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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.

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Have too much month at the end of your money? Me too - and that's how Low Income Relief got started. I have over 20 years of professional research and writing experience. Over the years, I've worked as a novelist, journalist, ghostwriter and content creator. My work has been featured in various print and online publications, including USA Today,,, Legal Beagle, The Daily Herald (Provo, Utah), The Chronicle (Centralia, WA) and others. At Low Income Relief, I use my professional research and reporting experience to help low income families save money and make ends meet. It's been my full-time job since 2016, and it's truly an honor to serve you.


Wednesday 29th of December 2021

Hi. Are you still operating? I see last comment in 2020. Thanks.

Penny Pitt

Monday 6th of December 2021

I need to find some way to pay for a complete set of dentures, it's beginners a health issue, plus my car is needing repairs for me to have transportation. I only get 794.00 a month and I'm barely getting by on that. I need dentures badly, money I don't have and car repairs that money I don't have either. Please can some were out there contact me... My name is Penny Pitt Please help me Penny Pitt Again I need some help And may God bless this and who ever can help or advise me how to get help. Thank you again and may God bless everyone involved.


Tuesday 7th of December 2021

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!

Debra Teeter

Tuesday 4th of May 2021

want too apply for a grant

Elcie Pacuis

Wednesday 16th of June 2021

Hello I been helping kids in Haiti I'm out of money now because of the covid please I really need help to pay for the kids school and fresh water Medical care

Holly Andrew

Friday 5th of March 2021

I am a 47 year old female. I am in pain every day of my life, from morning until night. I have some tooth problems did have disabled me in my eating ability, speaking ability, and most importantly of all, the ability for me to get gainful employment. I need to see a dentist! I need to see a dentist that can provide me with gas, as well as Novocaine. Please help me anyway you can, or please direct me to a place that can help me. In Washington state, I found out that they only do the novocaine and yank procedure. I cannot do that! I need nitrous oxide as well as Novocaine. Thank you very much for your time have a beautiful day. Hope to hear from you soon! Holly Andrew

Hannah Benge

Tuesday 9th of March 2021

We are so sorry! This is all the resources we have for dental care. You can also research which places may use nitrous oxide in your area. I hope this helps! -Hannah


Tuesday 15th of December 2020

How do I sign up for help ? Thank you


Friday 19th of March 2021

I am a college student with so much student debt. I could really use a miracle to help pay off those loans. How do I sign up to get help?

Hannah Benge

Friday 18th of December 2020

This is the link to apply. Its a hyperlink in the article. We hope this helps. -Hannah