Best Free Help in Miami, FL

Compare 6 free help companies serving Miami, Florida. Average rating: 4.1/5.

6 Companies 6 Rated Payday: Legal

Florida Lending Regulations

Florida allows payday lending with notable consumer protections including a statewide database preventing multiple simultaneous loans, a $500 cap, and a 24-hour cooling-off period. The Office of Financial Regulation oversees all consumer lenders. Consumers can file complaints online through the OFR or the Attorney General.

Usury cap: 18% for loans under $500,000; 25% criminal usury threshold; payday loans regulated separately Agency: Florida Attorney General Consumer Protection Division

Top-Rated Free Help

IRS Debt-Free, Inc. logo

IRS Debt-Free, Inc.

Miami-based tax preparation and IRS representation firm offering filing services, back tax resolution, and IRS debt relief solutions for individuals and small businesses.

4.4/5
Free BBB: NR

Best for: Miami-area individuals and small business owners with IRS tax debt, back taxes, or unresolved tax notices, Bilingual Spanish-speaking taxpayers seeking IRS representation and tax services

United Way Center for Financial Stability logo

United Way Center for Financial Stability

United Way Center for Financial Stability offers free financial coaching, credit counseling, tax preparation, and resource referrals across three Miami-Dade County locations to help working families achieve financial independence.

4.3/5
Free BBB: NR

Best for: Working families and individuals in Miami-Dade County struggling with the rising cost of living and financial instability, People seeking to improve credit scores and develop debt reduction strategies with expert guidance

Little Haiti Housing Association, Inc. logo

Little Haiti Housing Association, Inc.

Haitian American Community Development Corporation provides affordable housing, homeownership counseling, and financial education to underserved communities in South Florida since 1987.

4.1/5
Contact BBB: NR

Best for: First-time homebuyers in South Florida seeking free or low-cost homeownership counseling, Haitian American community members and underserved populations seeking affordable rental housing

Neighborhood Housing Services of South Florida logo

Neighborhood Housing Services of South Florida

Non-profit housing counselor providing HUD-certified homebuyer education, first-time homeowner loans, and housing crisis assistance across South Florida.

4.1/5
Contact BBB: NR

Best for: First-time homebuyers in South Florida seeking HUD-certified education and mortgage guidance, Renters facing eviction or foreclosure looking for crisis prevention counseling

Cuban American National Council, Inc. - Miami logo

Cuban American National Council, Inc. - Miami

Cuban American National Council (CNC) is a Miami-based nonprofit organization providing free community programs, educational services, and support for Hispanic families across all age groups.

4.0/5
Contact BBB: NR

Best for: Hispanic families with school-age children seeking free after-school enrichment programs, Community members looking for free educational and support services in Miami

Trinity Empowerment Consortium, Inc. logo

Trinity Empowerment Consortium, Inc.

Non-profit homeownership and financial empowerment organization offering free and membership-based counseling, tax assistance, and credit coaching for first-time homebuyers and existing homeowners in South Florida.

4.0/5
Contact BBB: NR

Best for: First-time homebuyers in South Florida seeking personalized mortgage-readiness coaching and education, Spanish and Haitian Creole-speaking individuals needing accessible financial counseling

All Free Help in Miami (6)

IRS Debt-Free, Inc. logo

IRS Debt-Free, Inc.

Miami-based tax preparation and IRS representation firm offering filing services, back tax resolution, and IRS debt relief solutions for individuals and small businesses.

4.4/5
Free BBB: NR

Best for: Miami-area individuals and small business owners with IRS tax debt, back taxes, or unresolved tax notices, Bilingual Spanish-speaking taxpayers seeking IRS representation and tax services

United Way Center for Financial Stability logo

United Way Center for Financial Stability

United Way Center for Financial Stability offers free financial coaching, credit counseling, tax preparation, and resource referrals across three Miami-Dade County locations to help working families achieve financial independence.

4.3/5
Free BBB: NR

Best for: Working families and individuals in Miami-Dade County struggling with the rising cost of living and financial instability, People seeking to improve credit scores and develop debt reduction strategies with expert guidance

Little Haiti Housing Association, Inc. logo

Little Haiti Housing Association, Inc.

Haitian American Community Development Corporation provides affordable housing, homeownership counseling, and financial education to underserved communities in South Florida since 1987.

4.1/5
Contact BBB: NR

Best for: First-time homebuyers in South Florida seeking free or low-cost homeownership counseling, Haitian American community members and underserved populations seeking affordable rental housing

Neighborhood Housing Services of South Florida logo

Neighborhood Housing Services of South Florida

Non-profit housing counselor providing HUD-certified homebuyer education, first-time homeowner loans, and housing crisis assistance across South Florida.

4.1/5
Contact BBB: NR

Best for: First-time homebuyers in South Florida seeking HUD-certified education and mortgage guidance, Renters facing eviction or foreclosure looking for crisis prevention counseling

Cuban American National Council, Inc. - Miami logo

Cuban American National Council, Inc. - Miami

Cuban American National Council (CNC) is a Miami-based nonprofit organization providing free community programs, educational services, and support for Hispanic families across all age groups.

4.0/5
Contact BBB: NR

Best for: Hispanic families with school-age children seeking free after-school enrichment programs, Community members looking for free educational and support services in Miami

Trinity Empowerment Consortium, Inc. logo

Trinity Empowerment Consortium, Inc.

Non-profit homeownership and financial empowerment organization offering free and membership-based counseling, tax assistance, and credit coaching for first-time homebuyers and existing homeowners in South Florida.

4.0/5
Contact BBB: NR

Best for: First-time homebuyers in South Florida seeking personalized mortgage-readiness coaching and education, Spanish and Haitian Creole-speaking individuals needing accessible financial counseling