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Need Money? Try Modest Needs!

Need Money? Try Modest Needs!

If you’re facing a financial emergency or an expense you can’t afford, Modest Needs may be able to help.

What is Modest Needs?

Modest Needs has been helping people with short-term financial assistance since 2002. This organization focuses on people who are experiencing a temporary financial crisis.

This organization operates somewhat like GoFundMe. They match people in need with donors who want to help.

However, ModestNeeds is different. They support people who generally don’t qualify for assistance from other agencies and they never distribute the cash directly to the person asking for help. The payments will always be made directly to an organization or vendor, such as a landlord or utility company.

Who can get help from Modest Needs?

Modest Needs serves people who are working and live just above the poverty line, so they don’t qualify for assistance elsewhere.

In order to qualify for assistance, you MUST meet both of these crtieria:

  • At least one adult member of the household must be employed at the time of the application. Documentation of employment is required.
  • The primary source of income for each applicant’s household must be either earned from employment, child support payments, Veteran’s Benefits or retirement income (including Social Security retirement).

According to their website, they give special consideration to:

  • Single persons with no dependent children
  • Veterans who are transitioning from the military to civilian life
  • Teachers
  • First Responders

Please be aware that documentation is required for these grants. You will need to provide documents that prove your identity, income, employment, and the expenses you need help with.

What can these grants help with?

There are many reasons that you may need help from Modest Needs. They can assist you with rent payments, unexpected medical/dental bills, car repairs and other financial emergencies.

However, they cannot help you with any of the following expenses:

  • They cannot pay your taxes, including property tax payments.
  • They cannot pay past-due child support payments.
  • They cannot pay fines or legal fees.
  • They cannot assist with bankruptcies.
  • They cannot assist with credit card payments.
  • They cannot assist with luxury goods or services (such as a vacation or video game console).

They also cannot assist you with any needs that would require them to send money or gift cards directly to you. For example, they cannot assist with the cost of groceries, gas, overdraft fees, or payday loans. They cannot assist with utility deposits (because those funds are returned to you at the end of your tenancy) and they cannot pay your rent if you are renting from a family member.

If you need help with groceries, it would be better to ask for help with rent or another large bill. They can alleviate that cost, which will enable you to use your own funds for groceries.

How does it work?

Donors provide funds to Modest Needs, which uses the money to award these grants. Many donors prefer to give to Modest Needs instead of an unrestricted site like GoFundMe, because they know that those needs have been documented and proven.

What documentation does Modest Needs require?

You will have to answer a lot of questions and submit some documentation as part of your application process. The organization suggests that the application takes around 30-45 minutes to complete. You will need either your most recent tax return or the most recent bank statement for all the adults in your household.

Save Money & Get Free Stuff!

Nicole leads the Low Income Relief team with over 20 years of professional research and writing experience. Nicole started Low Income Relief after a personal experience with poverty. When her husband was medically discharged from the US Army, their family experienced tremendous financial hardship. Nicole was able to gather help from multiple community agencies and move into a nearby low income housing unit in just two weeks! Since then, Nicole has been dedicated to helping low income families in crisis. She regularly spends hundreds of hours combing through countless resources to make sure that Low Income Relief has the most comprehensive and complete resource directories on the internet today. Prior to starting Low Income Relief, Nicole worked as a novelist, journalist, ghostwriter and content creator. Her work has been featured in various print and online publications, including USA Today, eHow, Livestrong, Legal Beagle, The Daily Herald, The Chronicle and more.

Yoanis Fernanadez

Tuesday 15th of November 2022

I need to know how to apply for help through Modest Needs, Please if anyone can send me the link, I will greatly appreciate it

Catherine Marucci

Tuesday 15th of November 2022

Hi Yoanis. Here is the info on their site to get you started:

Debbie Lewis

Sunday 2nd of October 2022

I would love to know if I can get modest needs. I live in Portland Oregon and am 51, my husband is a veteran and we are both living on my fixed income of SSI and SSDI and it only amounts to $801 a month. I really need a lot of help, can you help me.

Catherine Marucci

Sunday 2nd of October 2022

Hi Debbie. You can try applying on the Modest Needs website and see what they say. There are also other resources that may be worth looking into:

Alicia Gaudin

Sunday 19th of June 2022

I am a substitute teacher with the board of education. I fell behind on my rent and am short 5000 dollars. Need help because I applied for summer teaching but have not heard from them yet. Substitutes are not hired by schools. We are paid per-diem.


Monday 20th of June 2022

Low Income Relief is an information service and does not provide cash or items directly. You will need to search our website for information about organizations that can help you meet those needs. Chat with Lira, she might be able to help!


Sunday 15th of May 2022

Thank You! For all that you do.


Saturday 21st of May 2022

Thanks for letting us know! I’m glad we were able to help.

Regina Gregory

Friday 22nd of April 2022

I used to be the one that would try to help seems like a million year's ago, my husband passed then I lost everything else to my house burning and I am disabled I thought I had things covered but been robed was in hospital and my van was destroyed mom and dad died both in June and the trailer and the land of Grand parents . Where I had atrailor that was just about turned in to a house I was suppose to get back if if my Mom passed but she didn't do what she said, now I'm basically home less because even moter home that I thought was ok had been destroyed they took everything and now the roof walls are totem but when my van was destroyed well I need 2000 to 5000 to get decent transportation be cause I'm camp out ( homeless ) on the old home place, and beening abused I'm on a fixed income but I'm robbed and abused,. I want to get away start anew but I can't get a no loan with credit I runt trying to get my husband well, he was out of network On insurance, so I really need a car , I'm stranded can't get to doctor or supplies, and I'm sick, I just keep praying, I know Jesus will come through, I'm a child of God belong ing to Jesus Christ Thanks for your time and I hope you can help me with Getting a car,


Tuesday 26th of April 2022

Low Income Relief is an information service and does not provide cash or items directly. You will need to search our website for information about organizations that can help you meet those needs. Chat with Lira, she might be able to help!