Compare 25 free help companies serving Philadelphia, Pennsylvania. Average rating: 4.1/5.
Pennsylvania effectively bans payday lending through its strict usury laws. Licensed consumer discount companies can charge higher rates but remain well below payday loan levels. Consumers can file complaints with the Department of Banking and Securities or the Attorney General's Bureau of Consumer Protection.
Latino-based non-profit offering community economic development, family services, and financial opportunity programs in Philadelphia since 1970.
Best for: Low-income Latino families in Philadelphia seeking integrated financial and social services, Individuals seeking culturally competent, Spanish-language financial counseling and housing assistance
Free financial literacy workshops hosted by the Free Library of Philadelphia in partnership with Citadel, offering credit and money management education to teens and adults.
Best for: Philadelphia-area residents aged 15+ seeking foundational credit and money management knowledge, Teens and young adults building financial literacy before major life decisions
Premisien offers free credit counseling consultations for personal and business credit improvement, plus lending and bookkeeping services for individuals and small businesses.
Best for: Small business owners needing business credit building and lending guidance, Individuals in underserved communities seeking personalized credit improvement with cultural relevance
Clarifi is a Philadelphia-area non-profit providing free financial counseling, housing assistance, and benefits access to low- and moderate-income residents across Southeastern PA, NJ, and DE.
Best for: Low- and moderate-income families seeking judgment-free debt and budget counseling in the PA/NJ/DE region, Homeowners needing assistance with essential repairs and accessing repair grant programs
Non-profit community organization providing free housing, immigration, and social services to low-income families and new immigrants in Philadelphia's Olney neighborhood since 1984.
Best for: New immigrants seeking naturalization assistance and benefits enrollment support in Philadelphia, Low-income families in Olney (19120 zip code) needing affordable housing guidance and resources
Nicetown CDC is a Philadelphia-based nonprofit community development organization offering housing counseling, foreclosure prevention, and neighborhood support services to low-to-moderate income residents.
Best for: Philadelphia homeowners facing foreclosure or tax delinquency seeking preservation assistance, Low-to-moderate income Nicetown residents needing resource referrals and community support
Latino-based non-profit offering community economic development, family services, and financial opportunity programs in Philadelphia since 1970.
Best for: Low-income Latino families in Philadelphia seeking integrated financial and social services, Individuals seeking culturally competent, Spanish-language financial counseling and housing assistance
Free financial literacy workshops hosted by the Free Library of Philadelphia in partnership with Citadel, offering credit and money management education to teens and adults.
Best for: Philadelphia-area residents aged 15+ seeking foundational credit and money management knowledge, Teens and young adults building financial literacy before major life decisions
Premisien offers free credit counseling consultations for personal and business credit improvement, plus lending and bookkeeping services for individuals and small businesses.
Best for: Small business owners needing business credit building and lending guidance, Individuals in underserved communities seeking personalized credit improvement with cultural relevance
Clarifi is a Philadelphia-area non-profit providing free financial counseling, housing assistance, and benefits access to low- and moderate-income residents across Southeastern PA, NJ, and DE.
Best for: Low- and moderate-income families seeking judgment-free debt and budget counseling in the PA/NJ/DE region, Homeowners needing assistance with essential repairs and accessing repair grant programs
Non-profit community organization providing free housing, immigration, and social services to low-income families and new immigrants in Philadelphia's Olney neighborhood since 1984.
Best for: New immigrants seeking naturalization assistance and benefits enrollment support in Philadelphia, Low-income families in Olney (19120 zip code) needing affordable housing guidance and resources
Nicetown CDC is a Philadelphia-based nonprofit community development organization offering housing counseling, foreclosure prevention, and neighborhood support services to low-to-moderate income residents.
Best for: Philadelphia homeowners facing foreclosure or tax delinquency seeking preservation assistance, Low-to-moderate income Nicetown residents needing resource referrals and community support
Philadelphia-based nonprofit providing adoption, foster care, early childhood education, and community development services with bilingual, culturally-sensitive staff.
Best for: Philadelphia-area families seeking foster care or adoption services, Parents seeking affordable early childhood education programs
Esperanza is a 30+ year old non-profit serving Hispanic communities in North Philadelphia with HUD-certified housing counseling, legal aid, workforce development, and financial empowerment programs.
Best for: Hispanic and Latino immigrants in Philadelphia seeking HUD-certified housing counseling and financial readiness education, Undocumented and immigrant populations needing low-cost legal representation for citizenship, DACA, or family immigration matters
HACE CDC is a Philadelphia-based nonprofit providing free housing counseling, tax preparation, and community development services to low-to-moderate income residents in Eastern North Philadelphia since 1982.
Best for: First-time homebuyers in Eastern North Philadelphia with low-to-moderate incomes seeking affordable mortgage programs, Low-income households needing free tax preparation services during tax season
Non-profit human services agency in Greater Philadelphia offering culturally competent behavioral health, housing counseling, and family support programs since 1979.
Best for: Families in Greater Philadelphia seeking culturally appropriate behavioral health and mental health support, Individuals and families needing housing counseling or assistance with housing stability
Community-based nonprofit providing free housing counseling, financial assistance, and community development services across Philadelphia neighborhoods.
Best for: Philadelphia residents seeking free homebuyer education and housing counseling, Low-income homeowners needing assistance with home repairs or keeping their homes
HUD-certified non-profit housing counselor in Philadelphia offering free workshops and one-on-one guidance on homebuying, rental issues, mortgage delinquency, and credit management.
Best for: First-time homebuyers in Philadelphia seeking education and pre-purchase planning without sales pressure, Homeowners facing mortgage delinquency or property tax arrears needing guidance on options
Operation HOPE is America's first non-profit social investment banking organization offering free financial counseling, credit coaching, and financial literacy programs to underserved communities.
Best for: Homeowners facing foreclosure or at risk of losing their homes who need specialized prevention assistance, Small business owners and entrepreneurs seeking free guidance before or during business launch
501(c)(3) non-profit offering bilingual housing counseling, affordable housing development, and community services for Philadelphia's Chinatown residents since 1966.
Best for: Low-income Chinese immigrant residents in Philadelphia's Chinatown facing housing insecurity or eviction risk, Self-employed or gig workers in Chinatown seeking free tax preparation and benefits access assistance
West Oak Lane CDC is a non-profit community development organization providing free financial capability and homeownership workshops to help consumers plan finances and prepare for home purchase.
Best for: First-time homebuyers in the Philadelphia area seeking pre-purchase education, Consumers wanting free financial planning guidance from a community-based organization
Non-profit financial counseling and housing empowerment organization serving low- to moderate-income residents across Southeastern Pennsylvania, New Jersey, and Delaware for over 50 years.
Best for: Low- to moderate-income households in Southeastern PA, NJ, or Delaware facing financial crises, Homeowners in their service area needing housing repair guidance and funding assistance
Non-profit senior center in Philadelphia offering free programs, activities, and social services for adults 55+, including housing counseling and utility assistance.
Best for: Philadelphia-area seniors 55+ seeking free social engagement and community programs, Renters and homeowners needing housing counseling and fair housing advocacy
Nonprofit 501(c)(3) organization providing free housing counseling, credit repair, energy assistance, and social services to Philadelphia-area residents.
Best for: Philadelphia-area homeowners facing mortgage default, delinquency, or foreclosure seeking HEMAP assistance, Low-income families needing integrated support across housing, food, utilities, and behavioral health
Liberty Resources is a Philadelphia-area Center for Independent Living providing free disability services including nursing home transitions, peer support, and independent living skills training.
Best for: People with disabilities in southeastern Pennsylvania seeking to transition from institutional care to independent community living, Young adults with disabilities planning vocational and independence goals through structured youth transition programs
Mt. Airy CDC is a Philadelphia-based nonprofit community development organization offering free financial education workshops including first-time homebuyer and estate planning seminars.
Best for: First-time homebuyers in Philadelphia seeking foundational mortgage and homeownership education, Residents of Mt. Airy neighborhood interested in community financial literacy programs
Non-profit organization providing HUD-certified housing counseling, financial literacy, immigration legal aid, and workforce development to Hispanic communities in Philadelphia since 1986.
Best for: Hispanic immigrants seeking low-cost or free immigration legal services and citizenship education, First-time homebuyers and renters in Philadelphia needing HUD-certified housing counseling
Pennsylvania-based nonprofit tenant advocacy and education organization providing free resources to help renters understand their rights and navigate housing issues.
Best for: Pennsylvania renters facing lease disputes or housing rights questions, Low-income tenants who cannot afford private attorney representation
Philadelphia Housing Development Corporation is a nonprofit community development organization offering housing production, preservation, and repair programs for Philadelphia residents.
Best for: Philadelphia homeowners needing essential repairs and unable to afford commercial contractors, Rental property owners seeking affordable capital for property improvements and maintenance
Unable to verify company details—website currently inaccessible (403 Forbidden). Southwest CDC appears to be a community development organization, but specific services cannot be confirmed.
Best for: Free housing counseling, Foreclosure prevention
Non-profit affiliate of the National Urban League offering free housing counseling, workforce development, and financial empowerment programs to Black and Brown communities in Greater Philadelphia since 1917.
Best for: Philadelphia-area residents seeking free homebuying education and foreclosure prevention counseling, Job seekers and career changers needing workforce training and job placement support