If you need help with your light bill, you can get help from state utility commissions, low-income home-energy assistance programs, social service agencies, family members, private charities or lenders. There are organizations that give people in need money for their light bills every month, and there are other organizations that help with emergency assistance as needed.
Two private organizations that help people with light bills are Catholic Charities and the Salvation Army. These programs are administered through local chapters, meaning that people need to contact their local office for help. When applying for assistance, applicants may be required to show proof of their income as well as a copy of their light bill. Many people also get help from their churches.
If you cannot find charity assistance for a light bill, you can borrow money to pay it. If you have a poor credit score, you may still be able to get a cash loan from a payday lender. These lenders give emergency loans based on an applicant's income, without doing a credit check. However, the fees for these loans are extremely high, and individuals may want to explore borrowing money from a family member or a credit card before turning to one of these lenders.