Best Free Help in Saint Louis, MO

Compare 9 free help companies serving Saint Louis, Missouri. Average rating: 4.1/5.

9 Companies 9 Rated Payday: Legal

Missouri Lending Regulations

Missouri allows payday lending with relatively permissive regulations including up to 6 renewals. The fee cap of 75% of the loan amount results in very high effective APRs. The Division of Finance regulates consumer lenders, and complaints can be filed with the Division or the Attorney General.

Usury cap: No cap for licensed lenders; payday loans capped at $500 with fees up to $75 Agency: Missouri Attorney General Consumer Protection Division

Top-Rated Free Help

Better Family Life, Inc.

St. Louis-based 501(c)(3) nonprofit community development corporation offering free comprehensive services including financial counseling, workforce development, and family support to 50,000+ low-income residents annually.

4.1/5

Contact BBB: NR

Best for: Low-income Saint Louis residents seeking free comprehensive community services beyond standalone financial counseling, Families needing coordinated support across multiple life domains (housing, employment, youth services, family counseling)

Beyond Housing

Beyond Housing is a comprehensive community development nonprofit serving the St. Louis region with affordable housing, education, health, and employment support programs.

4.1/5

Contact BBB: NR

Best for: St. Louis-area residents experiencing housing instability combined with employment and education barriers who need coordinated support, First-time homebuyers in the St. Louis region seeking education, down payment assistance, and ongoing financial advising

Justine Petersen Housing and Reinvestment Corporation

Missouri-based nonprofit CDFI providing credit building, housing assistance, and small business lending to low-to-moderate income individuals and families.

4.1/5

Contact BBB: NR

Best for: Low-to-moderate income small business owners in the St. Louis region seeking startup or expansion capital, First-time homebuyers preparing for homeownership or struggling with mortgage retention

The Housing Partnership, Inc.

HUD-approved nonprofit housing counselor and community housing development organization serving the St. Louis/Lemay area since 1998, offering free homebuyer education and down payment assistance.

4.1/5

Contact BBB: NR

Best for: First-time homebuyers in the St. Louis/Lemay area seeking free, HUD-certified counseling and education, Lemay residents needing home repair assistance or property maintenance support through volunteer programs

Urban League of Metropolitan Saint Louis - St. Louis County Operations

Non-profit community organization providing free employment services, housing counseling, financial literacy, and utility assistance to low-income families in the St. Louis region since 1918.

4.1/5

Contact BBB: NR

Best for: Low-income families in St. Louis County seeking free utility bill assistance, weatherization, or food/clothing support, Unemployed or underemployed residents needing job training, career counseling, and employment placement services

Urban League of Metropolitan Saint Louis Inc - Ferguson Community Empowerment Center

HUD-certified nonprofit housing counselor serving St. Louis metro with free pre/post-purchase counseling, foreclosure prevention, and rental assistance programs.

4.1/5

Contact BBB: NR

Best for: First-time homebuyers in St. Louis metro seeking free HUD-certified pre-purchase counseling and financial education, Current homeowners facing foreclosure or mortgage default seeking loss mitigation counseling and financial alternatives

All Free Help in Saint Louis (9)

Better Family Life, Inc.

St. Louis-based 501(c)(3) nonprofit community development corporation offering free comprehensive services including financial counseling, workforce development, and family support to 50,000+ low-income residents annually.

4.1/5

Contact BBB: NR

Best for: Low-income Saint Louis residents seeking free comprehensive community services beyond standalone financial counseling, Families needing coordinated support across multiple life domains (housing, employment, youth services, family counseling)

Beyond Housing

Beyond Housing is a comprehensive community development nonprofit serving the St. Louis region with affordable housing, education, health, and employment support programs.

4.1/5

Contact BBB: NR

Best for: St. Louis-area residents experiencing housing instability combined with employment and education barriers who need coordinated support, First-time homebuyers in the St. Louis region seeking education, down payment assistance, and ongoing financial advising

Justine Petersen Housing and Reinvestment Corporation

Missouri-based nonprofit CDFI providing credit building, housing assistance, and small business lending to low-to-moderate income individuals and families.

4.1/5

Contact BBB: NR

Best for: Low-to-moderate income small business owners in the St. Louis region seeking startup or expansion capital, First-time homebuyers preparing for homeownership or struggling with mortgage retention

The Housing Partnership, Inc.

HUD-approved nonprofit housing counselor and community housing development organization serving the St. Louis/Lemay area since 1998, offering free homebuyer education and down payment assistance.

4.1/5

Contact BBB: NR

Best for: First-time homebuyers in the St. Louis/Lemay area seeking free, HUD-certified counseling and education, Lemay residents needing home repair assistance or property maintenance support through volunteer programs

Urban League of Metropolitan Saint Louis - St. Louis County Operations

Non-profit community organization providing free employment services, housing counseling, financial literacy, and utility assistance to low-income families in the St. Louis region since 1918.

4.1/5

Contact BBB: NR

Best for: Low-income families in St. Louis County seeking free utility bill assistance, weatherization, or food/clothing support, Unemployed or underemployed residents needing job training, career counseling, and employment placement services

Urban League of Metropolitan Saint Louis Inc - Ferguson Community Empowerment Center

HUD-certified nonprofit housing counselor serving St. Louis metro with free pre/post-purchase counseling, foreclosure prevention, and rental assistance programs.

4.1/5

Contact BBB: NR

Best for: First-time homebuyers in St. Louis metro seeking free HUD-certified pre-purchase counseling and financial education, Current homeowners facing foreclosure or mortgage default seeking loss mitigation counseling and financial alternatives

Community Action Agency of St. Louis County, Inc. (Caastlc)

Non-profit community action agency in St. Louis County offering free assistance to help low-income families transition from poverty to self-sufficiency through stabilization and empowerment services.

4.0/5

Contact BBB: NR

Best for: Low-income families in St. Louis County seeking free financial stability assistance, Individuals experiencing poverty-related hardship with no resources for paid services

Urban League of Metropolitan Saint Louis Inc - Peter H. Bunce Water Tower Center

Non-profit organization providing free credit counseling, housing guidance, financial literacy, and community empowerment services to St. Louis residents since 1918.

4.0/5

Contact BBB: NR

Best for: St. Louis residents seeking free HUD-certified housing counseling and pre-purchase education, Low-income families needing integrated financial literacy combined with employment and energy assistance

Urban League of Metropolitan Saint Louis, Inc.

Non-profit organization providing free financial literacy, housing counseling, employment services, and community empowerment programs to St. Louis residents since 1918.

4.0/5

Contact BBB: NR

Best for: St. Louis residents seeking HUD-certified housing counseling and mortgage preparation services, Low-income families needing energy assistance (LIHEAP) or home weatherization programs