If you need help with financial services such as filing your taxes, improving your credit score or writing a small business plan, there are reputable organizations which can assist you for little or no cost.
Volunteer Income Tax Assistance (VITA): Low and modest-income Rhode Islanders may qualify for free help filing their taxes and applying for tax credits like the Earned Income Tax Credit. Click here for a complete list of VITA sites in Rhode Island. Those listed as “AARP Tax Aide” give seniors priority. Please be aware that certified volunteers can only prepare certain returns for which they are trained and certified. Appointments are highly recommended. You must also bring picture identification for both the applicant and spouse and social security cards for everyone listed on the return.
Capital Good Fund: A nonprofit, certified Community Development Financial Institution that offers small loans, one-on-one Financial Coaching and free tax preparation; 719 Front Street, Suite 109, Woonsocket, RI 02895; (866) 584-3651 x300
Community Care Alliance VITA: CCA finance staff assists taxpayers with free tax counseling and tax return preparation. IRS-certified volunteers help individuals prepare both Federal and State tax returns and E-file the return for faster refunds; 55 Main Street, Woonsocket, RI 02895; (401) 235-6081
Connecting for Children & Families (CCF) VITA: IRS-certified volunteers help individuals prepare both Federal and State tax returns and E-file the return for faster refunds; By Appointment Only during the following hours Monday-Friday 9:30AM-2:30PM, Fridays 5PM-8PM, and Saturdays (varies); 46 Hope Street, Woonsocket, RI 02895; (401) 766-3384
MyFreeTaxes.com: Taxpayers earning less than $60,000/year can self-prepare their tax returns by using this IRS sponsored website.
Budget, Credit and Home Ownership Counseling, Tenant Education
Community Care Alliance, More for Your Money: More for Your Money is a four week workshop series that assists individuals and families increase their income, build savings and gain and sustain assets through financial education, training and individualized coaching and support; 55 Main St. Woonsocket, RI 02895; (401) 235-6081
NeighborWorks Blackstone River Valley: HUD-approved financial education, coaching, home ownership guidance, tenant education; 719 Front St, Suite 101, Woonsocket RI 02895; (401)762-0993
NWBRV is one of many partners currently advocating for payday loan reform in RI. Payday loan companies offer cash fast but they use predatory practices. Companies such as Advance America charge up to 260% APR and their business model relies on consumers rolling their short-term loans over month after month so they may remain in debt long-term. If you are in need of cash, fast we recommend contacting the Capital Good Fund, a local nonprofit providing an alternative.
Capital Good Fund: A nonprofit, certified Community Development Financial Institution that offers small loans, one-on-one financial coaching and free tax preparation; To apply for a loan from Capital Good Fund click here; 719 Front Street, Suite 109, Woonsocket, RI 02895; (866) 584-3651 x300
Starting a Business:
Center for Women & Enterprise: CWE provides women entrepreneurs with education, training, technical assistance and a women’s business enterprise certification; 132 George M. Cohan Blvd., 2nd Floor, Providence, RI 02903; (401) 277-0800
The US Small Business Administration: The SBA is a government agency which can help entrepreneurs through counseling and training; 380 Westminster Street Room 511, Providence, RI 02903; (401) 528-4561
Small Business Development Center: A partnership with the SBA and University of Rhode Island, they provide coaching and training based on business needs; University of RI75 Lower College Road, Suite 1 Kingston, RI 02881; 401-874-SBDC (7232)