Your Financial Health. Our Mission.

All Are Welcome for Free &
Confidential Financial Counseling

Ariva exists to help people in The Bronx and New York City build more prosperous lives, supporting their first steps toward long-term wealth building. We offer free financial counseling programs at many locations throughout the Bronx and across New York City, and serve more than 3,000 families each year. Year-round, we offer NYC residents one-on-one confidential advice about how to manage money and build wealth, from establishing credit to reducing debt and creating savings. Our programs can accommodate your schedule and can be customized to meet your goals and needs.

Financial counseling is free and confidential, regardless of income or immigration status. You must be at least 18 years old to receive financial counseling services.

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Supporting You as You
Reach Your Financial Goals

We personalize our financial counseling programs for you. We work to understand your challenges and goals. Our financial counselors help you customize a specific plan for you and your needs.

We can help you:

  • Open an affordable bank account
  • Reduce and manage debt
  • Establish and improve your credit score
  • Obtain an Individual Taxpayer Identification Number (ITIN) and file taxes
  • Learn to budget and manage money
  • Increase your savings and build assets
  • Prepare to buy a home or rent an affordable apartment
  • Achieve your financial goals!

Did you know that people who receive more than three financial counseling sessions have made significant progress in their financial goals? Here’s what your first two sessions might look like:

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We’ll assess your financial health, pull your credit report, and develop a plan to reach your personal goals.

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We’ll assess your progress and support you in setting and reaching any new goals.

“It shouldn't matter what your native language, zip code, or country of origin is. What matters is that everyone should have access to the same opportunities in life, wherever they come from.” – Adelaida Morin, Director of Programs at Ariva

Learn About Our Financial
Counseling Programs

La Ventanilla at The Mexican Consulate
La Ventanilla at the Mexican Consulate serves the NYC Mexican immigrant community. Clients learn how to establish credit, reduce debt and create family budgets.

Ready to Rent
Open to anyone in New York City, Ready to Rent supports New Yorkers interested in applying for affordable housing through the NYC Housing Lottery. Clients learn how to calculate their income according to affordable housing regulations and more.

The Small Business Program
Through workshops and one-on-one consultations, we will provide small business, start-up, and development advice and business education to small business owners in the Bronx.

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Offer Free Financial Literacy
to Your Community
Partner with Us!

We are always looking for community partners to host one of our financial counselors and other financial literacy programs like Ready to Rent. You can become a partner with us in three ways:

  1. Refer clients directly to us by calling 718-690-9873
  2. Offer a Free Financial Counseling Day in your offices if you are in the Bronx.
  3. Host a permanent financial counseling site with services at least once a week.

Financial Counseling
Frequently Asked Questions

Who Can Receive Financial Counseling?

Everyone over 18 is eligible for confidential consultations regardless of income or immigration status! We offer free, high-quality professional financial empowerment services in New York City and the Bronx. Our financial advisors specialize in working with people who are looking to improve their credit or build a credit score, micro-entrepreneurs, people looking for affordable housing, and people from immigrant communities who are unfamiliar with the US financial system.

Who Are Your Financial Counselors?

Our team of expert, certified financial counselors, has years of professional finance experience. Learn more about our team here.

Where Can You Find Our Financial Counselors?

We offer financial advice from our community partners in the Bronx, Manhattan, Queens, and Brooklyn. Check out our locations for the closest locations to you here, or become one of our strategic partners.

Schedule Your Financial Counseling Session

Our team of expert financial counselors has years of professional finance experience.