11 Payday Loan Alternatives: Consider These in 2025

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Payday loans can be a quick solution when you’re facing an emergency or unable to cover a bill — but they aren’t your only choice. From local resources to credit unions, there are alternatives that can help you stay out of long-term debt when you’re facing short-term financial problems.

Are payday loans really that bad?

In general, yes. The price for convenience is crushing interest rates, which can be 400% or more. Fees can add up quickly, especially if you find yourself returning to payday loan centers repeatedly. When each future paycheck is going toward paying off your payday loans, you could very easily get stuck in a cycle of debt.

While some people are able to repay a payday loan and be done with it, the majority struggle to keep up — making payday loans a dangerous form of credit. In most cases, these alternatives are cheaper and less risky. For example, cash advance apps compared to payday loans offer borrowers a way to quick cash without interest or excessive fees.

11 alternatives to payday loans to consider

Payday loans are notorious for high rates — and if you’re already in a financial pinch, it could lead to a cycle of debt. Consider these 11 alternatives before committing to a payday lender.

Alternative	How it works	Details	Best for …
Payday alternative loan (PAL)	A PAL is an inexpensive short-term loan. It acts as an alternative to high-cost payday loans and is regulated by the National Credit Union Administration (NCUA).	Amounts typically between $200 to $1,000. APRs are capped at 28% by the NCUA.	People who are already members of a credit union that offers PALs and can wait multiple business days for funds.
Debt relief companies or credit counseling	A credit counselor, community assistance program or other nonprofit can help you create a budget and a debt repayment plan.	Can involve credit counseling, consolidation, debt management, debt settlement or bankruptcy services.	People who consistently need to borrow, have difficulty budgeting, are on a limited income or who have unmanageable debt.
Negotiate with your creditors	Contact the company and explain that you’re having trouble keeping up with your debt.	Your creditor may help you create a repayment plan or extend your due date to ease your financial burden.	People who need short-term relief from their current debt.
Cash advance apps	Download a cash advance app, create an account and verify income.	Payday advance amounts largely depend on your income, and some apps charge monthly fees.	People who have steady employment and predictable income deposits.
Debt consolidation	Combine two or more debts together into one loan.	Most consolidation loans are done with a personal loan or balance transfer credit card.	People with high-interest debt looking to combine payments or get a lower APR.
Credit card cash advance	Withdraw cash from your credit card’s available balance.	Average credit card rates are around 21%, but intro periods can be 0% for a limited time.	People who already have a credit card and haven’t maxed out their limit.
Employer advance	The employer advances a portion of your paycheck. Some companies might also have financing programs for their employees or provide a cash advance app as a benefit.	Your employer might need to participate in the program to qualify. Some also limit how much you can borrow to money you’ve already earned during your current pay period.	People who have consistent work hours and a good relationship with their company.
Side gigs	Side gigs can include ridesharing, freelancing services, delivering groceries or food, etc.	Many side hustles allow you to work when you’re able and are paid hourly, such as ridesharing.	People who have free time and are able to commit to a side gig.
Ask friends or family for help	Consider asking your friends or family to help cover short-term financial needs.	You likely won’t have to pay interest on the money you borrow. But you may risk your relationship if you frequently ask for help but fail to repay.	People who have a strong social network and can reliably repay a small loan.
Community development financial institutions (CDFIs)	Some local banks, credit unions and loan funds offer small-dollar loans to members of the communities they serve, known as CDFIs.	Might require you to live in a certain area, work in a certain industry or be a member of a particular demographic to qualify for a loan.	People who live near a CDFI, and have a credit score of 600+, and are cashflow positive.
Lending circle	Join a lending circle, decide on terms, pay into the pool and take turns borrowing.	Terms are decided by the other members of the lending circle, but it’s generally considered a low-cost borrowing option.	People who have enough money to contribute to the circle each month and don’t need a fast loan.

Local resources by state

Select your state from the list below to see local resources that offer free financial services and help with everyday expenses.

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State	Resources
Alabama	Alabama Department of Human Resources – Food Assistance Division Food Assistance Division in Alabama operates the state's Food Stamp Program. If you're in an eligible low-income household, you could receive a monthly benefit to buy groceries. Phone number: 800-382-0499 Website: https://mydhr.alabama.gov/ Physical address: Alabama Department of Human Resources. Food Assistance Division, 50 North Ripley St. Montgomery AL 36130 Alabama Medicaid Agency Using the federally funded program Medicaid, the Alabama Medicaid Agency provides funding for medical and healthcare services for eligible citizens with limited resources. Low income families and expecting mothers, long-term care residents, and disabled residents all qualify. Phone number: 800-362-1504 Website: https://medicaid.alabama.gov/ Mailing address: Alabama Medicaid Agency P.O. Box 5624 Montgomery, AL 36103-5624 Physical address: Alabama Medicaid Agency P.O. Box 5624 Montgomery, AL 36103-5624 Low Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling costs through inexpensive weatherization services. Phone number: 334-242-5100 Website: https://adeca.alabama.gov/liheap/ Physical address: Alabama Department of Economic and Community Affairs (ADECO), 401 Adams Avenue, Suite 580, Montgomery, Alabama, 36104
Alaska	Food Stamp Program This federal and state funded program offers food assistance to eligible households in Alaska. Phone number: 907-465-3347 Website: dhss.alaska.gov/dpa/Pages/fstamps/default.aspx Physical address: Alaskan Food Stamp Program PO Box 110640 Juneau, AK 99811-0640 Heating Assistance Program The Heating Assistance Program (HAP) offers renters and homeowners in Alaska financial aid with regard to heating expenses. Phone number: 800-470-3058 888-804-6330 Website: dhss.alaska.gov/dpa/Pages/hap/default.aspx Physical address: HAP 350 Main Street, Suite 317 Juneau, AK 99811-1700 General Relief Assistance (GRA) General Relief Assistance (GRA) can help to provide food, shelter, utilities, and other basic needs for those experiencing financial crises. Phone number: 1-907-465-3347 1-800-478-3537 Website: dhss.alaska.gov/dpa/Pages/gra/default.aspx Physical address: Division of Public Assistance 10002 Glacier Hwy, Suite 200 Juneau, AK 99801 Alaska Temporary Assistance Program (ATAP) This program aids low-income families in Alaska to meet basic needs though employment services and cash assistance. Phone number: 1-907-465-3347 Website: dhss.alaska.gov/dpa/Pages/atap/default.aspx Physical address: ATAP PO Box 110640 Juneau, AK 99811-0640
Arizona	Cash Assistance Program If you are an eligible low-income family with children, Arizona's Cash Assistance Program can provide support programs and temporary cash benefits to help meet basic needs. Phone number: 1-602-542-9935 1-800-352-8401 Website: www1.nyc.gov/site/dhs/index.page Physical address: Dept of Economic Security PO Box 23167 Phoenix, AZ 85063 Low Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through inexpensive weatherization services. Phone number: 1-602-262-4520 Website: des.az.gov/services/aging-and-adult/community-services/energy-assistance Physical address: City of Phoenix Human Services 200 W. Washington St. 18th Floor Phoenix, AZ 85003
Arkansas	Home Energy Assistance Program (HEAP) Home Energy Assistance Program (HEAP) helps eligilbe households with the cost of heating and cooling their homes. If you are low-income, disabled, or an elderly resident, you could be eligible for utility benefits or inexpensive weatherization services to reduce your future energy costs. Phone number: 1-501-682-8715 1-800-482-8988 Website: www.arkansas.gov/ Physical address: Arkansas Department of Human Services, Slot S330 PO Box 1437 Little Rock AR 72203-1437 Food Stamp Program The federal and state funded Food Stamp Program provides eligible households with food assistance through Electronic Benefits transfer (EBT). If you're in an eligible low-income household, you could receive these benefits to cover a portion of your food cost. Phone number: 1-800-482-8988 1-501-682-8233 Website: humanservices.arkansas.gov/dco/Pages/SupportServices.aspx Physical address: Arkansas Dept. of Human Services Customer Service Unit, PO Box 1437 Slot S340 Little Rock, AR 72203-1437
California	California Work Opportunity and Responsibility to Kids (CalWORKs) CalWORKS operates a state-wide welfare program. This program provides cash assistance to cover the basic needs of low-income families. Eligible Californians can receive either short-term or ongoing monthly assistance to cover the costs of medical expenses, food, shelter, and utilities. Phone number: 866-613-3777 Website: www.cdss.ca.gov/CalWORKS Physical address: CalWorks Metro Family, 2315 S. Grand Ave, Los Angeles, CA 90007 Cash Assistance Program for Immigrants (CAPI) If you are a legal non-citizen who is not eligible for Supplemental Social Security Income or State Supplemental Payment the Cash Assistance Program for Immigrants (CAPI) can provide you with cash to help cover your basic needs. Phone number: 866-613-3777 310-258-7400 626-569-1399 Website: dpss.lacounty.gov/wps/portal/dpss Physical address: CAPI Wilshire Office, 2415 W 6th St. Los Angeles, CA 90057 Food Stamp Program (CalFresh) CalFresh in California operates the state's Food Stamp Program. If you're in an eligible low-income household, you could receive a monthly benefit to buy groceries. Phone number: 1-877-847-3663 Website: www.cdss.ca.gov/inforesources/calfresh Physical address: California Dept. of Social Services, 744 P Street, MS 8-16-50 Sacramento, CA 95814 Compare 3 payday loan alternatives in California
Colorado	Low Income Energy and Heating Assistance (LEAP) Through the months of Novermber to May, Colorado's Low Income Energy and Heating Assistance helps low-income residents with the cost of their energy needs. Phone number: 1-303-866-5700 1-720-944-3666 Website: sites.google.com/a/state.co.us/cdhs-leap/ Physical address: Dept. of Human Services-Denver, 1200 Federal Boulevard Denver, CO 80204
Connecticut	Food Stamp Program Connecticut's Food Stamp Program provides eligible low-income residents with a monthly Electronic Benefits transfer (EBT) to cover a portion of your food cost. Phone number: 1-800-842-1508 Website: portal.ct.gov/dss Physical address: The Department of Social Service, 25 Sigourney Street Hartford, CT 06106-5033 Connecticut's Winter Heating Assistance Program Connecticut's Winter Heating Assistance Program helps eligible households with the cost of heating their homes. Homeowners and renters can both be eligible for assistance in paying for a household's primary heating source or for weatherization services. Phone number: 1-800-842-1132 Website: portal.ct.gov/dss Physical address: Department of Social Services, 25 Sigourney Street Hartford, CT 06106-5033
Delaware	Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 1-302-255-9500 1-800-464-4357 Website: www.dhss.delaware.gov/dss/tanf.html Physical address: TANF, 1901 N. Du Pont Highway, Lewis Bldg. New Castle, DE 19720 Food Supplement Program Using the Delaware Food First Card, the Food Supplement Program provides monthly benefits to low-income families to buy nutritious foods directly from the grocery store. Phone number: 1-302-255-9668 Website: www.dhss.delaware.gov/dhss/dss/foodstamps.html Physical address: Division of Social Services, 1901 N. Du Pont Highway, Lewis Bldg. New Castle, DE 19720 Compare 8 financial assistance programs in Delaware
Florida	Florida Food Assistance Program This program, administered by the Florida Department of Children and Families, helps low-income households in Florida pay for nutritious food through financial assistance. Florida Temporary Cash Assistance (TCA). Florida DCF also administers the TCA program, which provides cash assistance to families with children under the age of 18 (or 19 if still in high school), as long as they meet income and other requirements. Phone number: 850-300-4323 SNAP website: https://www.myflfamilies.com/services/public-assistance/supplemental-nutrition-assistance-program-snap TCA website: https://www.myflfamilies.com/services/public-assistance/temporary-cash-assistance Physical address: Florida DCF 2415 North Monroe Street, Suite 400 Tallahassee, Florida, 32303
Georgia	HomeSafe Georgia HomeSafe Georgia assists unemployed residents and those whose income has significantly decreased by providing temporary mortgage assistance. Phone number: 1-877-519-4443 1-770-806-2100 Website: www.homesafegeorgia.com Physical address: HomeSafe Georgia Georgia Dept of Community Affairs, 60 Executive Park South Atlanta, GA 30329-2231 Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services. Phone number: 1-800-869-1150 1-404-463-7259 Website: dfcs.georgia.gov/low-income-home-energy-assistance-program-liheap Physical address: Energy Assistance Program (LIHEAP), Two Peachtree Street, NW, Suite 29-250 Atlanta, GA 30303-3181 Medicaid The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship. Phone number: 1-800-766-4456 1-404-647-5468 Website: dch.georgia.gov/medicaid Physical address: Medicaid Office Location- Georgia Department of Community Health 2 Peachtree Street, NW Atlanta, GA 30303 Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 1-800-869-1150 Website: dfcs.georgia.gov/tanf-eligibility-requirements Physical address: Temporary Assistance for Needy Families(TANF)- Department of Human Services, Two Peachtree Street, NW, Suite 29-250 Atlanta, GA 30303-3181 Heating Energy Assistance Team (H.E.A.T.) Heating Energy Assistance Team (H.E.A.T) assists eligible low-income Georgia residents pay for their utilities through direct collaboration with the community, energy companies, and other organizations. Phone number: 1-678-406-0212 Website: www.heatga.org Physical address: H.E.A.T. Inc. 2167 Northlake Parkway, Suite 103 Tucker, GA 30084
Hawaii	LIHEAP in Hawaii Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services. Phone number: 1-808-586-5734 Website: humanservices.hawaii.gov/bessd/liheap/ Physical address: BESSD/FAP/LIHEAP Benefit, Employment, and Support Services Division Financial Assistance Office 820 Mililani Street, Suite 606 Honolulu, Hawaii 96813 SNAP The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides monthly funding through an EBT card to low income households and unemployed residents to buy nutritious food. Phone number: 1-808-586-4997 Website: humanservices.hawaii.gov/bessd/snap/ Physical address: SNAP- Director's Office 1390 Miller Street, Room 209 Honolulu, HI 96813
Idaho	Ada County Indigent Services Ada County Indigent Services operates a county-wide welfare service. This program provides assistance to cover the basic needs of low-income families including medical bills and rent. Phone number: 1-208-287-7960 Website: adacounty.id.gov/Indigent-Services Physical address: Ada County Welfare Dept, 200 West Front St. Suite 3131, Boise, ID 83702 2-1-1 Idaho CareLine, Information and Referral- Boise (Westgate) Office The 2-1-1 Idaho CareLine database includes resources and programs available for those looking for assistance with rent, utility costs, medical care, food benefits and more. Phone number: 1-877-456-1233 1-800-926-2588 Website: www.211.idaho.gov Physical address: 2-1-1 Idaho, 1720 Westgate Dr, Boise, ID 83704
Illinois	Illinois Low Income Home Energy Assistance Program (LIHEAP). LIHEAP helps eligible Illinois families pay for home energy services — primarily heat during the winter. Phone number: 831-711-0374 Website: https://dceo.illinois.gov/communityservices/utilitybillassistance.html Physical address: Illinois Dept. of Commerce & Economic Opportunity 555 West Monroe, 12th Floor Chicago, IL 60611 Illinois Department of Human Services (IDHS) Temporary Assistance for Needy Families. Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 800-843-6154 Website: www.dhs.state.il.us/page.aspx?item=30358 Physical address: Department of Human Services Bureau of Customer and Support Services 100 S Grand Avenue, 2nd Floor Springfield, IL 62762 IDHS Supplemental Nutrition Assistance (SNAP). The IDHS SNAP program provides food assistance for income-eligible individuals and families in Illinois. Phone number: 800-843-6154 Website: https://www.dhs.state.il.us/page.aspx?item=164979 Physical address: Department of Human Services - Chicago 401 South Clinton Street Chicago, IL 60607
Indiana	Low Income Energy Assistance Program Between mid November and May, the Low Income Energy Assistance Program helps eligible individuals and households in meeting their energy needs through financial assistance. Phone number: 1-800-872-0371 1-202-429-8855 Website: www.in.gov/ihcda/2329.htm Physical address: Low Income Energy Assistance Program, 1016 West Edge Mall Suite 420 Auburn, IN 46706 Community Harvest Food Bank Community Harvest Food Bank of northeast Indiana provide food for those in need through donations from their network of donors, churches and more. Phone number: 1-888-774-1465 1-219-447-3696 Website: www.communityharvest.org/ Physical address: Community Harvest, 999 East Tillman Road Fort Wayne, IN 46816
Iowa	Food Assistance Program The Food Assistance program offers healthy food to low income families in need to promote proper nutrition. Phone number: 1-877-YES-FOOD 1-515-725-2600 Website: dhs.iowa.gov/food-assistance Physical address: Food Assistance Program- Polk County DHS, River place 2309 Euclid Ave Des Moines, IA 50310 Family Investment Program (FIP) This program offers families in the transition from low income to self-sufficient with cash assistance to insure that children can remain cared for by their family. Phone number: 1-515-281-4848 1-800-972-2017 Website: dhs.iowa.gov/cash-assistance Physical address: Family Investment Program(FIP)- Iowa Dept of Human Services 1305 E. Walnut, Des Moines, IA 50319-0114 LIHEAP in Iowa Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services. Phone number: 1-515-281-0859 Website: humanrights.iowa.gov/dcaa/liheap Physical address: LIHEAP Iowa Department of Human Rights/D.C.A.A.Lucas State Office Building Des Moines, IA 50319
Kansas	Kansas Department of Children and Families The Kansas Department of Children and Families provides financial assistance to parents or guardians who require child care and are unable to cover the cost themselves. Phone number: 1-888-369-4777 1-888-757-2445 Website: www.dcf.ks.gov/Pages/default.aspx Physical address: Kansas Department for Children and Families Office of the Secretary 915 SW Harrison Street Topeka, Kansas 66612 Food Assistance Program The Food Assistance program offers healthy food to the hungry and low income families in need to promote proper nutrition. Phone number: 1-888-369-4777 1-800-997-6666 Website: www.dcf.ks.gov/services/ees/Pages/Food/FoodAssistance.aspx Physical address: Kansas Food Assistance Program, 915 SW Harrison St., Topeka, KS 66612 The Successful Families Program The Successful Families Program provides support and employment services, as well as cash assistance to eligible low income families. Phone number: 1-888-369-4777 Website: www.dcf.ks.gov/services/ees/Pages/Cash/TAF.aspx Physical address: The Successful Family Program, 915 SW Harrison St., Topeka, KS 66612 Low Income Energy Assistance Program (LIEAP) Low Income Energy Assistance Program (LIEAP) aims to assist residents with home heating and cooling cost. If you are low income, disabled or elderly you may be eligible for a financial benefit to cover a portion of your yearly energy needs. Phone number: 1-800-432-0043 Website: www.dcf.ks.gov/services/ees/Pages/Energy/EnergyAssistance.aspx Physical address: Kansas Energy Division, Kansas Corporation Commission, 1500 SW Arrowhead Road, Topeka, KS 66604-4074 Kansas HealthWave This program offers Kansas residents low-cost health coverage for children and their parents. This program may also cover the cost of existing medical bills. Phone number: 1-800-792-4884 1-800-792-4292 Website: www.kancare.ks.gov/apply.htm Physical address: Kansas HealthWave, P.O. Box 3599 Topeka, KS 66601 The Kansas Weatherization Assistance Program (K-WAP) Qualified households in Kansas can lower the cost of their energy bills through weatherization efforts provided by the Kansas Weatherization Assistance Program (K-WAP). Phone number: 1-800-752-4422 1-785-217-2001 Website: www.kshousingcorp.org/weatherization.aspx Physical address: Kansas Weatherization Assistance Program (KWAP), 611 S. Kansas Avenue, Suite 300 Topeka, KS 66603-3803
Kentucky	Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-502-564-7050 Website: chfs.ky.gov/dcbs/dfs/foodstampsebt.htm Physical address: Supplemental Nutrition Assistance Program (SNAP), 275 E. Main St., 3E-I Frankfort, KY 40621 The Low Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services. Phone number: 1-502-564-3440 1-800-456-3452 Website: chfs.ky.gov/dcbs/dfs/liheap.htm Physical address: LIHEAP, 275 E. Main St., 3E-I Frankfort, KY 40621
Louisiana	Family Independence Temporary Assistance Program (FITAP) This temporary assistance program offers low-income families with children cash assistance to meet their basic needs. Phone number: 1-225-342-2346 1-888-524-3578 Website: www.dss.state.la.us/index.cfm?md=pagebuilder&tmp=home&pid=139 Physical address: FITAP, 627 N. Fourth St. Baton Rouge, LA 70802 Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-800-221-5689 1-225-219-0351 Website: www.dss.state.la.us/index.cfm?md=pagebuilder&tmp=home&pid=93 Physical address: SNAP, Southern University Agricultural Research & Extension Center P.O. Box 10010 Baton Rouge, LA 70813 Temporary Assistance to Needy Families Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 1-225-342-3950 1-800-706-8263 Website: www.dcfs.louisiana.gov/index.cfm?md=pagebuilder&tmp=home&nid=207&pnid=158&pid=56 Physical address: Temporary Assistance to Needy Families 1201 North Third Street Commissioners Office, Suite 7-230
Maine	Low Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist homeowners or renters who are low-income, disabled, or elderly residents with home heating cost. Phone number: 1-207-624-5708 1-207-626-4603 Website: http://www.mainehousing.org/programs-services/energy/energydetails/low-income-assistance-plan Physical address: LIHEAP, 353 Water Street, Augusta Maine 04330 Western Maine Community Action Fuel/Energy Assistance Program Low income individuals in the western Maine area may qualify for financial assistance in paying their energy bills through the Fuel Assistance Program. Phone number: 1-800-645-9396 1-207-645-3764 Website: www.thecommunityconnector.org/directory/profile/western-maine-community-action-fuelenergy-assistance-program/category/agenciesorganizations-with-housing-programs Physical address: Western Maine Community Action Fuel/ EAP, PO Box 200 East Wilton, ME 04234 Alternative Aid Assistance Alternative Aid Assistance offers employment services and temporary financial benefits through vouchers worth up to the equivalent of three months of TANF benefits. Phone number: 1-800-442-6003 1-207-624-4168 Website: www.maine.gov/dhhs/ofi/index.html Physical address: Alternative Aid Assistance, 11 State House Station Whitten Road Augusta, ME 04333 Parents as Scholars Parents attending a two to four year postsecondary programs may qualify for a monthly financial benefit through the Parents as Scholars program. Phone number: 1-800-452-1926 1-207-624-8000 Website: www.maine.gov/dhhs/ofi/index.html Physical address: Parents as Scholars 219 Capitol Street Augusta, ME 04333
Maryland	Temporary Cash Assistance This program administers cash assistance benefits to eligible low-income families with dependents to meet basic needs. This program aims to further provide preparation programs to ensure cash assistance is a temporary solution. Phone number: 1-800-332-6347 Website: dhr.maryland.gov/weathering-tough-times/temporary-cash-assistance/ Physical address: Temporary Cash Assistance 311 West Saratoga Street, Baltimore, MD 21201 Emergency Assistance to Families with Children (EAFC) If you have dependent child you may be eligible for emergency cash assistance for the use of bills, rent, or emergencies through the Emergency Assistance to Families with Children (EAFC) program. Phone number: 1-800-332-6347 Website: dhr.maryland.gov/weathering-tough-times/emergency-assistance/ Physical address: DHR Constituent Services Unit 311 West Saratoga Street Baltimore, MD 21201 Maryland Energy Assistance Program (MEAP) The Maryland Energy Assistance Program (MEAP) helps eligible households with their energy costs. Phone number: 1-800-352-1446 Website: dhr.maryland.gov/office-of-home-energy-programs/ Physical address: Office of Home Energy Programs 311 West Saratoga St. Baltimore, MD 21201 Food Supplement Program (FSP) The Food Supplement Program (FSP) is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-800-332-6347 Website: dhr.maryland.gov/food-supplement-program/ Physical address: Food Supplement Program 311 West Saratoga Street, Baltimore, MD 21201
Massachusetts	SNAP, the Supplemental Nutrition Assistance Program The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-800-249-2007 Website: www.mass.gov/snap-benefits-food-stamps Physical address: SNAP, Department of Transitional Assistance 600 Washington Street Boston, MA 02111 Transitional Aid to Families with Dependent Children (TAFDC) Sometimes known as welfare, TAFDC offers cash benefits and health insurance to low income families with children to insure that basic needs are being met. Phone number: 1-800-249-2007 1-800-445-6604 Website: www.mass.gov/service-details/check-eligibility-for-tafdc Physical address: TAFDC, Department of Transitional Assistance600 Washington St. Boston, MA 02111
Michigan	Michigan Home Heating Assistance Programs This list provided by the Departments of Human Services in Michigan gives residents access to a variety of financial assistance programs with relation to home energy costs. Phone number: 1-800-450-7260 Website: www.michigan.gov/mdhhs/0,5885,7-339-71547_5531_62128—,00.html Physical address: Department of Human Services 235 S. Grand Ave. P.O. Box 30037 Lansing, Michigan 48909 Project FRESH – Farmer's Market Nutrition Program Project FRESH provides low-income and hungry residents with locally grown produce. Phone number: 1-517-373-3740 1-517-335-9030 Website: www.michigan.gov/mdhhs/0,5885,7-339-71547_4910_4921—,00.html Physical address: Project Fresh, Capitol View Building 201 Townsend Street Lansing, Michigan 48913 Weatherization Assistance Program (WAP) Weatherization Assistance Program (WAP) aims to assist low-income homeowners and renters with their heating costs through free weatherization services. Phone number: 1-517-373-2035 Website: energy.gov/eere/wipo/weatherization-and-intergovernmental-programs-office Physical address: Department of Human Services P.O. Box 30037 Lansing, Michigan 48909 Michigan Medicare/Medicaid Assistance Program (MMAP) The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship. Phone number: 1-800-803-7174 Website: mmapinc.org/ Physical address: MMAP, 6105 West St. Joseph Suite 204 Lansing, MI. 48917-4850
Minnesota	Energy Assistance Program The Energy Assistance Program (EAP) aims to assist low-income homeowners and renters with their heating costs through financial benefits Phone number: 1-800-657-3710 1-651-539-1882 Website: accel.minnesotaenergyresources.com/home/lieap.aspx Physical address: Minnesota Department of Commerce Division of Energy Resources 85 7th Place East, Suite 500 St. Paul, MN 55101 Food Support Program The programs assiciated with Minnesota's Food Support Program all offer food assistance to low income households and individuals. Phone number: 1-800-657-3698 1-888-711-1151 Website: mn.gov/dhs/partners-and-providers/program-overviews/economic-supports-cash-food/ Physical address: Food Support Program PO Box 64979 St. Paul, MN 55164-0979 Medical Assistance The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship. Phone number: 1-651-431-2670 1-800-657-3739 Website: mn.gov/dhs/ Physical address: Please reference website for your nearest location
Mississippi	TANF – Temporary Assistance for Needy Families Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families with children up to the age of 18. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 1-800-345-6347 1-601-359-4500 Website: www.mdhs.ms.gov/temporary-assistance-for-needy-families-(tanf)/ Physical address: TANF, Mississippi Department of Human Services 750 North State St., Jackson, MS 39202 Division of Economic Assistance Food Stamps Program The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps, coordinated state-wide through the Mississippi Department of Human Services. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-800-948-3050 1-601-359-4419 Website: www.mdhs.state.ms.us/supplemental-nutrition-assistance-program-%28snap%29/ Physical address: SNAP, Missippi Department of Human Services 750 North State Street Jackson, MS 39202
Missouri	Food Stamps The federal and state funded Food Stamp Program provides eligible households with food assistance through Missouri Electronic Benefits transfer (EBT). If you're in an eligible low-income household, you could receive these benefits to cover a portion of your food cost. Phone number: 1-573-522-8024 1-855-373-4636 Physical address: Food Stamps, 221 West High Street P.O. Box 1527 Jefferson City, MO 65102-1527 Low Income Home Energy Assistance Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating cost through financial assistance from October up to and including March. Phone number: 1-573-522-8024 Website: dss.mo.gov/fsd/energy-assistance/index.htm Physical address: LIHEAP- Missouri Department of Social Services, 221 West High Street P.O. Box 1527 Jefferson City, MO 65102-1527
Montana	Low-Income Energy Assistance Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating cost through financial assistance. Phone number: 1-800-332-2272 1-406-444-5622 Website: dphhs.mt.gov/hcsd/energyassistance Physical address: Montana Public Health and Human Services- LIHEAPPO Box 4210 , Helena MT 59604-4210 Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-866-850-1556 1-406-444–1788 Website: dphhs.mt.gov/hcsd/snap/index Physical address: SNAPHuman & Community Services Division111 N Jackson Street PO Bo 202925 Helena, MT 59620-5902 Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution and is only available for up to 60 months. Phone number: 1-406-444-1917 1-800-332-2272 Website: dphhs.mt.gov/hcsd/tanf/tanfeligibility Physical address: Temporary Assistance for Needy Families (TANF) 206 N. Broadway Red Lodge, MT 59068
Nebraska	Nebraska Low Income Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services. Phone number: 1-402-471-3121 1-800-254-4202 Website: dhhs.ne.gov/children_family_services/Pages/fia_energy.aspx Physical address: Nebraska Department of Health & Human Services 301 Centennial Mall South, Lincoln, Nebraska 68509 Supplemental Nutrition Assistance Program (SNAP) {formerly Food Stamps} The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-402-323-3900 1-800-383-4278 Website: dhhs.ne.gov/children_family_services/Pages/fia_fstamps.aspx Physical address: SNAP, Nebraska Department of Health & Human Services 301 Centennial Mall South, Lincoln, Nebraska 68509
Nevada	The Community Food Bank of Clark County The Community Food Bank of Clark County service helps by providing food to low-income Las Vegas residents and unemployed individuals. Phone number: 1-702-643-0074 Website: www.homelessshelterdirectory.org/cgi-bin/id/foodbank.cgi?foodbank=2315 Physical address: Community Food Bank Clark County, 4168 N Pecos Rd Las Vegas, NV 89115 Energy/Utilities Emergency Assistance Nevada provides two programs to help reduce the cost of utilites. If you are eligible, these programs can offer financial assistance by covering a portion of your energy bill, or can offer weatherization services to reduce your future energy costs. Phone number: 1-775-684-0731 1-800-992-0900 Website: www.nvenergy.com/home/assistance/nvenergyconnection.cfm Physical address: State of Nevada Energy Assistance Program, 1470 E. College Parkway Carson City, NV 89706 Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 1-775-684-0800 Website: dwss.nv.gov/?TANF.html Physical address: Temporary Assistance for Needy Families (TANF) 2533 North Carson Street, Suite 200 Carson City, NV 89706 Emergency Cash Assistance Program In Nebraska, families with children can qualify for cash assistance in times of emergency from the Emergency Cash Assistance Program. Phone number: 1-402-471-3121 Website: dhhs.ne.gov/children_family_services/Pages/fia_emergencyassist.aspx Physical address: Emergency Cash Assistance Program P.O. Box 95044 Lincoln, NE 68509-5044
New Hampshire	Medicaid Program The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship. Phone number: 1-603-271-4344 1-800-852-3345 x4344 Website: www.dhhs.nh.gov/ombp/medicaid/index.htm#about Physical address: Medicaid Program, Dept of Health and Human Services 97 Pleasant Street Concord, NH 03301 Food Stamp Program The federal and state funded Food Stamp Program provides eligible households with food assistance through monthly food benefits. If you're in an eligible low-income household, you could receive these benefits to cover a portion of your food cost. Phone number: 1-603-271-9700 1-800-852-3345 x9700 Website: www.dhhs.nh.gov/dfa/foodstamps/index.htm Physical address: Food Stamp Program Division of Family Assistance NH Department of Health & Human Services 129 Pleasant Street Concord, NH 03301 Fuel Assistance Program (FAP) The New Hampshire Fuel Assistance Program (FAP) assists eligible low income residents with financial aid regarding energy costs, as well as emergency services such as fuel delivery. Phone number: 1-603-271-2155 1-603-271-2615 Website: www.nh.gov/osi/energy/programs/fuel-assistance/ Physical address: NH Office of Energy and Planning Governor Hugh J. Gallen State Office Park Johnson Hall, 3rd Floor 107 Pleasant Street Concord, NH 03301
New Jersey	New Jersey Food Stamps The federal and state funded Food Stamp Program provides eligible households with food assistance through monthly food benefits. If you're in an eligible low-income household, you could receive these benefits to cover a portion of your food cost. Phone number: 1-856-582-9200 1-800-687-9512 Website: www.nj.gov/humanservices/dfd/programs/njsnap/ Physical address: New Jersey Food Stamps, 400 Holly Dell Dr Sewell, NJ 08080 New Jersey Energy Assistance The New Jersey Energy Assistance program aims to assist low-income residents with home heating and cooling cost through financial assistance and emergency energy services. Phone number: 1-866-240-1347 Website: www.state.nj.us/dca/divisions/dhcr/offices/eap.html Physical address: New Jersey Energy Assistance Department of Community Affairs PO Box 800 Trenton, NJ 08625-0800
New Mexico	Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 1-888-473-3676 Website: www.hsd.state.nm.us/LookingForAssistance/Temporary_Assistance_for_Needy_Families.aspx Physical address: TANF, New Mexico Human Services Dept. 2009 S. Pacheco, Pollon Plaza • Santa Fe, NM 87504 Supplemental Security Income (SSI) If you are disabled, blind, or over the age of 65 with little to no income you could be eligible for Supplemental Security Income (SSI). This program is a financial assistance program that is federally funded for those who demonstrate a financial need and are unable to provide for themselves. Phone number: 1-800-772-1213 Website: www.sharenm.org/knowledgebase/resourceAssistanceTopic.php?topic=3025 Physical address: SSI, NM Office 4300 Cutler NE Albuquerque, New Mexico 87110 Low Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and crisis services for those needing immediate utility services. Phone number: 1-800-283-4465 Website: www.hsd.state.nm.us/LookingForAssistance/Low_Income_Home_Energy_Assistance_Program.aspx Physical address: LIHEAP, Human Services Department P.O. Box 2348 Pollon Plaza Santa Fe, NM 87504-2348 Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps, coordinated state-wide through the New Mexico Department of Human Services. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-800-432-6217 1-877-993-3637 Website: www.hsd.state.nm.us/LookingForAssistance/Supplemental_Nutrition_Assistance_Program__SNAP_.aspx Physical address: SNAP, New Mexico Human Services Dept. 2009 S. Pacheco Pollon Plaza Santa Fe, NM 87504 New Mexico Energy $mart Program The New Mexico Energy $mart Program offers free weatherization services for low income renters and homeowners to reduce their energy costs. Phone number: 1-505-345-4949 1-855-345-4949 Website: www.housingnm.org/homeowners/energysmart/ Physical address: Central NM Housing Corporation, 703 Osuna Road NE, Suite #2 Albuqurque, NM 87113
New York	Food Bank for New York City. Using donations and funding through the help of corporations, nonprofits and government organizations this food bank service helps by providing food, support services and information to low-income and unemployed individuals across New York City. Phone number: 212-566-7855 Website: www.foodbanknyc.org/ Physical address: Food Bank for New York City 355 Food Center Drive Bronx, NY, 10006 Home Energy Assistance Program (HEAP). HEAP aims to assist low-income, disabled, or elderly residents with home heating and cooling costs through financial assistance and crisis services for those needing immediate utility services. Phone number: 518-473-1090 Website: https://otda.ny.gov/programs/heap/ Physical address: NY State Office of Temporary and Disability Assistance 40 North Pearl Street Albany, NY, 12243 The Earned Income Tax Credit. If you have a low or moderate income and are a resident of New York, you could qualify for tax credits to offset a portion of your taxes. Phone number: 518-473-1090 Website: otda.ny.gov/workingfamilies/taxcredits.asp Medicaid. The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship. Phone number: 800-541-2831 Website: https://www.health.ny.gov/health_care/medicaid/ Physical address: New York State Department of Health Corning Tower, Empire State Plaza Albany, NY, 12237
North Carolina	Low Income Energy Assistance Program Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling costs through yearly financial assistance and crisis services for those needing immediate utility services. Phone number: 919-733-9370 800-688-6696 Website: www.dhhs.state.nc.us/dss/energy/index.htm Physical address: DHHS Mailing Address 2001 Mail Service Center Raleigh, NC 27699-2001 North Carolina Food and Nutrition Services Food and Nutrition Services (FNS) runs the North Carolina division of the Food Stamp Program which aims to provide eligible households with food assistance through monthly food benefits. If you're in an eligible low-income household, you could receive these benefits to cover a portion of your food cost. Phone number: 919-733-9370 919-527-6335 Website: www.ncdhhs.gov/assistance/low-income-services/food-nutrition-services-food-stamps Physical address: North Carolina Food and Nutrition Services (FNS) NC Division of Social Services 2401 Mail Service Center Raleigh, NC 27699-2401 Emergency Assistance If your family is experiencing a financial emergency you may be eligible for financial aid through the Emergency Assistance program of North Carolina. Phone number: 919-527-6300 919-527-6335 Physical address: Division of Social Services Albemarle Building 8th Floor 325 N. Salisbury St. Raleigh, NC 27601 Crisis Intervention Program To help families with their heating and cooling needs, the Crisis Intervention Program (CIP) provides assistance in times of energy related emergencies. Phone number: 919-733-3055 919-855-3200 Website: www.dhhs.state.nc.us/dss/crisis/index.htm Physical address: NC DHHS Division of Social Services Albemarle Building 8th Floor 325 N. Salisbury St. Raleigh, NC 27601
North Dakota	Supplemental Nutrition Assistance Program The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formerly known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 701-328-2332 800-755-2716 Website: www.nd.gov/dhs/services/financialhelp/foodstamps.html Physical address: Supplemental Nutrition Assistance Program (SNAP) Economic Assistance Policy Division 600 E Boulevard Avenue, Dept. 325 Bismarck ND 58505-0250 Low Income Home Energy Assistance Program The North Dakota Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling costs through financial assistance and inexpensive weatherization and insulation services. Phone number: 701-328-2332 800-755-2716 Website: www.nd.gov/dhs/services/financialhelp/energyassist.html Physical address: Low Income Home Energy Assistance Program Economic Assistance Policy Division 600 E Boulevard Dept 325 Bismarck ND 58505-0250 Medicaid The North Dakota office of the federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship. Phone number: 701-328-2321 800-755-2604 Website: www.nd.gov/dhs/services/medicalserv/medicaid/ Physical address: MEDICAID North Dakota Department of Human Services 600 E Boulevard Ave, Dept 325 Bismarck, ND 58505-0250 Temporary Assistance for Needy Families Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 701-328-2332 800-755-2716 Website: www.nd.gov/dhs/services/financialhelp/tanfjobs.html Physical address: TANF / JOBS ProgramsEconomic Assistance Policy Division 600 E Boulevard Dept 325 Bismarck ND 58505-0250
Ohio	Home Energy Assistance Program The Home Energy Assistance Program (HEAP) run by the Ohio Development Services Agency's Office of Community Assistance (OCA) aims to assist low-income residents with home heating costs through financial assistance. Phone number: 800-282-0880 Website: development.ohio.gov/is/is_heap.htm Physical address: HEAP P.O. Box 1240 Columbus, Ohio 43216 The Emergency Food Assistance Program The Emergency Food Assistance Program (TEFAP) assists Ohio families in poverty receive food through local Food Banks. Phone number: 1-703-305-2680 Website: www.fns.usda.gov/tefap/emergency-food-assistance-program-tefap Physical address: The Emergency Food Assistance Program (TEFAP) 3101 Park Center Drive, Room 504 Alexandria, VA 22302 Medicaid The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship. Phone number: 1-800-324-8680 1-800-686-1516 Website: medicaid.ohio.gov/HOME.aspx Physical address: Ohio Dept of Medicaid 50 West Town Street, Suite 400, Columbus, Ohio 43215
Oklahoma	Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families or guardians with children as determined by state regulations. This program aims to further provide employment services and programs to ensure cash assistance is a temporary solution. Phone number: 1-405-521-4391 1-866-411-1877 Website: www.okdhs.org/services/tanf/Pages/TANFHome.aspx Physical address: TANF2400 N. Lincoln Blvd. Oklahoma City, OK 73105 Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-405-521-3444 1-866-411-1877 Website: www.okdhs.org/services/snap/Pages/default.aspx Physical address: SNAPOklahoma Department of Human Services P.O. Box 25352 Oklahoma City, OK 73125-0352 Low-Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents whose utilities are being threatened. They aim to offset some home heating and cooling cost through financial assistance and inexpensive weatherization. Phone number: 1-405-521-3444 1-866-411-1877 Website: www.okdhs.org/services/liheap/Pages/UtilityServicesLIHEAPMain.aspx Physical address: LIHEAPSequoyah Memorial Office Building 2400 N. Lincoln Blvd. Oklahoma City, OK 73105
Oregon	Oregon HEAT Operating as a nonprofit organization, Oregon HEAT provides energy education and resources for low income residents and residents in emergency situations to meet their basic utility needs. Phone number: 1-503-612-6300 Website: www.oregonenergyfund.org/heat-oregon-proudly-changes-their-name-to-oregon-energy-fund/ Physical address: Oregon HEAT PO Box 127 Tualatin, Oregon 97062-0127 Temporary Assistance to Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 1-503-945-5944 Website: www.oregon.gov/DHS/ASSISTANCE/CASH/Pages/Apply-TANF.aspx Physical address: Temporary Assistance to Needy FamiliesDepartment of Human Services 500 Summer St NE Salem, OR 97301 Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-503-945-5600 Website: www.oregon.gov/dhs/assistance/food-benefits/pages/index.aspx Physical address: Supplemental Nutrition Assistance Program (SNAP)Oregon Department of Human Services 500 Summer St. NE Salem, OR 97301
Pennsylvania	Temporary Assistance to Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families with children as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 1-800-692-7462 Website: www.dhs.pa.gov/citizens/cashassistance/tanfandmovingtoindependence/index.htm Physical address: Room 431 Health and Welfare Building, Harrisburg, Pennsylvania 17120 Low-Income Home Energy Assistance Program (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization and insulation services. Phone number: 1-570-296-6114 1-800-692-7462 Website: www.dhs.pa.gov/citizens/heatingassistanceliheap/index.htm Physical address: Pike County Assistance Office, Milford Professional Park Suite 101, 10 Buist Road Milford, PA 18377
Rhode Island	Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-866-306-0270 1-401-462-5300 Physical address: Providence Regional Family Center 206 Elmwood Avenue Providence, RI 02907
South Carolina	Family Independence Program The Family Independence (FI) is a program that temporarily helps families with dependants who are unable to meet basic needs by providing financial assistance, employment services, and training. Phone number: 1-803-898-7601 1-800-768-5700 Website: dss.sc.gov/content/customers/finance/fi.aspx Physical address: Family Independence Program- TANF South Carolina Department of Social Services P.O. Box 1520 Columbia, SC 29202-1520 Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-800-616-1309 1-800-768-5700 Website: dss.sc.gov/assistance-programs/snap/ Physical address: Outreach Program at Clemson University University Center of Greenville 225 South Pleasantburg Dr. Greenville, SC 29607
South Dakota	Low Income Energy Assistance Low-Income Energy Assistance Program (LIEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through yearly financial assistance and crisis services for those needing immediate utility services. Phone number: 1-800-233-8503 Website: dss.sd.gov/economicassistance/energyassistance/lowincome.aspx Physical address: Office of Energy Assistance 206 W. Missouri Ave. Pierre, SD 57501 Weatherization Assistance The Weatherization Assistance program offers weatherization services to low income households including disabled individuals, families with dependant children, and the elderly. These services aim to reduce future energy costs making it easier for residents to stay warm. Phone number: 1-605-256-6518 1-800-233-8503 Website: dss.sd.gov/economicassistance/energyassistance/lowincome.aspx Physical address: Weatherization Assistance South Dakota Department of Social Services Office of Energy Assistance 910 East Sioux Ave. Pierre, SD 57501 Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-877-999-5612 1-605-773-3493 Website: dss.sd.gov/economicassistance/snap/ Physical address: Social Services Dept. 700 Governors Dr Pierre, SD 57501 Temporary Assistance for Needy Families (TANF) South Dakota Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 1-605-773-4678 Website: dss.sd.gov/economicassistance/tanf/ Physical address: 500 East Capitol, Pierre, SD 57501-5070
Tennessee	Temporary Assistance for Needy Families (TANF) Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 1-615-313-4700 1-866-311-4287 Website: www.tn.gov/humanservices/topic/families-first-tanf Physical address: Commissioner's Office 400 Deaderick Street, 15th Floor Nashville, TN 37243-1403 Food Stamp Program The federally funded Food Stamp Program provides eligible households with food assistance through monthly food benefits. If you're in an eligible low-income household, you could receive these benefits to cover a portion of your food cost. Phone number: 1-866-311-4287 Website: www.tn.gov/foodstamps Physical address: Department of Human Services 400 Deaderick Street, 15th Floor Nashville, TN 37243-1403 Home Energy Assistance (LIHEAP) Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance. Phone number: 1-615-313-3759 1-615-313-3755 Physical address: Department of Human Services 400 Deaderick Street, 15th Floor Nashville, TN 37243-1403
Texas	North Texas Food Bank. The North Texas Food Bank (NTFB) offers education and food products through various non-profit organizations across Texas in order to provide nutritious food for those who need it. Phone number: 1-214-330-1396 Website: ntfb.org Physical address: North Texas Food Bank 3677 Mapleshade Lane Plano, TX, 75075 Texas Medicaid Program. In Texas, the federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship. Phone number: 877-541-7905 Website: https://www.hhs.texas.gov/services/health/medicaid-chip Physical address: Texas Health and Human Services 4601 West Guadalupe Street Austin, TX, 13247 Temporary Assistance for Needy Families (TANF). Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 877-541-7905 Website: https://www.hhs.texas.gov/services/financial/cash/tanf-cash-help Physical address: Texas Health and Human Services 4601 West Guadalupe Street Austin, TX, 13247 Supplemental Nutrition Assistance Program (SNAP). The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 877-541-7905 Website: yourtexasbenefits.hhsc.texas.gov/programs/snap/ Physical address: Texas Health and Human Services 4601 West Guadalupe Street Austin, TX, 13247
Utah	Baby Your Baby Baby Your Baby aims to provide temporary financial assistance to pregnant women to cover a protion of the cost of prenatal care. Phone number: 1-800-826-9662 1-801-538-6003 Website: www.babyyourbaby.org/financial-help/ Physical address: Baby Your Baby Utah Department of Health P.O. Box 141010 Salt Lake City, UT 84114-1010 Home Energy Assistance Target (HEAT) Program The Home Energy Assistance Target (HEAT) program offers financial assistance with landline and energy bills to meet basic needs. Phone number: 1-866-205-4357 Website: jobs.utah.gov/housing/seal/heat.html Physical address: Home Energy Assistance Target (HEAT) Utah Dept. of Workforce Services 1385 South State Street, 4th Floor Salt Lake City, Utah 84115
Vermont	Medicaid Medicaid provides funding for medical and healthcare services for eligible citizens as specified by state restrictions. To qualify, residents must meet a certain level of income, age, and health status. Phone number: 1-800-250-8427 1-800-479-6151 Physical address: MEDICAID Green Mountain Care Board 89 Main Street, Third Floor, City Center Montpelier, Vermont 05620 Reach Up in Vermont (TANF) Reash Up is Vermont's division of Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution. Phone number: 1-800-287-0589 1-800-479-6151 Website: dcf.vermont.gov/benefits/reachup Physical address: Reach Up in Vermont (TANF) Benefits Service Center 103 South Main Street Waterbury, VT 05676-1201 Seasonal Fuel Assistance Vermont's Seasonal Fuel Assistance (Home Heating Assistance) offers financial assistance to eligible households to cover a portion of your home heating needs. Phone number: 1-800-479-6151 1-802-241-1165 Website: dcf.vermont.gov/benefits/fuel-assistance Physical address: Office of Home Heating Fuel Assistance 103 South Main Street Waterbury, VT 05671-1201 3SquaresVT (Food Stamps) The Supplemental Nutrition Assistance Program (SNAP), is known in Vermont as 3SquaresVT, and is formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food. Phone number: 1-800-479-6151 1-800-642-5119 Website: dcf.vermont.gov/benefits/3SquaresVT Physical address: 3SquaresVT DCF/Economic Services Division Application and Document Processing Center 103 South Main Street Waterbury, VT 05671-1500
Virginia	Energy Assistance (EA) The Energy Assistance program of Virginia offers emergency energy services when eligible residents are unable to meet their home heating needs. Phone number: 1-804-726-7000 1-800-552-3431 Website: www.dss.virginia.gov/benefit/ea/ Physical address: Virginia Energy Assistance – Virginia Department of Social Services (VDSS) 801 E. Main Street Richmond, VA 23219-2901 Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and unemployed residents to buy nutritious food. Phone number: 703-324-3000 Website: www.dss.virginia.gov/benefit/snap.cgi Physical address: Supplemental Nutrition Assistance Program Fairfax 12011 Government Center Parkway Fairfax, VA 22035 2-1-1 VIRGINIA 2-1-1 VIRGINIA callcenter can offer connections to resources and programs available for those looking for assistance within your community. Phone number: 211 Website: 211.getcare.com/consite/ Physical address: 2-1-1 VIRGINIA PO Box 598 Roanoke, VA 24004
Washington	Emergency Food Network The Emergency Food Network offers access to more than 70 programs for low income residents seeking emergency food assistance. Phone number: (253) 584-1040 Website: www.efoodnet.org/ Physical address: Emergency Food Network3318 92nd Street South Lakewood, WA 98499 Tri-Cities Food Bank Tri-Cities Food Bank offers individuals in Benton City, Kennewick and Richland emergency food services and refferals to other emergency assistance programs in the area. Phone number: (509) 943-2795 Website: www.tricitiesfoodbank.org/ Physical address: Tri-Cities Food Bank321 Wellsian Way, Richland, WA, 99352 Volunteer Food & Resource Center The Volunteer Food & Resource Center provides low income residents with emergency food and resources within and surrounding the Colville area. Phone number: (509) 684-2971 Physical address: Colville Food Bank210 South Wynne, Colville, WA, 99114 West Seattle Food Bank The West Seattle Food Bank helps individuals and families in need meet their basic needs though access to nutritious food. Phone number: (206) 932-9023 Website: www.westseattlefoodbank.org/ Physical address: West Seattle Food Bank3419 Southwest Morgan Street Seattle, WA 98126 Bellingham Food Bank/Alternatives to Hunger This organization offers assistance to low-income residents of Bellingham through weekly food allowances to meet their basic needs until they are able to become self-sufficient. Phone number: (360) 676-0392 Website: www.bellinghamfoodbank.org Physical address: Bellingham Food Bank1824 Ellis Street Bellingham, WA 98225
Washington DC	Capital Area Food Bank Hunger Lifeline Capital Area Food Bank (CAFB) Hunger Lifeline program aids individuals in need of emergency food assistance through a referral program within their network of partners. Phone number: 1-202-644-9807 1-202-644-9800 Website: www.capitalareafoodbank.org/learn/getting-help Physical address: Capital Area Food Bank 4900 Puerto Rico Avenue, NE Washington, DC 20017 The Utility Discount Programs The Utility Discount Program assists eligible low income residents with the cost of their utilities. Eligible residents must meet the guidelines set out by the U.S. Department of Health and Human Services. Phone number: (202) 576-8000 (202) 727-5355 Website: doee.dc.gov/udp Physical address: The Utility Discount Programs 1207 Taylor St. W. Washington, DC 20011 Low Income Home Energy Program DDOE runs the District's Low Income Home Energy Assistance Program (LIHEAP) which aims to assist low-income, disabled, or elderly residents whose heating has been disconnected or who have received notice of disconnection. Phone number: 1-202-673-6750 1-202-535-2600 Website: ddoe.dc.gov/liheap Physical address: LIHEAP District Dept of the Environment 1200 First Street NE, Washington, DC 20002
West Virginia	West Virginia Supplemental Nutrition Assistance Program (SNAP) The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides monthly funding to low income households and unemployed residents to buy nutritious food. Phone number: 1-800-642-8589 1-304-558-3733 Website: www.benefits.gov/benefits/benefit-details/1591 Physical address: WV SNAP West Virginia Family Nutrition Program 3110 MacCorkle Ave., SE Charleston, WV 25304 West Virginia Bureau for Medical Services West Virginia Bureau for Medical Services is the office of the federally funded program Medicaid, which provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship. Phone number: 1-304-558-7892 Website: www.dhhr.wv.gov/bms/Pages/default.aspx Physical address: WV Bureau for Medical Services Room 251 350 Capitol Street Charleston, WV 25301
Wisconsin	Wisconsin Home Heating Assistance Programs The Wisconsin Home Energy Assistance Program (WHEAP) helps eligible households with the cost of heating their homes. If you are low-income, disabled, or an elderly resident, you could be eligible for utility benefits. Phone number: 1-608-267-3680 1-866-432-8947 Website: homeenergyplus.wi.gov/category.asp?linkcatid=239 Physical address: Home Energy + PO Box 7868 Madison, Wisconsin 53707-7868 Home Weatherization The Home Weatherization program offers weatherization services to eligible low income households and those with limited resources. These services aim to reduce future energy costs making it easier for residents to fund their energy needs. Phone number: 1-414-873-4945 Website: www.weatherizationservices-wi.com Physical address: Weatherization Services 3252 N 81st Street Milwaukee, WI 53222-3812
Wyoming	Wyoming Supplemental Nutrition Assistance Program (SNAP) The Wyoming Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides monthly funding to low income households and unemployed residents to buy nutritious food as well as providing connections to other assistance programs. Phone number: 1-877-290-9401 Website: dfsweb.wyo.gov/economic-assistance/snap Physical address: Supplemental Nutrition Assistance Program (SNAP) 2300 Capitol Ave Third Floor Hathaway Building Cheyenne, WY 82002 Heating Assistance (LIEAP) Low Income Energy Assistance Program (LIEAP) aims to assist eligible low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance paid on your behalf. This program runs from October through February and is dependent on household factors set out by the state. Phone number: 1-307-347-6181 1-800-246-4221 Website: dfsweb.wyo.gov/economic-assistance/lieap Physical address: Heating Assistance (LIEAP) 400 East 1st Street,Ste. 206Casper, WY 82601 Unemployment Insurance Division Unemployment Insurance offers temporary assistance to individuals who unemployed or who have lost their job without fault. If you are unemployed, seeking employment, and meet other requirements set out by your state, you may qualify for temporary benefits. Phone number: 1-307-473-3789 1-307-235-3264 Website: www.benefits.gov/benefits/benefit-details/1831 Physical address: Unemployment Insurance Division 100 W. MidwestP.O. Box 2760Casper, WY 82602

MUST READ:

The Consumer Financial Protection Bureau (CFPB) no longer requires lenders to consider your ability to repay a loan. If you don’t repay a short-term loan on time, you could end up owing several times the amount you borrowed. Carefully review your finances and the loan cost to make sure it fits your budget.

Before you take out a short-term loan

Payday loans, installment loans and auto title loans come with high rates and fees, which can trap you in a cycle of debt. The majority of short-term loan borrowers renew their loan at least once, piling on fees that make it even more difficult to repay.

Consider alternatives before opting for a payday, installment or title loan:

Local resources. Government agencies, nonprofits and local charities often offer free financial services and help with food, utilities and rent for those in need.
Payment extensions. Talk with your bill providers about a longer payment plan or extension on your due date if you're behind on payments.
Credit cards. Credit cards typically charge lower interest rates than short-term loans, even on cash advances, making them a flexible, less costly alternative for up to the $500 you can typically take out with a payday loan.

Why we picked these resources

Each state has a number of nonprofit and government programs dedicated to helping those struggling to make ends meet. We chose these resources based on their mission and dedication to providing financial assistance for food, housing and other everyday expenses.

Many also offer cash assistance that can help you budget for regular expenses while giving you some space to save for emergencies. And finally, many also offer education and advice to help you make better financial decisions — which could put you on the path toward financial freedom.

Payday loan alternatives to avoid

Not every alternative out there is a good solution. These lending methods are considered risky, either due to the collateral required or the high rates, and should be considered a last resort borrowing option.

Vehicle title loans. Sometimes called auto title loans, vehicle title loans require a car (or other motorized vehicle) that you fully own and put up as collateral. If you can’t repay your loan, you risk having your vehicle repossessed — and rates can get very high.
Auto equity loans. Similar to vehicle title loans, auto equity loans allow you to borrow against the value of your car by using it as collateral. The risks are almost identical, too. You could lose your car and face APRs in the triple digits.
Short-term installment loans. Though not as risky as the above options, short-term installment loans can mean paying double or triple your loan amount in interest alone. While you don’t need to avoid them entirely, they’re generally best for when you need an emergency loan and can repay it quickly to avoid excessive interest charges.

Compare alternatives to payday loans for short-term borrowing:

Finder Score	Max. amount per pay period	Turnaround time	Costs
9.4 Excellent Varo Cash Advance	9.4 Excellent	Up to $250 today. Build up to $1,000 over time with direct deposit at Varo. Average loan: $195. Qualifications Apply.	Instant, once qualified	No membership fees, Flat Fees of $1.60 to $100	Important information Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity. If approved, initial limits range from $20- $250. Unlock higher limits up to $1,000 over time when you bring your qualifying direct deposit to Varo and build a positive history with us. Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo +or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.	Go to site View details Compare product selectionCompare	loading
8.4 Great Brigit	8.4 Great	$50 to $500	1 to 3 business days or instant with a Premium subscription or for a fee.	Brigit Plus: $8.99/month; Brigit Premium: $14.99/month	Have up to $500 automatically deposited into your account — for a $8.99 membership fee.	Important information ME: $25-$250 only	Go to site View details Compare product selectionCompare	loading
8.2 Great Cleo	8.2 Great	$20 to $250	3 to 4 days or instant for a fee.	$5.99 monthly membership fee to access cash advances	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to site View details Compare product selectionCompare	loading
9.5 Excellent EarnIn	9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1-2 business days standard, in minutes with a small fee	Free	Access up to $150 per day, with a max of $1000 between paydays. Not available to CT or Washington, D.C. residents. Subject to EarnIn terms & conditions.	Important information EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Chime® MyPay®	9.4 Excellent	Up to $500	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)	No subscription fees; Instant transfer fee: 3% of the advance amount ($2 minimum, $5 maximum)	Access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions. MyPay is only offered in select states.	Important information MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451). MyPay eligibility: Some Restrictions Apply. To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details; see back of card for issuer. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe terms and conditions. Early Pay: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Savings: Chime® Checking Account is required to be eligible for a Savings Account. APY: The 4.00% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 1.00% APY will apply. The APYs are effective as of 10/06/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details. Build credit: On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.	Go to site View details Compare product selectionCompare	loading
8.6 Great Super.com	8.6 Great	Up to $250	3 business days	$3.99 to $6.99 fee for instant transfer	Get up to $250 cash advance with no impact to your credit score or hidden fees.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent OppLoans Installment Loans	9.4 Excellent	$500 to $5,000	As soon as the same business day	129% - 195% APR	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Important information The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 129% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.	Go to site View details Compare product selectionCompare	loading

What is the Finder Score?

The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

Read the full breakdown

Bottom line

When money is tight, the last thing you need is pressure to use your hard-earned cash to pay multiple fees and high interest. Explore your alternatives first before deciding whether to take out a payday loan.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. “Commercial Bank Credit Card Interest Rates,” Federal Reserve Bank of St. Louis (FRED), August 2025

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

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Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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Bethany has written 472 Finder guides across topics including:

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2 Responses

RoyalSeptember 6, 2017

What options for a loan…Income retired expense. Senior City Housing

Finder

AnnaSeptember 6, 2017Finder

Hello Royal Timothy Corbin,

Thanks for your question! If you’re retired, you might want to check out our page on getting a loan while on a pension.

I hope this was helpful!

Cheers,
Anna

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11 Payday Loan Alternatives: Consider These in 2025

11 alternatives to triple digit APR payday loans and free local resources to consider.

Are payday loans really that bad?

11 alternatives to payday loans to consider

Local resources by state

Why we picked these resources

Payday loan alternatives to avoid

Compare alternatives to payday loans for short-term borrowing:

What is the Finder Score?

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