What Do You Need Money For?


Mortgage and rental assistance, rentals and home repair programs.

Credit Card

More affordable credit cards.


Loans and grants to help you with past due medical bills.


Affordable loans and grants for car purchase or repair, and free or affordable public transportation resources.


Loans and grants to help with past due utility bills.


Affordable, fresh food options.

Small Business

Affordable loans from reputable lenders to help you start or grow your small business.


Affordable loans and grants for school expenses (tuition, books, et cetera).


Affordable loans for other needs.

Let's get smart about money
and find affordable alternatives

Money Tips
About Us

Site designed and managed by Housing & Economic Rights Advocates (HERA).

Our mission is to help all low and moderate income Californians build a safe financial future.

HERA is a California statewide, not-for-profit legal service and advocacy organization dedicated to helping Californians — particularly those most vulnerable — build a safe, sound financial future, free of discrimination and economic abuses, in all aspects of household financial concerns. We provide free legal services, consumer workshops, training for professionals and community organizing support, create innovative solutions and engage in policy work locally, statewide and nationally.

What we believe

We Believe

We believe all residents of the State of California should be protected against discrimination in credit and housing.

We Believe

We believe all residents should be able to build a safe financial future.

We Believe

We believe in safe, happy people, diverse communities, strong schools, enough money for a good life, equal access for everyone, a healthy environment, affordable credit, thriving small business, clear information, inexpensive/high-quality housing, smart growth, asset building and asset preservation.

Finding Affordable Alternatives

Don't fall for pay day loans or other financial schemes that can easily lead to big trouble down the road.

We can help lead you to reputable providers of loans or grants or other resources for whatever reason you might need money.

Our Money Tips and Money Happy Blog can help you gain control of your finances.

How to Manage When Short on Cash

We all fall short on cash on a regular basis. So what can we do when we are short on cash?

I Need A Safety Net! What Do I Do?

Think savings and credit cards. Tools and advice to help you.

Getting Out of Debt Trouble

Every different type of debt has its own rules and options for how to make handling the debt easier. In other words — it can be complicated. We can help!

Credit Unions 101

Credit Unions often offer better customer service than banks because when you're a member you're not only a customer but a shareowner.

Building Credit

Establishing credit is incredibly important for your financial life. Money Happy! has tips on how to build your credit.
You Have Alternatives!