Food Assistance Program The Food Assistance program offers healthy food to the hungry and low income families in need to promote proper nutrition.
  • Phone number: 1-888-369-4777 1-800-997-6666
  • Website: www.dcf.ks.gov/services/ees/Pages/Food/FoodAssistance.aspx
  • Physical address: Kansas Food Assistance Program, 915 SW Harrison St., Topeka, KS 66612
The Successful Families Program The Successful Families Program provides support and employment services, as well as cash assistance to eligible low income families.
  • Phone number: 1-888-369-4777
  • Website: www.dcf.ks.gov/services/ees/Pages/Cash/TAF.aspx
  • Physical address: The Successful Family Program, 915 SW Harrison St., Topeka, KS 66612
Low Income Energy Assistance Program (LIEAP) Low Income Energy Assistance Program (LIEAP) aims to assist residents with home heating and cooling cost. If you are low income, disabled or elderly you may be eligible for a financial benefit to cover a portion of your yearly energy needs.
  • Phone number: 1-800-432-0043
  • Website: www.dcf.ks.gov/services/ees/Pages/Energy/EnergyAssistance.aspx
  • Physical address: Kansas Energy Division, Kansas Corporation Commission, 1500 SW Arrowhead Road, Topeka, KS 66604-4074
Kansas HealthWave This program offers Kansas residents low-cost health coverage for children and their parents. This program may also cover the cost of existing medical bills.
  • Phone number: 1-800-792-4884 1-800-792-4292
  • Website: www.kancare.ks.gov/apply.htm
  • Physical address: Kansas HealthWave, P.O. Box 3599
Topeka, KS 66601 The Kansas Weatherization Assistance Program (K-WAP) Qualified households in Kansas can lower the cost of their energy bills through weatherization efforts provided by the Kansas Weatherization Assistance Program (K-WAP).
  • Phone number: 1-800-752-4422 1-785-217-2001
  • Website: www.kshousingcorp.org/weatherization.aspx
  • Physical address: Kansas Weatherization Assistance Program (KWAP), 611 S. Kansas Avenue, Suite 300 Topeka, KS 66603-3803
Kentucky Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
  • Phone number: 1-502-564-7050
  • Website: chfs.ky.gov/dcbs/dfs/foodstampsebt.htm
  • Physical address: Supplemental Nutrition Assistance Program (SNAP), 275 E. Main St., 3E-I
Frankfort, KY 40621 The Low Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services.
  • Phone number: 1-502-564-3440 1-800-456-3452
  • Website: chfs.ky.gov/dcbs/dfs/liheap.htm
  • Physical address: LIHEAP, 275 E. Main St., 3E-I Frankfort, KY 40621
Louisiana Family Independence Temporary Assistance Program (FITAP) This temporary assistance program offers low-income families with children cash assistance to meet their basic needs.
  • Phone number: 1-225-342-2346 1-888-524-3578
  • Website: www.dss.state.la.us/index.cfm?md=pagebuilder&tmp=home&pid=139
  • Physical address: FITAP, 627 N. Fourth St. Baton Rouge, LA 70802
Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
  • Phone number: 1-800-221-5689 1-225-219-0351
  • Website: www.dss.state.la.us/index.cfm?md=pagebuilder&tmp=home&pid=93
  • Physical address: SNAP, Southern University Agricultural Research & Extension Center P.O. Box 10010 Baton Rouge, LA 70813
Temporary Assistance to Needy Families Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
  • Phone number: 1-225-342-3950 1-800-706-8263
  • Website: www.dcfs.louisiana.gov/index.cfm?md=pagebuilder&tmp=home&nid=207&pnid=158&pid=56
  • Physical address: Temporary Assistance to Needy Families 1201 North Third Street Commissioners Office, Suite 7-230
Maine Low Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist homeowners or renters who are low-income, disabled, or elderly residents with home heating cost.
  • Phone number: 1-207-624-5708 1-207-626-4603
  • Website: http://www.mainehousing.org/programs-services/energy/energydetails/low-income-assistance-plan
  • Physical address: LIHEAP, 353 Water Street, Augusta Maine 04330
Western Maine Community Action Fuel/Energy Assistance Program Low income individuals in the western Maine area may qualify for financial assistance in paying their energy bills through the Fuel Assistance Program.
  • Phone number: 1-800-645-9396 1-207-645-3764
  • Website: www.thecommunityconnector.org/directory/profile/western-maine-community-action-fuelenergy-assistance-program/category/agenciesorganizations-with-housing-programs
  • Physical address: Western Maine Community Action Fuel/ EAP, PO Box 200 East Wilton, ME 04234
Alternative Aid Assistance Alternative Aid Assistance offers employment services and temporary financial benefits through vouchers worth up to the equivalent of three months of TANF benefits.
  • Phone number: 1-800-442-6003 1-207-624-4168
  • Website: www.maine.gov/dhhs/ofi/index.html
  • Physical address: Alternative Aid Assistance, 11 State House Station Whitten Road Augusta, ME 04333
Parents as Scholars Parents attending a two to four year postsecondary programs may qualify for a monthly financial benefit through the Parents as Scholars program.
  • Phone number: 1-800-452-1926 1-207-624-8000
  • Website: www.maine.gov/dhhs/ofi/index.html
  • Physical address: Parents as Scholars 219 Capitol Street Augusta, ME 04333
Maryland Temporary Cash Assistance This program administers cash assistance benefits to eligible low-income families with dependents to meet basic needs. This program aims to further provide preparation programs to ensure cash assistance is a temporary solution.
  • Phone number: 1-800-332-6347
  • Website: dhr.maryland.gov/weathering-tough-times/temporary-cash-assistance/
  • Physical address: Temporary Cash Assistance 311 West Saratoga Street, Baltimore, MD 21201
Emergency Assistance to Families with Children (EAFC) If you have dependent child you may be eligible for emergency cash assistance for the use of bills, rent, or emergencies through the Emergency Assistance to Families with Children (EAFC) program.
  • Phone number: 1-800-332-6347
  • Website: dhr.maryland.gov/weathering-tough-times/emergency-assistance/
  • Physical address: DHR Constituent Services Unit 311 West Saratoga Street Baltimore, MD 21201
Maryland Energy Assistance Program (MEAP) The Maryland Energy Assistance Program (MEAP) helps eligible households with their energy costs.
  • Phone number: 1-800-352-1446
  • Website: dhr.maryland.gov/office-of-home-energy-programs/
  • Physical address: Office of Home Energy Programs 311 West Saratoga St. Baltimore, MD 21201
Food Supplement Program (FSP) The Food Supplement Program (FSP) is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
  • Phone number: 1-800-332-6347
  • Website: dhr.maryland.gov/food-supplement-program/
  • Physical address: Food Supplement Program 311 West Saratoga Street, Baltimore, MD 21201
Massachusetts SNAP, the Supplemental Nutrition Assistance Program The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
  • Phone number: 1-800-249-2007
  • Website: www.mass.gov/snap-benefits-food-stamps
  • Physical address: SNAP, Department of Transitional Assistance 600 Washington Street Boston, MA 02111
Transitional Aid to Families with Dependent Children (TAFDC) Sometimes known as welfare, TAFDC offers cash benefits and health insurance to low income families with children to insure that basic needs are being met.
  • Phone number: 1-800-249-2007 1-800-445-6604
  • Website: www.mass.gov/service-details/check-eligibility-for-tafdc
  • Physical address: TAFDC, Department of Transitional Assistance600 Washington St. Boston, MA 02111
Michigan Michigan Home Heating Assistance Programs This list provided by the Departments of Human Services in Michigan gives residents access to a variety of financial assistance programs with relation to home energy costs.
  • Phone number: 1-800-450-7260
  • Website: www.michigan.gov/mdhhs/0,5885,7-339-71547_5531_62128—,00.html
  • Physical address: Department of Human Services 235 S. Grand Ave. P.O. Box 30037 Lansing, Michigan 48909
Project FRESH – Farmer's Market Nutrition Program Project FRESH provides low-income and hungry residents with locally grown produce.
  • Phone number: 1-517-373-3740 1-517-335-9030
  • Website: www.michigan.gov/mdhhs/0,5885,7-339-71547_4910_4921—,00.html
  • Physical address: Project Fresh, Capitol View Building 201 Townsend Street Lansing, Michigan 48913
Weatherization Assistance Program (WAP) Weatherization Assistance Program (WAP) aims to assist low-income homeowners and renters with their heating costs through free weatherization services.
  • Phone number: 1-517-373-2035
  • Website: energy.gov/eere/wipo/weatherization-and-intergovernmental-programs-office
  • Physical address: Department of Human Services P.O. Box 30037 Lansing, Michigan 48909
Michigan Medicare/Medicaid Assistance Program (MMAP) The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.
  • Phone number: 1-800-803-7174
  • Website: mmapinc.org/
  • Physical address: MMAP, 6105 West St. Joseph Suite 204 Lansing, MI. 48917-4850
Minnesota Energy Assistance Program The Energy Assistance Program (EAP) aims to assist low-income homeowners and renters with their heating costs through financial benefits
  • Phone number: 1-800-657-3710 1-651-539-1882
  • Website: accel.minnesotaenergyresources.com/home/lieap.aspx
  • Physical address: Minnesota Department of Commerce Division of Energy Resources 85 7th Place East, Suite 500 St. Paul, MN 55101
Food Support Program The programs assiciated with Minnesota's Food Support Program all offer food assistance to low income households and individuals.
  • Phone number: 1-800-657-3698 1-888-711-1151
  • Website: mn.gov/dhs/partners-and-providers/program-overviews/economic-supports-cash-food/
  • Physical address: Food Support Program PO Box 64979 St. Paul, MN 55164-0979
    • Medical Assistance The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.
  • Phone number: 1-651-431-2670 1-800-657-3739
  • Website: mn.gov/dhs/
  • Physical address: Please reference website for your nearest location
    		•
    Mississippi TANF – Temporary Assistance for Needy Families Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families with children up to the age of 18. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
    • Phone number: 1-800-345-6347 1-601-359-4500
    • Website: www.mdhs.ms.gov/temporary-assistance-for-needy-families-(tanf)/
    • Physical address: TANF, Mississippi Department of Human Services 750 North State St., Jackson, MS 39202
    Division of Economic Assistance Food Stamps Program The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps, coordinated state-wide through the Mississippi Department of Human Services. This program provides funding to low income households and the unemployed to buy nutritious food.
    • Phone number: 1-800-948-3050 1-601-359-4419
    • Website: www.mdhs.state.ms.us/supplemental-nutrition-assistance-program-%28snap%29/
    • Physical address: SNAP, Missippi Department of Human Services 750 North State Street Jackson, MS 39202
    Missouri Food Stamps The federal and state funded Food Stamp Program provides eligible households with food assistance through Missouri Electronic Benefits transfer (EBT). If you're in an eligible low-income household, you could receive these benefits to cover a portion of your food cost.
  • Phone number: 1-573-522-8024 1-855-373-4636
  • Physical address: Food Stamps, 221 West High Street P.O. Box 1527 Jefferson City, MO 65102-1527
    • Low Income Home Energy Assistance Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating cost through financial assistance from October up to and including March.
    • Phone number: 1-573-522-8024
    • Website: dss.mo.gov/fsd/energy-assistance/index.htm
    • Physical address: LIHEAP- Missouri Department of Social Services, 221 West High Street P.O. Box 1527 Jefferson City, MO 65102-1527
    Montana Low-Income Energy Assistance Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating cost through financial assistance.
  • Phone number: 1-800-332-2272 1-406-444-5622
  • Website: dphhs.mt.gov/hcsd/energyassistance
  • Physical address: Montana Public Health and Human Services- LIHEAPPO Box 4210 , Helena MT 59604-4210
    • Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
    • Phone number: 1-866-850-1556 1-406-444–1788
    • Website: dphhs.mt.gov/hcsd/snap/index
    • Physical address: SNAPHuman & Community Services Division111 N Jackson Street PO Bo 202925 Helena, MT 59620-5902
    Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution and is only available for up to 60 months.
    • Phone number: 1-406-444-1917 1-800-332-2272
    • Website: dphhs.mt.gov/hcsd/tanf/tanfeligibility
    • Physical address: Temporary Assistance for Needy Families (TANF) 206 N. Broadway Red Lodge, MT 59068
    Nebraska Nebraska Low Income Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services.
    • Phone number: 1-402-471-3121 1-800-254-4202
    • Website: dhhs.ne.gov/children_family_services/Pages/fia_energy.aspx
    • Physical address: Nebraska Department of Health & Human Services 301 Centennial Mall South, Lincoln, Nebraska 68509
    Supplemental Nutrition Assistance Program (SNAP) {formerly Food Stamps} The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
    • Phone number: 1-402-323-3900 1-800-383-4278
    • Website: dhhs.ne.gov/children_family_services/Pages/fia_fstamps.aspx
    • Physical address: SNAP, Nebraska Department of Health & Human Services 301 Centennial Mall South, Lincoln, Nebraska 68509
    Nevada The Community Food Bank of Clark County The Community Food Bank of Clark County service helps by providing food to low-income Las Vegas residents and unemployed individuals.
    • Phone number: 1-702-643-0074
    • Website: www.homelessshelterdirectory.org/cgi-bin/id/foodbank.cgi?foodbank=2315
    • Physical address: Community Food Bank Clark County, 4168 N Pecos Rd Las Vegas, NV 89115
    Energy/Utilities Emergency Assistance Nevada provides two programs to help reduce the cost of utilites. If you are eligible, these programs can offer financial assistance by covering a portion of your energy bill, or can offer weatherization services to reduce your future energy costs.
    • Phone number: 1-775-684-0731 1-800-992-0900
    • Website: www.nvenergy.com/home/assistance/nvenergyconnection.cfm
    • Physical address: State of Nevada Energy Assistance Program, 1470 E. College Parkway Carson City, NV 89706
    Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
    • Phone number: 1-775-684-0800
    • Website: dwss.nv.gov/?TANF.html
    • Physical address: Temporary Assistance for Needy Families (TANF) 2533 North Carson Street, Suite 200 Carson City, NV 89706
    Emergency Cash Assistance Program In Nebraska, families with children can qualify for cash assistance in times of emergency from the Emergency Cash Assistance Program.
    • Phone number: 1-402-471-3121
    • Website: dhhs.ne.gov/children_family_services/Pages/fia_emergencyassist.aspx
    • Physical address: Emergency Cash Assistance Program P.O. Box 95044 Lincoln, NE 68509-5044
    New Hampshire Medicaid Program The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.
    • Phone number: 1-603-271-4344 1-800-852-3345 x4344
    • Website: www.dhhs.nh.gov/ombp/medicaid/index.htm#about
    • Physical address: Medicaid Program, Dept of Health and Human Services 97 Pleasant Street Concord, NH 03301
    Food Stamp Program The federal and state funded Food Stamp Program provides eligible households with food assistance through monthly food benefits. If you're in an eligible low-income household, you could receive these benefits to cover a portion of your food cost.
    • Phone number: 1-603-271-9700 1-800-852-3345 x9700
    • Website: www.dhhs.nh.gov/dfa/foodstamps/index.htm
    • Physical address: Food Stamp Program Division of Family Assistance NH Department of Health & Human Services 129 Pleasant Street Concord, NH 03301
    Fuel Assistance Program (FAP) The New Hampshire Fuel Assistance Program (FAP) assists eligible low income residents with financial aid regarding energy costs, as well as emergency services such as fuel delivery.
    • Phone number: 1-603-271-2155 1-603-271-2615
    • Website: www.nh.gov/osi/energy/programs/fuel-assistance/
    • Physical address: NH Office of Energy and Planning Governor Hugh J. Gallen State Office Park Johnson Hall, 3rd Floor 107 Pleasant Street Concord, NH 03301
    New Jersey New Jersey Food Stamps The federal and state funded Food Stamp Program provides eligible households with food assistance through monthly food benefits. If you're in an eligible low-income household, you could receive these benefits to cover a portion of your food cost.
    • Phone number: 1-856-582-9200 1-800-687-9512
    • Website: www.nj.gov/humanservices/dfd/programs/njsnap/
    • Physical address: New Jersey Food Stamps, 400 Holly Dell Dr Sewell, NJ 08080
    New Jersey Energy Assistance The New Jersey Energy Assistance program aims to assist low-income residents with home heating and cooling cost through financial assistance and emergency energy services.
    • Phone number: 1-866-240-1347
    • Website: www.state.nj.us/dca/divisions/dhcr/offices/eap.html
    • Physical address: New Jersey Energy Assistance Department of Community Affairs PO Box 800 Trenton, NJ 08625-0800
    New Mexico Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
    • Phone number: 1-888-473-3676
    • Website: www.hsd.state.nm.us/LookingForAssistance/Temporary_Assistance_for_Needy_Families.aspx
    • Physical address: TANF, New Mexico Human Services Dept. 2009 S. Pacheco, Pollon Plaza • Santa Fe, NM 87504
    Supplemental Security Income (SSI) If you are disabled, blind, or over the age of 65 with little to no income you could be eligible for Supplemental Security Income (SSI). This program is a financial assistance program that is federally funded for those who demonstrate a financial need and are unable to provide for themselves.
    • Phone number: 1-800-772-1213
    • Website: www.sharenm.org/knowledgebase/resourceAssistanceTopic.php?topic=3025
    • Physical address: SSI, NM Office 4300 Cutler NE Albuquerque, New Mexico 87110
    Low Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and crisis services for those needing immediate utility services.
    • Phone number: 1-800-283-4465
    • Website: www.hsd.state.nm.us/LookingForAssistance/Low_Income_Home_Energy_Assistance_Program.aspx
    • Physical address: LIHEAP, Human Services Department P.O. Box 2348 Pollon Plaza Santa Fe, NM 87504-2348
    Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps, coordinated state-wide through the New Mexico Department of Human Services. This program provides funding to low income households and the unemployed to buy nutritious food.
  • Phone number: 1-800-432-6217 1-877-993-3637
  • Website: www.hsd.state.nm.us/LookingForAssistance/Supplemental_Nutrition_Assistance_Program__SNAP_.aspx
  • Physical address: SNAP, New Mexico Human Services Dept. 2009 S. Pacheco Pollon Plaza Santa Fe, NM 87504
    • New Mexico Energy $mart Program The New Mexico Energy $mart Program offers free weatherization services for low income renters and homeowners to reduce their energy costs.
    • Phone number: 1-505-345-4949 1-855-345-4949
    • Website: www.housingnm.org/homeowners/energysmart/
    • Physical address: Central NM Housing Corporation, 703 Osuna Road NE, Suite #2 Albuqurque, NM 87113
    New York Food Bank for New York City Using donations and funding through the help of corporations, nonprofits and government organizations this food bank service helps by providing food, support services and information to low-income and unemployed individuals across New York City.
    • Phone number: 1-866-NYC-FOOD
    • Website: www.foodbanknyc.org/
    • Physical address: Food Bank for New York City, 39 Broadway, New York, NY 10006
    Home Energy Assistance Program (HEAP) Home Energy Assistance Program (HEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling costs through financial assistance and crisis services for those needing immediate utility services.
    • Phone number: 800-342-3009 845-452-2700
    • Website: otda.ny.gov/programs/heap/
    • Physical address: HRA/HEAP P.O. Box 1401 Church Street Station New York, NY 10008
    The Earned Income Tax Credit If you have a low or moderate income and are a resident of New York, you could qualify for tax credits to offset a portion of your taxes provided by the Federal, New York State, and New York City Earned Income Tax Credits (EITCs).
    • Phone number: 518-434-3100
    • Website: otda.ny.gov/workingfamilies/taxcredits.asp
    • Physical address: The Earned Income Tax Credit P.O. Box 7113 Albany, NY 12224
    Medicaid The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.
    • Phone number: 866-881-2809
    • Website: www.health.ny.gov/health_care/medicaid/#definition
    • Physical address: Medicaid Initial Eligibility Unit HRA/Medical Assistance Program P.O. Box 2798 New York, NY 10117-2273
    North Carolina Low Income Energy Assistance Program Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling costs through yearly financial assistance and crisis services for those needing immediate utility services.
    • Phone number: 919-733-9370 800-688-6696
    • Website: www.dhhs.state.nc.us/dss/energy/index.htm
    • Physical address: DHHS Mailing Address 2001 Mail Service Center Raleigh, NC 27699-2001
    North Carolina Food and Nutrition Services Food and Nutrition Services (FNS) runs the North Carolina division of the Food Stamp Program which aims to provide eligible households with food assistance through monthly food benefits. If you're in an eligible low-income household, you could receive these benefits to cover a portion of your food cost.
    • Phone number: 919-733-9370 919-527-6335
    • Website: www.ncdhhs.gov/assistance/low-income-services/food-nutrition-services-food-stamps
    • Physical address: North Carolina Food and Nutrition Services (FNS) NC Division of Social Services 2401 Mail Service Center Raleigh, NC 27699-2401
    Emergency Assistance If your family is experiencing a financial emergency you may be eligible for financial aid through the Emergency Assistance program of North Carolina.
    • Phone number: 919-527-6300 919-527-6335
    • Physical address: Division of Social Services Albemarle Building 8th Floor 325 N. Salisbury St. Raleigh, NC 27601
    Crisis Intervention Program To help families with their heating and cooling needs, the Crisis Intervention Program (CIP) provides assistance in times of energy related emergencies.
    • Phone number: 919-733-3055 919-855-3200
    • Website: www.dhhs.state.nc.us/dss/crisis/index.htm
    • Physical address: NC DHHS Division of Social Services Albemarle Building 8th Floor 325 N. Salisbury St. Raleigh, NC 27601
    North Dakota Supplemental Nutrition Assistance Program The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formerly known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
    • Phone number: 701-328-2332 800-755-2716
    • Website: www.nd.gov/dhs/services/financialhelp/foodstamps.html
    • Physical address: Supplemental Nutrition Assistance Program (SNAP) Economic Assistance Policy Division 600 E Boulevard Avenue, Dept. 325 Bismarck ND 58505-0250
    Low Income Home Energy Assistance Program The North Dakota Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling costs through financial assistance and inexpensive weatherization and insulation services.
    • Phone number: 701-328-2332 800-755-2716
    • Website: www.nd.gov/dhs/services/financialhelp/energyassist.html
    • Physical address: Low Income Home Energy Assistance Program Economic Assistance Policy Division 600 E Boulevard Dept 325 Bismarck ND 58505-0250
    Medicaid The North Dakota office of the federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.
    • Phone number: 701-328-2321 800-755-2604
    • Website: www.nd.gov/dhs/services/medicalserv/medicaid/
    • Physical address: MEDICAID North Dakota Department of Human Services 600 E Boulevard Ave, Dept 325 Bismarck, ND 58505-0250
    Temporary Assistance for Needy Families Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
    • Phone number: 701-328-2332 800-755-2716
    • Website: www.nd.gov/dhs/services/financialhelp/tanfjobs.html
    • Physical address: TANF / JOBS ProgramsEconomic Assistance Policy Division 600 E Boulevard Dept 325 Bismarck ND 58505-0250
    Ohio Home Energy Assistance Program The Home Energy Assistance Program (HEAP) run by the Ohio Development Services Agency's Office of Community Assistance (OCA) aims to assist low-income residents with home heating costs through financial assistance.
    • Phone number: 800-282-0880
    • Website: development.ohio.gov/is/is_heap.htm
    • Physical address: HEAP P.O. Box 1240 Columbus, Ohio 43216
    The Emergency Food Assistance Program The Emergency Food Assistance Program (TEFAP) assists Ohio families in poverty receive food through local Food Banks.
    • Phone number: 1-703-305-2680
    • Website: www.fns.usda.gov/tefap/emergency-food-assistance-program-tefap
    • Physical address: The Emergency Food Assistance Program (TEFAP) 3101 Park Center Drive, Room 504 Alexandria, VA 22302
    Medicaid The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.
    • Phone number: 1-800-324-8680 1-800-686-1516
    • Website: medicaid.ohio.gov/HOME.aspx
    • Physical address: Ohio Dept of Medicaid 50 West Town Street, Suite 400, Columbus, Ohio 43215
    Oklahoma Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families or guardians with children as determined by state regulations. This program aims to further provide employment services and programs to ensure cash assistance is a temporary solution.
    • Phone number: 1-405-521-4391 1-866-411-1877
    • Website: www.okdhs.org/services/tanf/Pages/TANFHome.aspx
    • Physical address: TANF2400 N. Lincoln Blvd. Oklahoma City, OK 73105
    Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
    • Phone number: 1-405-521-3444 1-866-411-1877
    • Website: www.okdhs.org/services/snap/Pages/default.aspx
    • Physical address: SNAPOklahoma Department of Human Services P.O. Box 25352 Oklahoma City, OK 73125-0352
    Low-Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents whose utilities are being threatened. They aim to offset some home heating and cooling cost through financial assistance and inexpensive weatherization.
    • Phone number: 1-405-521-3444 1-866-411-1877
    • Website: www.okdhs.org/services/liheap/Pages/UtilityServicesLIHEAPMain.aspx
    • Physical address: LIHEAPSequoyah Memorial Office Building 2400 N. Lincoln Blvd. Oklahoma City, OK 73105
    Oregon Oregon HEAT Operating as a nonprofit organization, Oregon HEAT provides energy education and resources for low income residents and residents in emergency situations to meet their basic utility needs.
    • Phone number: 1-503-612-6300
    • Website: www.oregonenergyfund.org/heat-oregon-proudly-changes-their-name-to-oregon-energy-fund/
    • Physical address: Oregon HEAT PO Box 127 Tualatin, Oregon 97062-0127
    Temporary Assistance to Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
    • Phone number: 1-503-945-5944
    • Website: www.oregon.gov/DHS/ASSISTANCE/CASH/Pages/Apply-TANF.aspx
    • Physical address: Temporary Assistance to Needy FamiliesDepartment of Human Services 500 Summer St NE Salem, OR 97301
    Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
    • Phone number: 1-503-945-5600
    • Website: www.oregon.gov/dhs/assistance/food-benefits/pages/index.aspx
    • Physical address: Supplemental Nutrition Assistance Program (SNAP)Oregon Department of Human Services 500 Summer St. NE Salem, OR 97301
    Pennsylvania Temporary Assistance to Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families with children as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
    • Phone number: 1-800-692-7462
    • Website: www.dhs.pa.gov/citizens/cashassistance/tanfandmovingtoindependence/index.htm
    • Physical address: Room 431 Health and Welfare Building, Harrisburg, Pennsylvania 17120
    Low-Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization and insulation services.
    • Phone number: 1-570-296-6114 1-800-692-7462
    • Website: www.dhs.pa.gov/citizens/heatingassistanceliheap/index.htm
    • Physical address: Pike County Assistance Office, Milford Professional Park Suite 101, 10 Buist Road Milford, PA 18377
    Rhode Island Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
    • Phone number: 1-866-306-0270 1-401-462-5300
    • Physical address: Providence Regional Family Center 206 Elmwood Avenue Providence, RI 02907
    South Carolina Family Independence Program The Family Independence (FI) is a program that temporarily helps families with dependants who are unable to meet basic needs by providing financial assistance, employment services, and training.
    • Phone number: 1-803-898-7601 1-800-768-5700
    • Website: dss.sc.gov/content/customers/finance/fi.aspx
    • Physical address: Family Independence Program- TANF South Carolina Department of Social Services P.O. Box 1520 Columbia, SC 29202-1520
    Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
    • Phone number: 1-800-616-1309 1-800-768-5700
    • Website: dss.sc.gov/assistance-programs/snap/
    • Physical address: Outreach Program at Clemson University University Center of Greenville 225 South Pleasantburg Dr. Greenville, SC 29607
    South Dakota Low Income Energy Assistance Low-Income Energy Assistance Program (LIEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through yearly financial assistance and crisis services for those needing immediate utility services.
    • Phone number: 1-800-233-8503
    • Website: dss.sd.gov/economicassistance/energyassistance/lowincome.aspx
    • Physical address: Office of Energy Assistance 206 W. Missouri Ave. Pierre, SD 57501
    Weatherization Assistance The Weatherization Assistance program offers weatherization services to low income households including disabled individuals, families with dependant children, and the elderly. These services aim to reduce future energy costs making it easier for residents to stay warm.
    • Phone number: 1-605-256-6518 1-800-233-8503
    • Website: dss.sd.gov/economicassistance/energyassistance/lowincome.aspx
    • Physical address: Weatherization Assistance South Dakota Department of Social Services Office of Energy Assistance 910 East Sioux Ave. Pierre, SD 57501
    Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
  • Phone number: 1-877-999-5612 1-605-773-3493
  • Website: dss.sd.gov/economicassistance/snap/
  • Physical address: Social Services Dept. 700 Governors Dr Pierre, SD 57501
    • Temporary Assistance for Needy Families (TANF) South Dakota Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
    • Phone number: 1-605-773-4678
    • Website: dss.sd.gov/economicassistance/tanf/
    • Physical address: 500 East Capitol, Pierre, SD 57501-5070
    Tennessee Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
    • Phone number: 1-615-313-4700 1-866-311-4287
    • Website: www.tn.gov/humanservices/topic/families-first-tanf
    • Physical address: Commissioner's Office 400 Deaderick Street, 15th Floor Nashville, TN 37243-1403
    Food Stamp Program The federally funded Food Stamp Program provides eligible households with food assistance through monthly food benefits. If you're in an eligible low-income household, you could receive these benefits to cover a portion of your food cost.
    • Phone number: 1-866-311-4287
    • Website: www.tn.gov/foodstamps
    • Physical address: Department of Human Services 400 Deaderick Street, 15th Floor Nashville, TN 37243-1403
    Home Energy Assistance (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance.
    • Phone number: 1-615-313-3759 1-615-313-3755
    • Physical address: Department of Human Services 400 Deaderick Street, 15th Floor Nashville, TN 37243-1403
    Texas North Texas Food Bank The North Texas Food Bank (NTFB) offers education and food products through various non-profit organizations across Texas in order to provide nutritous food for those who need it.
  • Phone number: 1-214-330-1396
  • Physical address: North Texas Food Bank 4500 S. Cockrell Hill Road Dallas, TX 75236-2028
    • Texas Medicaid Program In Texas, the federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.
    • Phone number: 1-800-925-9126 1-877-543-7669 1-800-647-6558
    • Website: hhs.texas.gov/services/health/medicaid-chip
    • Physical address: Texas Medicaid Program HHSC P.O. Box 14200 Midland, TX 79711-4200
    Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
    • Phone number: 1-888-834-7406 1-888-425-6889 1-800-448-3927
    • Website: yourtexasbenefits.hhsc.texas.gov/programs/tanf/families
    • Physical address: TANF Texas Health and Human Services Commission Brown-Heatly Building 4900 N. Lamar Blvd. Austin, TX 78751-2316
    Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
    • Phone number: 1-888-834-7406 1-888-425-6889
    • Website: yourtexasbenefits.hhsc.texas.gov/programs/snap/
    • Physical address: Supplemental Nutrition Assistance Program (SNAP) 701 W. 51st Street Austin, Texas 78751
    Utah Baby Your Baby Baby Your Baby aims to provide temporary financial assistance to pregnant women to cover a protion of the cost of prenatal care.
    • Phone number: 1-800-826-9662 1-801-538-6003
    • Website: www.babyyourbaby.org/financial-help/
    • Physical address: Baby Your Baby Utah Department of Health P.O. Box 141010 Salt Lake City, UT 84114-1010
    Home Energy Assistance Target (HEAT) Program The Home Energy Assistance Target (HEAT) program offers financial assistance with landline and energy bills to meet basic needs.
    • Phone number: 1-866-205-4357
    • Website: jobs.utah.gov/housing/seal/heat.html
    • Physical address: Home Energy Assistance Target (HEAT) Utah Dept. of Workforce Services 1385 South State Street, 4th Floor Salt Lake City, Utah 84115
    Vermont Medicaid Medicaid provides funding for medical and healthcare services for eligible citizens as specified by state restrictions. To qualify, residents must meet a certain level of income, age, and health status.
    • Phone number: 1-800-250-8427 1-800-479-6151
    • Physical address: MEDICAID Green Mountain Care Board 89 Main Street, Third Floor, City Center Montpelier, Vermont 05620
    Reach Up in Vermont (TANF) Reash Up is Vermont's division of Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.
    • Phone number: 1-800-287-0589 1-800-479-6151
    • Website: dcf.vermont.gov/benefits/reachup
    • Physical address: Reach Up in Vermont (TANF) Benefits Service Center 103 South Main Street Waterbury, VT 05676-1201
    Seasonal Fuel Assistance Vermont's Seasonal Fuel Assistance (Home Heating Assistance) offers financial assistance to eligible households to cover a portion of your home heating needs.
    • Phone number: 1-800-479-6151 1-802-241-1165
    • Website: dcf.vermont.gov/benefits/fuel-assistance
    • Physical address: Office of Home Heating Fuel Assistance 103 South Main Street Waterbury, VT 05671-1201
    3SquaresVT (Food Stamps) The Supplemental Nutrition Assistance Program (SNAP), is known in Vermont as 3SquaresVT, and is formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.
    • Phone number: 1-800-479-6151 1-800-642-5119
    • Website: dcf.vermont.gov/benefits/3SquaresVT
    • Physical address: 3SquaresVT DCF/Economic Services Division Application and Document Processing Center 103 South Main Street Waterbury, VT 05671-1500
    Virginia Energy Assistance (EA) The Energy Assistance program of Virginia offers emergency energy services when eligible residents are unable to meet their home heating needs.
    • Phone number: 1-804-726-7000 1-800-552-3431
    • Website: www.dss.virginia.gov/benefit/ea/
    • Physical address: Virginia Energy Assistance – Virginia Department of Social Services (VDSS) 801 E. Main Street Richmond, VA 23219-2901
    Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and unemployed residents to buy nutritious food.
    • Phone number: 703-324-3000
    • Website: www.dss.virginia.gov/benefit/snap.cgi
    • Physical address: Supplemental Nutrition Assistance Program Fairfax 12011 Government Center Parkway Fairfax, VA 22035
    2-1-1 VIRGINIA 2-1-1 VIRGINIA callcenter can offer connections to resources and programs available for those looking for assistance within your community.
  • Phone number: 211
  • Website: 211.getcare.com/consite/
  • Physical address: 2-1-1 VIRGINIA PO Box 598 Roanoke, VA 24004
    		•
    Washington Emergency Food Network The Emergency Food Network offers access to more than 70 programs for low income residents seeking emergency food assistance.
    • Phone number: (253) 584-1040
    • Website: www.efoodnet.org/
    • Physical address: Emergency Food Network3318 92nd Street South Lakewood, WA 98499
    Tri-Cities Food Bank Tri-Cities Food Bank offers individuals in Benton City, Kennewick and Richland emergency food services and refferals to other emergency assistance programs in the area.
    • Phone number: (509) 943-2795
    • Website: www.tricitiesfoodbank.org/
    • Physical address: Tri-Cities Food Bank321 Wellsian Way, Richland, WA, 99352
    Volunteer Food & Resource Center The Volunteer Food & Resource Center provides low income residents with emergency food and resources within and surrounding the Colville area.
    • Phone number: (509) 684-2971
    • Physical address: Colville Food Bank210 South Wynne, Colville, WA, 99114
    West Seattle Food Bank The West Seattle Food Bank helps individuals and families in need meet their basic needs though access to nutritious food.
    • Phone number: (206) 932-9023
    • Website: www.westseattlefoodbank.org/
    • Physical address: West Seattle Food Bank3419 Southwest Morgan Street Seattle, WA 98126
    Bellingham Food Bank/Alternatives to Hunger This organization offers assistance to low-income residents of Bellingham through weekly food allowances to meet their basic needs until they are able to become self-sufficient.
  • Phone number: (360) 676-0392
  • Website: www.bellinghamfoodbank.org
  • Physical address: Bellingham Food Bank1824 Ellis Street Bellingham, WA 98225
    		•
    Washington DC Capital Area Food Bank Hunger Lifeline Capital Area Food Bank (CAFB) Hunger Lifeline program aids individuals in need of emergency food assistance through a referral program within their network of partners.
    • Phone number: 1-202-644-9807 1-202-644-9800
    • Website: www.capitalareafoodbank.org/learn/getting-help
    • Physical address: Capital Area Food Bank 4900 Puerto Rico Avenue, NE Washington, DC 20017
    The Utility Discount Programs The Utility Discount Program assists eligible low income residents with the cost of their utilities. Eligible residents must meet the guidelines set out by the U.S. Department of Health and Human Services.
    • Phone number: (202) 576-8000 (202) 727-5355
    • Website: doee.dc.gov/udp
    • Physical address: The Utility Discount Programs 1207 Taylor St. W. Washington, DC 20011
    Low Income Home Energy Program DDOE runs the District's Low Income Home Energy Assistance Program (LIHEAP) which aims to assist low-income, disabled, or elderly residents whose heating has been disconnected or who have received notice of disconnection.
    • Phone number: 1-202-673-6750 1-202-535-2600
    • Website: ddoe.dc.gov/liheap
    • Physical address: LIHEAP District Dept of the Environment 1200 First Street NE, Washington, DC 20002
    West Virginia West Virginia Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides monthly funding to low income households and unemployed residents to buy nutritious food.
    • Phone number: 1-800-642-8589 1-304-558-3733
    • Website: www.benefits.gov/benefits/benefit-details/1591
    • Physical address: WV SNAP West Virginia Family Nutrition Program 3110 MacCorkle Ave., SE Charleston, WV 25304
    West Virginia Bureau for Medical Services West Virginia Bureau for Medical Services is the office of the federally funded program Medicaid, which provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.
    • Phone number: 1-304-558-7892
    • Website: www.dhhr.wv.gov/bms/Pages/default.aspx
    • Physical address: WV Bureau for Medical Services Room 251 350 Capitol Street Charleston, WV 25301
    Wisconsin Wisconsin Home Heating Assistance Programs The Wisconsin Home Energy Assistance Program (WHEAP) helps eligible households with the cost of heating their homes. If you are low-income, disabled, or an elderly resident, you could be eligible for utility benefits.
  • Phone number: 1-608-267-3680 1-866-432-8947
  • Website: homeenergyplus.wi.gov/category.asp?linkcatid=239
  • Physical address: Home Energy + PO Box 7868 Madison, Wisconsin 53707-7868
    • Home Weatherization The Home Weatherization program offers weatherization services to eligible low income households and those with limited resources. These services aim to reduce future energy costs making it easier for residents to fund their energy needs.
    • Phone number: 1-414-873-4945
    • Website: www.weatherizationservices-wi.com
    • Physical address: Weatherization Services 3252 N 81st Street Milwaukee, WI 53222-3812
    Wyoming Wyoming Supplemental Nutrition Assistance Program (SNAP) The Wyoming Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides monthly funding to low income households and unemployed residents to buy nutritious food as well as providing connections to other assistance programs.
    • Phone number: 1-877-290-9401
    • Website: dfsweb.wyo.gov/economic-assistance/snap
    • Physical address: Supplemental Nutrition Assistance Program (SNAP) 2300 Capitol Ave Third Floor Hathaway Building Cheyenne, WY 82002
    Heating Assistance (LIEAP) Low Income Energy Assistance Program (LIEAP) aims to assist eligible low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance paid on your behalf. This program runs from October through February and is dependent on household factors set out by the state.
    • Phone number: 1-307-347-6181 1-800-246-4221
    • Website: dfsweb.wyo.gov/economic-assistance/lieap
    • Physical address: Heating Assistance (LIEAP) 400 East 1st Street,Ste. 206Casper, WY 82601
    Unemployment Insurance Division Unemployment Insurance offers temporary assistance to individuals who unemployed or who have lost their job without fault. If you are unemployed, seeking employment, and meet other requirements set out by your state, you may qualify for temporary benefits.
    • Phone number: 1-307-473-3789 1-307-235-3264
    • Website: www.benefits.gov/benefits/benefit-details/1831
    • Physical address: Unemployment Insurance Division 100 W. MidwestP.O. Box 2760Casper, WY 82602

    Why we picked these resources

    Each state has a number of nonprofit and government programs dedicated to helping those struggling to make ends meet. We chose these resources based on their mission and dedication to providing financial assistance for food, housing and other everyday expenses.

    Many also offer cash assistance that can help you budget for regular expenses while giving you some space to save for emergencies. And finally, many also offer education and advice to help you make better financial decisions — which could put you on the path toward financial freedom.

    Payday loan alternatives to avoid

    Not every alternative out there is a good solution. These lending methods are considered risky, either due to the collateral required or the high rates, and should be considered a last resort borrowing option.

    • Vehicle title loans. Sometimes called auto title loans, vehicle title loans requires a car that you fully own and putting it up as collateral. If you can’t repay your loan, you risk having your vehicle repossessed — and rates can get very high.
    • Auto equity loans. Similar to vehicle title loans, auto equity loans allow you to borrow against the value of your car by using it as collateral. The risks are almost identical, too. You could lose your car and face APRs in the triple digits.
    • Short-term installment loans. Though not as risky as the above options, short-term installment loans can mean paying double or triple your loan amount in interest alone. While you don’t need to avoid them entirely, you should spend time comparing options to find the best terms.

    Compare personal loans for bad credit

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    Best Egg personal loans
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    640
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    8.3 Great
    7.40% to 35.99%
    300
    $50,000
    This service looks beyond your credit score to get you a competitive-rate personal loan.
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    8 Great
    9.99% to 35.99%
    580
    $50,000
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    Read the full Finder Score breakdown

    Bottom line

    When money is tight, the last thing you need is pressure to use your hard-earned cash to pay multiple fees and high interest. Explore your alternatives first before deciding whether to take out a payday loan.

    Bethany Hickey's headshot
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    Editor, Banking

    Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

    Bethany's expertise
    Bethany has written 448 Finder guides across topics including:
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    2 Responses

      Default Gravatar
      RoyalSeptember 6, 2017

      What options for a loan…Income retired expense. Senior City Housing

        AvatarFinder
        AnnaSeptember 6, 2017Finder

        Hello Royal Timothy Corbin,

        Thanks for your question! If you’re retired, you might want to check out our page on getting a loan while on a pension.

        I hope this was helpful!

        Cheers,
        Anna

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