Compare 12 free help companies serving New York, New York. Average rating: 4.1/5.
New York bans payday lending through its 16% civil usury and 25% criminal usury caps. The Department of Financial Services aggressively pursues illegal online payday lenders. Consumers have strong protections under state law and can file complaints with DFS or the Attorney General.
ARC Credit Counseling, LLC is a non-profit credit counseling agency approved by the U.S. Department of Justice under 11 U.S.C. § 111 to provide free or low-cost financial guidance.
Best for: Bankruptcy filers seeking mandatory pre-bankruptcy credit counseling required by federal law, Consumers building debt management plans who need government-approved, regulated financial guidance
National nonprofit that partners with city governments to embed financial empowerment programs into local infrastructure, serving 62 million residents across 150+ cities.
Best for: Residents of partner cities seeking free financial counseling and empowerment services through municipal programs, Low and moderate-income households in cities with CFE Fund financial empowerment centers
NYC-based nonprofit providing free advocacy, counseling, and legal assistance for low-income residents on healthcare, housing, economic security, and student debt.
Best for: Low-income New York residents struggling with student loan debt seeking free educational assistance, NYC residents needing help navigating health insurance enrollment, eligibility, or healthcare access issues
Nonprofit social enterprise providing financial coaching and products to help low-wage workers reduce debt, build savings, and achieve financial security.
Best for: Low-wage workers employed at organizations partnering with Neighborhood Trust, Credit union members at institutions offering Pathways to Financial Empowerment coaching
Non-profit credit counseling organization offering debt management plans, bankruptcy counseling, and financial education since 1991. NFCC-affiliated with certified counselors.
Best for: Consumers with multiple debts seeking consolidation into single manageable monthly payments through non-profit guidance, Individuals considering bankruptcy who need pre-filing counseling from certified financial counselors
GreenPath Financial Wellness is a 60-year-old NFCC-certified nonprofit offering free financial counseling, debt management programs, and housing counseling to help consumers reduce debt and build financial stability.
Best for: Consumers with multiple high-interest credit card debts seeking legitimate nonprofit counseling and creditor negotiation, Homeowners facing foreclosure or renters needing HUD-certified housing counseling
ARC Credit Counseling, LLC is a non-profit credit counseling agency approved by the U.S. Department of Justice under 11 U.S.C. § 111 to provide free or low-cost financial guidance.
Best for: Bankruptcy filers seeking mandatory pre-bankruptcy credit counseling required by federal law, Consumers building debt management plans who need government-approved, regulated financial guidance
National nonprofit that partners with city governments to embed financial empowerment programs into local infrastructure, serving 62 million residents across 150+ cities.
Best for: Residents of partner cities seeking free financial counseling and empowerment services through municipal programs, Low and moderate-income households in cities with CFE Fund financial empowerment centers
NYC-based nonprofit providing free advocacy, counseling, and legal assistance for low-income residents on healthcare, housing, economic security, and student debt.
Best for: Low-income New York residents struggling with student loan debt seeking free educational assistance, NYC residents needing help navigating health insurance enrollment, eligibility, or healthcare access issues
Nonprofit social enterprise providing financial coaching and products to help low-wage workers reduce debt, build savings, and achieve financial security.
Best for: Low-wage workers employed at organizations partnering with Neighborhood Trust, Credit union members at institutions offering Pathways to Financial Empowerment coaching
Non-profit credit counseling organization offering debt management plans, bankruptcy counseling, and financial education since 1991. NFCC-affiliated with certified counselors.
Best for: Consumers with multiple debts seeking consolidation into single manageable monthly payments through non-profit guidance, Individuals considering bankruptcy who need pre-filing counseling from certified financial counselors
GreenPath Financial Wellness is a 60-year-old NFCC-certified nonprofit offering free financial counseling, debt management programs, and housing counseling to help consumers reduce debt and build financial stability.
Best for: Consumers with multiple high-interest credit card debts seeking legitimate nonprofit counseling and creditor negotiation, Homeowners facing foreclosure or renters needing HUD-certified housing counseling
Harlem Congregations For Community Improvement offers non-profit financial capacity workshops and community services. Organization appears to operate Franklin Day School with admissions support.
Best for: Harlem residents seeking free financial education and capacity building, Community members interested in non-profit financial counseling services
NYC Housing Partnership is a non-profit affordable housing organization providing financing, development support, and homeownership counseling across New York City.
Best for: First-time homebuyers in NYC seeking structured education, counseling, and access to affordable financing pathways, Non-profit sponsors and developers building or preserving affordable housing projects in New York City
Non-profit community development organization providing free housing counseling, legal services, immigration assistance, and small business loans to low-income families across NYC.
Best for: Low-income immigrant families in NYC seeking free housing counseling and eviction prevention, Small business owners of color in underserved NYC neighborhoods needing affordable capital and business support
Harlem CDC is a NY State-sponsored community development nonprofit offering free business services, financial literacy, and community revitalization programs for upper Manhattan residents and entrepreneurs.
Best for: First-time home buyers in upper Manhattan seeking free pre-purchase financial counseling, Low-income families in single/multi-unit homes eligible for weatherization assistance
Nonprofit housing counselor providing HUD-approved homebuyer education, credit counseling, and foreclosure intervention to low-to-moderate income New Yorkers since 1993.
Best for: First-time homebuyers in New York with low-to-moderate income seeking free educational support, Credit-building clients wanting peer accountability through Lending Circles programs
West Side Commons is a community-based nonprofit organization focused on building community connections and providing support services on the West Side.
Best for: West Side neighborhood residents seeking community engagement, Individuals looking for local community-based support resources