Free Help Provider Profiles in Phoenix, AZ

Review 11 listed free help profiles associated with Phoenix, Arizona. Average stored Google rating where available: 4.9/5.

11 Listed Profiles 4 Google-rated Payday: Banned

Arizona Lending Regulations

Arizona banned payday lending in 2010, providing strong consumer-protection context against high-cost short-term loans. Consumer loans are capped at 36% APR under state law. Residents can file complaints with the Department of Insurance and Financial Institutions or the Attorney General's Consumer Protection Division.

Usury cap: 36% APR cap on consumer loans; payday lending banned since 2010 Agency: Arizona Attorney General Consumer Protection Division

Provider Profiles for Free Help

Family Debt Counseling

Money Management International (MMI) is a nonprofit credit counselor offering free and low-cost debt management, bankruptcy, and housing counseling across the U.S., with HUD and NFCC certification.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: Consumers seeking nonprofit credit counseling with verified institutional credibility and HUD/NFCC certification, Homebuyers, renters facing eviction, or those needing housing-related financial counseling with government backing

Phoenix Debt Relief Help Center

IRS-approved 501(c)(3) nonprofit credit counseling agency in Phoenix offering free debt management plans, credit counseling, and debt consolidation services.

4.9/5

Google rating from 7 reviews

BBB: NR

Profile signals: Phoenix-area residents with $5,000+ in unsecured consumer debt seeking to consolidate multiple creditors into one payment, Consumers who are current or behind on payments and want to work with a nonprofit certified counselor

Prestamos CDFI Women's Business Center

Phoenix-based Women's Business Center offering free SBA-backed business training, mentorship, and counseling to aspiring and existing entrepreneurs regardless of gender.

4.9/5

Google rating from 35 reviews

BBB: NR

Profile signals: First-time entrepreneurs needing foundational business planning, entity formation, and mentorship, Women and minority business owners seeking culturally-relevant support and imposter syndrome coaching

Take Charge America

Nonprofit NFCC-certified credit counseling agency offering free initial consultations and paid Debt Management Plans to reduce interest rates on unsecured debt since 1987.

4.8/5

Google rating from 132 reviews

BBB: A+

Profile signals: Consumers carrying $2,000–$500,000 in high-interest unsecured credit card debt seeking negotiated rate reductions, People overwhelmed by multiple credit card payments wanting one consolidated monthly payment

Listed Free Help Profiles in Phoenix (11)

Family Debt Counseling

Money Management International (MMI) is a nonprofit credit counselor offering free and low-cost debt management, bankruptcy, and housing counseling across the U.S., with HUD and NFCC certification.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: Consumers seeking nonprofit credit counseling with verified institutional credibility and HUD/NFCC certification, Homebuyers, renters facing eviction, or those needing housing-related financial counseling with government backing

Phoenix Debt Relief Help Center

IRS-approved 501(c)(3) nonprofit credit counseling agency in Phoenix offering free debt management plans, credit counseling, and debt consolidation services.

4.9/5

Google rating from 7 reviews

BBB: NR

Profile signals: Phoenix-area residents with $5,000+ in unsecured consumer debt seeking to consolidate multiple creditors into one payment, Consumers who are current or behind on payments and want to work with a nonprofit certified counselor

Prestamos CDFI Women's Business Center

Phoenix-based Women's Business Center offering free SBA-backed business training, mentorship, and counseling to aspiring and existing entrepreneurs regardless of gender.

4.9/5

Google rating from 35 reviews

BBB: NR

Profile signals: First-time entrepreneurs needing foundational business planning, entity formation, and mentorship, Women and minority business owners seeking culturally-relevant support and imposter syndrome coaching

Take Charge America

Nonprofit NFCC-certified credit counseling agency offering free initial consultations and paid Debt Management Plans to reduce interest rates on unsecured debt since 1987.

4.8/5

Google rating from 132 reviews

BBB: A+

Profile signals: Consumers carrying $2,000–$500,000 in high-interest unsecured credit card debt seeking negotiated rate reductions, People overwhelmed by multiple credit card payments wanting one consolidated monthly payment

Administration of Resources and Choices (Arc)

HUD-certified nonprofit housing counselor and elder protection services organization in Arizona, offering free homebuyer education, mortgage counseling, and financial assistance for seniors.

BBB: NR

Profile signals: Arizona residents (especially Tucson area) planning to purchase their first home and seeking expert, free guidance, Seniors concerned about reverse mortgage options and needing objective counseling before committing

Greater Phoenix Urban League

Non-profit civil rights organization providing free employment, housing, education, and health resources to minority families and underserved populations in greater Phoenix since 1945.

BBB: NR

Profile signals: Minority families and individuals seeking free employment placement and job training services, Low-income households needing assistance with housing access or housing-related resources

Nid-Hca Phoenix Randolph

HUD-approved housing counseling agency providing free guidance on homeownership, financial stability, and affordable housing solutions across the nation.

BBB: NR

Profile signals: First-time homebuyers seeking free guidance on down payment assistance programs and homeownership requirements, Individuals building financial stability and working toward homeownership over months or years

Rehoboth Community Development Corporation

Faith-based nonprofit providing free tax preparation, affordable housing development, financial wellness, and community services to low-to-moderate income families across Phoenix's Canyon Corridor and Maricopa County.

BBB: NR

Profile signals: Low-to-moderate income filers and seniors needing free IRS-certified tax preparation (VITA eligible individuals), Working families and 'missing middle' households seeking affordable homeownership in the Phoenix Canyon Corridor area

Take Charge America

NFCC-affiliated nonprofit offering free credit counseling, debt management plans, and financial education to help consumers eliminate unsecured debt without loans or settlement.

BBB: NR

Profile signals: Consumers with $5,000-$100,000+ in credit card or unsecured debt seeking structured repayment without loans, Individuals wanting free, professional counseling before considering bankruptcy or debt settlement

Take Charge America- El Centro

Take Charge America is a nonprofit financial counseling organization offering free debt management, credit counseling, and housing assistance to consumers struggling with debt.

BBB: NR

Profile signals: Consumers with $5,000+ in unsecured debt (credit cards, personal loans) seeking structured repayment without taking new loans, Individuals facing collection calls or late payment issues who want to negotiate with creditors through professional intermediaries

Unidosus Counseling Connection (Ucc)

UnidosUS's free housing counseling service connects clients to community-based organizations via phone and virtual sessions for pre-purchase, foreclosure, and financial literacy counseling.

BBB: NR

Profile signals: First-time homebuyers seeking pre-purchase education and mortgage readiness counseling, Homeowners at risk of foreclosure needing immediate prevention guidance