“It’s a wonderful time, a great evangelistic opportunity for us,” said the Rev. A. R. Bernard, founder and senior pastor of the Christian Cultural Center in Brooklyn, New York’s largest evangelical congregation, where regulars are arriving earlier to get a seat. “When people are shaken to the core, it can open doors.”

Nationwide, congregations large and small are presenting programs of practical advice for people in fiscal straits — from a homegrown series on “Financial Peace” at a Midtown Manhattan church called the Journey, to the “Good Sense” program developed at the 20,000-member Willow Creek Community Church in South Barrington, Ill., and now offered at churches all over the country.

Many ministers have for the moment jettisoned standard sermons on marriage and the Beatitudes to preach instead about the theological meaning of the downturn. ...