Helping people financially navigate through life for a brighter financial future.

Since 1995, non-profit Credit Counseling of Arkansas (CCOA), Inc. has helped thousands of families nationwide master their personal finances through free budget, credit & housing counseling, free seminars, credit report reviews and a Debt Management Program that can reduce interest rates, stop fees, and stop collection calls. For a brighter financial future, contact CCOA today!

  • Get help with credit card, medical & housing debt
  • Know your options with help from caring financial professionals 
  • Free, no obligation financial consultations
  • Build money skills with our free education resources

Call 1-800-889-4916

Or schedule a call now

Please complete the required fields to continue.

Helping people financially navigate through life for a brighter financial future.

Since 1995, non-profit Credit Counseling of Arkansas (CCOA), Inc. has helped thousands of families nationwide master their personal finances through free budget, credit & housing counseling, free seminars, credit report reviews and a Debt Management Program that can reduce interest rates, stop fees, and stop collection calls. For a brighter financial future, contact CCOA today!

  • Get help with credit card, medical & housing debt
  • Know your options with help from caring financial professionals 
  • Free, no obligation financial consultations
  • Build money skills with our free education resources

Call 1-800-889-4916

Or schedule a call now

Please complete the required fields to continue.
A collage of happy CCOA customers.

How can we help you?

Reduce Debt
Build a financial solution that fits your needs with help from a caring financial professional.
Improve Credit
Get advice from our certified counselors on ways to improve your credit.
Build Skills
Access free financial education resources to help guide your financial planning.
Reach Housing Goals
Our HUD-certified housing counseling agency can counsel you on first-time home buying, mortgage delinquency and reverse mortgages.

What our clients have to say.

Behind on your mortgage?

The Arkansas Homeowner Assistance Fund (HAF) is now accepting applications for both Mortgage Reinstatement, which provides funds to eliminate or reduce past due payments and other delinquent amounts, and Utility/Internet/Broadband Payment Assistance, which provides funds to resolve delinquent payments for utility and/or internet access services, to low- to moderate-income homeowners impacted by COVID-19.

Mortgage needs to be 60 days (which is 3 payments) past due to qualify. The Application Portal is officially open and accepting applications for assistance.

Financial Skills Center

Life can be stressful. We know you face important financial decisions every day and we are here to help! CCOA’s Financial Skills Center is built to deliver critical knowledge to help you develop better money skills and make smarter financial decisions.
  • Prepare for Retirement
  • Owning a Home
  • Small Business Essentials
  • And much more!

Sponsored by Arvest

Client Results

Clients who report better control of finances 90%
Clients using info from classes in financial practices 94%
Say they are closer to becoming debt free 96%

We want to be your financial friend on the journey ahead.