12 Effective Prayers for Financial Breakthrough

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Are you looking for powerful prayers for financial breakthrough for your money challenges? You’ve come to the right place. Regardless of the cause of your financial situation, you can uses these prayers to come before God in your time of need.

Powerful prayers for financial breakthrough when you really need a miracle

Money stress can wreak havoc on your peace of mind as well as steal your joy. Money conflicts have also been the source of destroyed marriages and ruined relationships.

Financial problems can you you up at night, while your mind is churning and processing how you are ever going to get out of the mess. Maybe you have creditors calling you at all hours of the day, or you may even be on the verge of losing everything, marriage and house included. 

I have hope for you friend. I hear you and I see you, and you are not here by chance. You are not alone in your journey. Best of all, God hears you and He sees you too. 

How do I pray for immediate financial help?

Let me start off by saying that there is nothing to difficult for God. Your financial struggles are not a surprise to Him nor is He oblivious to what you are facing.

He is a good God and desires to help bring you out to the other side. That said, there may be things He wants to teach you through this experience.

Thank God that He never leaves us as we are, that is a good thing!

Did you know that you can come before God completely honest about your financial troubles? He wants to hear from you. When you pray, don’t hold anything back.

Let your prayer request be made known to Him. You are a child of God, you can trust Him with whatever you are going through. Come to Him in prayer with strong faith and trust that He will listen.

Bible Verses for financial breakthrough

God’s Word has much to say about money along with promises for us, His children. When it comes to your financial well being, here are a few Bible verses that you can meditate on pray His will over your situation. 

  • Seek the Kingdom of God above all else, and live righteously, and He will give you everything you need. Matthew 6:33 (NLT)
  • Bring all the tithes into the storehouse so there will be enough food in my Temple. If you do, says the Lord of Heaven’s Armies, “I will open the windows of heaven for you, I will pour out a blessing so great that you won’t have enough room to take it in.Try it! Put Me to the test!” Malachi 3:10 (NLT)
  • But the one who plants generously will get a generous crop. Luke 6:38 (NLT)
  • We work wearily with our own hands to earn our living. 1 Corinthians 4: 12 (NLT)
  • Don’t love money, be satisfied with what you have. For God has said, “I will never fail you. I will never abandon you.” Hebrews 13: (NLT)
  • The Lord is my Shepherd, I have all that I need. Psalm 23:1 (NLT)

These verses help us understand God’s will for money and financial security. I encourage you to pray them, meditate on them, and write them on index cards or sticky notes and place throughout your home. 

Powerful prayers for financial breakthrough

1. Prayer for employment and steady work

Are you facing a job loss or unemployment? Are your work opportunities off and on with no real consistency?

It seems that since the pandemic, employment and job loss has been all over the place, impacting many areas of industry. Here is a payer to ask God for a new job, steady work and gainful employment.

Dear Lord, I thank you for the ability to work and contribute to the financial wellness of my family. I pray God that you would bless me with consistent work so that my household needs can be met and that I can get ahead financially. I commit my skills and talents to you to use as you desire, please bless the work of my hands. I pray for leads and contacts that can move me into the position you have for me. I pray for trust and patience as you open doors of opportunity and to lead me to good work. Amen!

Upset women at a table needing prayers for financial breakthrough

2. Prayer for financial stewardship

Often, the difficult times we face with our finances can be directly related to our spending and mismanagement of money. We have all faced that, each to a certain degree.

But here’s the thing, you can learn how to steward your money at any age, young or old. The import thing is to recognize that all of our resources belong to God, it’s ALL His.

Our heavenly Father has given us good gifts to manage and care for. Pray this prayer to become a better steward of your money.

No matter how you have managed your money in the past, this is a new day and you can start fresh. 

Dear God, I pray that you will help me become a good steward of the resources you have given me and my family. I am sorry for being careless and reckless with the blessings you have given me. Help me to protect what has been given to me and use good judgement in my spending and giving going forward. In Your name, Amen!

3. Prayer for wisdom on how to handle money

Much like stewardship, handling your money is a character trait that is learned over time.

Knowing where to put your money and the decisions that come along with managing your finances often comes after going through financial hardships. Pray this prayer for God to give you financial wisdom on how to handle your money. 

God I pray that you would give me the knowledge to make wise financial decisions with my money. God, your heavenly wealth is different than worldly wealth that is here today and gone tomorrow. Help me to be disciplined with these resources and prioritize how I spend.

4. Prayer for getting out of debt

Excessive financial debt through credit cards, car payments, and loans can cause extreme financial stress. According to Dave Ramsey, 77% of households in America have some type of debt.

That is a harsh reality. But the good news is, you can get out of debt.

Trust me, I know a thing or two about this. If you are struggling with debt and want to be free from the chains of debt here is a prayer for financial freedom.

Dear heavenly Father, I pray that you would help me find my way out of the debt I am in. I pray that you would give me the strength to meet this head on and the courage to pay it off in it’s entirety. Please help me manage my money so that I have what I need to not only make ends meet but a surplus to throw at the debt. Please help me find creative ways to boost my income while making sacrifices on pleasurable things until I have paid off all debt balances. In Jesus’ name I pray, amen!

If you are looking for a plan to help you get out of debt and live a life with financial stability, I highly recommend the Dave Ramsey Financial Peace University program.

My husband and I went through FPU and continue to follow these biblically based principles of money management.  

woman putting money into a piggy bank

5. Prayer for God’s provision in time of need

The Word of God is clear in Matthew 6:25-34 that we are not to worry about what we will eat or drink or even wear.

Scripture tells us that if God cares for the birds of the air and the lilies of the field, how much more will He take care of us.

God of abundance, you are more than enough for me. Your Word says that You will supply all of my needs according to Your riches (Philippians 4:19), so I pray that you will provide for me now in my time of need. I trust Your Word and You are faithfully able to accomplish it, even now. Thank you for Your provision in my life and in my home. I pray for financial blessings so that I may have enough money for my needs to be met. In the Name of Jesus, amen!

6. Prayer for contentment during financial difficulties

Contentment can be very hard when money is tight and the bills keep coming in. You may think to yourself, “I’ll never get my house updated or take a vacation again”, or “this car is so old, it should have been gone a long time ago”.

If you have had any of those thoughts, you are not alone! I have too. But I can speak from experience that what changed my perspective during our time of financial hardship was gratitude and contentment with what we had.

Shift you thought process with this prayer for contentment:

Christ Jesus, you gave your all for me. Help me to be content in that and with what I have. I pray for gratitude and contentment in every area of my life so I can please you. Holy Spirit, I pray that you would remind me to be grateful instead of complain over what I don’t have or wish I had. Amen.

7. Prayer over envy and jealousy of what others may have

During times of financial hardship, it is easy to find yourself looking at what other people have that you don’t. Before you know it, you may quickly find yourself stuck in the comparison trap so it’s important to guard your heart and mind against envy or jealousy.

If you find that you are struggling with feelings of envy toward someone while you are experiencing financial problems, pray this prayer:

Lord, forgive me for my jealous thoughts toward others who seem to have more than me right now. Help me to not be envious of them but rather rejoice with those who rejoice and mourn with those who mourn as Your Word calls me to do. I pray for the right attitude when my friend shares their financial success with me. Amen. 

8. Prayer for joy while I am waiting for a miracle

The Bible tells us that the “joy of the Lord is our strength”. When faced with money challenges, it’s easy to lose joy. Despite how hopeless things may seem, you can still have the joy that only the Lord can provide.

Pray this prayer if you need the joy of the Lord:

Dear Lord, I am struggling with hopelessness and despair. Please fill me with your Joy in abundance and help me fix my attention on You. Regardless of what my bank account may look like I will choose joy. In Your name I pray, Amen!

9. Prayer for favor with Your business 

Do you have a business that you are trying to get up and running and off the ground? God has placed dreams, desires and talents in each of us and He wants to use those things to bring Him glory and make His kingdom known here on earth.

But, sometimes they cost money and He knows that! Pray this prayer for favor when you are needing a financial breakthrough in your business:

Two women talking and looking at a computer screen

God, I pray for divine intervention in my business. I pray for Your favor as I try to build my business on a godly foundation. Lord, with all of the costs and fees associated with running a business, it can be overwhelming. Please provide a way for me to market and represent my company to those who can use my services. Thank you for drawing in customers and providing me with wisdom to make the most cost effective decisions in growing my business. 

10. Prayer for creativity and frugality during tough times

When we’re trying to stretch a dollar being frugal can certainly help with making ends meet. But for some people frugality does not come naturally.

Now, I’m not saying that you have to wash your plastic sandwich bags in the dishwasher (I really do know someone who is this frugal, and I love her for it), but getting creative with your money can help when times are tough.

Pray this prayer if you need help with creativity and frugality so your money can go a lot further when money is really tight.

God, I pray for financial abundance in my finances during this time. But, while I am waiting please help me to use my resources creatively. I am not naturally frugal so I ask you to help me think out of the box so my money can outlast the month I am in. Guide me to people who are good in this area so I can learn from them. In Your name, Amen!

11. Prayer of thanksgiving for blessings

Sometimes when faced with financial challenges, the best thing to do is pray a prayer of thanksgiving and blessings to God. Pray this prayer with a heart of gratitude:

Lord Jesus, this is the day that you have made and I will rejoice and be glad in it. Thank You for all of my blessings, seen and unseen. Thank You for saving me and rescuing me from a life apart from You. Thank You for my salvation and sealing my eternity. Although my heart is overwhelmed with the temporary hardship I may be facing, I will choose to praise You with a spirit of thanksgiving for all that You have provided to me. Amen!

12. Prayer for godly financial counsel 

Godly counsel is often necessary when we are struggling in our financial life. Having someone who can serve as an accountability partner for you can also help keep you on track with your money.

Pray this prayer when you need someone to speak into your life regarding your money situation:

Heavenly Father, I can sure use wise, godly counsel from someone that can be trusted. It seems everything on the news lately speaks of how bad the economy is. But, I have hope in You. I ask for You to bring someone into my life that can give wise, sound advice when it comes to the difficulties I am having with money. Please help me to be selective in who I listen to but open to receive recommendations for the best money management. Amen. 

​I hope that these powerful miracle prayers will help guide you as you lift up your financial burdens to the Lord. You don’t have to go it alone. Your Father sees you and will provide for you, friend!

Effective prayers for a financial miracle

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