Compare 10 free help companies serving Phoenix, Arizona. Average rating: 4.2/5.
Arizona banned payday lending in 2010, providing strong consumer protections 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.
Nonprofit NFCC-certified credit counseling agency offering free initial consultations and paid Debt Management Plans to reduce interest rates on unsecured debt since 1987.
Best for: 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
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.
Best for: 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
IRS-approved 501(c)(3) nonprofit credit counseling agency in Phoenix offering free debt management plans, credit counseling, and debt consolidation services.
Best for: 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
Phoenix-based Women's Business Center offering free SBA-backed business training, mentorship, and counseling to aspiring and existing entrepreneurs regardless of gender.
Best for: First-time entrepreneurs needing foundational business planning, entity formation, and mentorship, Women and minority business owners seeking culturally-relevant support and imposter syndrome coaching
NFCC-affiliated nonprofit offering free credit counseling, debt management plans, and financial education to help consumers eliminate unsecured debt without loans or settlement.
Best for: 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
HUD-certified nonprofit housing counselor and elder protection services organization in Arizona, offering free homebuyer education, mortgage counseling, and financial assistance for seniors.
Best for: 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
Nonprofit NFCC-certified credit counseling agency offering free initial consultations and paid Debt Management Plans to reduce interest rates on unsecured debt since 1987.
Best for: 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
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.
Best for: 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
IRS-approved 501(c)(3) nonprofit credit counseling agency in Phoenix offering free debt management plans, credit counseling, and debt consolidation services.
Best for: 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
Phoenix-based Women's Business Center offering free SBA-backed business training, mentorship, and counseling to aspiring and existing entrepreneurs regardless of gender.
Best for: First-time entrepreneurs needing foundational business planning, entity formation, and mentorship, Women and minority business owners seeking culturally-relevant support and imposter syndrome coaching
NFCC-affiliated nonprofit offering free credit counseling, debt management plans, and financial education to help consumers eliminate unsecured debt without loans or settlement.
Best for: 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
HUD-certified nonprofit housing counselor and elder protection services organization in Arizona, offering free homebuyer education, mortgage counseling, and financial assistance for seniors.
Best for: 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
Non-profit civil rights organization providing free employment, housing, education, and health resources to minority families and underserved populations in greater Phoenix since 1945.
Best for: Minority families and individuals seeking free employment placement and job training services, Low-income households needing assistance with housing access or housing-related resources
HUD-approved housing counseling agency providing free guidance on homeownership, financial stability, and affordable housing solutions across the nation.
Best for: 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
Take Charge America is a nonprofit financial counseling organization offering free debt management, credit counseling, and housing assistance to consumers struggling with debt.
Best for: 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's free housing counseling service connects clients to community-based organizations via phone and virtual sessions for pre-purchase, foreclosure, and financial literacy counseling.
Best for: First-time homebuyers seeking pre-purchase education and mortgage readiness counseling, Homeowners at risk of foreclosure needing immediate prevention guidance