Astoria, NY

Credit Repair & Financial Services in Astoria

Review 6 credit repair companies, personal lenders, and financial services in Astoria, New York. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Banks (2) Check Cashing & Money Services (2) Debt Relief (1) Pawn Shops (1)

New York avg credit score: 710 Median income: $75,910 Poverty rate: 12.7% Payday loans: Banned New York overview →

Featured Provider Profiles in Astoria

6 companies

ECG Debt Settlement and Credit Repair

NYC-based debt settlement and credit repair firm operating since 2001, offering in-person consultations and settlement programs for consumers facing severe debt.

4.9/5

Google rating from 126 reviews

BBB: NR

Profile signals: Consumers facing severe debt ($10K+) with collection accounts and potential bankruptcy risk who prefer in-person guidance, New York residents seeking local, face-to-face debt settlement consultations rather than remote phone-based services

Alma Bank

ALMA Bank is an FDIC-insured community bank offering personal and business banking services with emphasis on personalized service and relationship-based banking.

BBB: NR

Profile signals: Customers seeking personalized relationship banking with dedicated professional advisors, Small business owners requiring business banking with private banking-style service

David's Check Cashing

David's Check Cashing Astoria, New York — David's Check Cashing operates 26 locations across NYC offering check cashing, direct deposits, bill pay, mone...

BBB: NR

Profile signals: Unbanked and underbanked NYC residents without access to traditional bank accounts, Customers in Bronx, Manhattan, Brooklyn, and Queens needing immediate check cashing services

GEM Pawnbrokers

GEM Pawnbrokers Astoria, New York — GEM Pawnbrokers is a 73-year-old family-owned pawn shop chain with 28 locations across NYC and Greater New York, spe...

BBB: NR

Profile signals: Consumers with valuable luxury items, electronics, or jewelry who are researching short-term cash access with eligibility claims to verify, NYC and Greater New York residents within proximity to one of 28 store locations

PAYOMATIC

PAYOMATIC Astoria, New York — PAYOMATIC is New York's largest check-cashing and financial services network with nearly 140 locations offering check cash...

BBB: NR

Profile signals: Small business owners needing fast, same-day cash for checks and operational expenses, NYC residents without traditional bank accounts seeking immediate check-to-cash conversion

Quontic Bank

Quontic is a CDCI-certified digital bank offering online checking, savings, mortgages, and home equity loans with a focus on non-traditional borrowers including self-employed individuals and immigrants.

BBB: NR

Profile signals: Self-employed individuals and small business owners seeking mortgage approval without traditional W-2 income documentation, Non-US citizens with ITIN numbers who cannot obtain mortgages through conventional lenders

Banks in Astoria

Alma Bank

ALMA Bank is an FDIC-insured community bank offering personal and business banking services with emphasis on personalized service and relationship-based banking.

BBB: NR

Profile signals: Customers seeking personalized relationship banking with dedicated professional advisors, Small business owners requiring business banking with private banking-style service

Quontic Bank

Quontic is a CDCI-certified digital bank offering online checking, savings, mortgages, and home equity loans with a focus on non-traditional borrowers including self-employed individuals and immigrants.

BBB: NR

Profile signals: Self-employed individuals and small business owners seeking mortgage approval without traditional W-2 income documentation, Non-US citizens with ITIN numbers who cannot obtain mortgages through conventional lenders

Check Cashing & Money Services in Astoria

David's Check Cashing

David's Check Cashing Astoria, New York — David's Check Cashing operates 26 locations across NYC offering check cashing, direct deposits, bill pay, mone...

BBB: NR

Profile signals: Unbanked and underbanked NYC residents without access to traditional bank accounts, Customers in Bronx, Manhattan, Brooklyn, and Queens needing immediate check cashing services

PAYOMATIC

PAYOMATIC Astoria, New York — PAYOMATIC is New York's largest check-cashing and financial services network with nearly 140 locations offering check cash...

BBB: NR

Profile signals: Small business owners needing fast, same-day cash for checks and operational expenses, NYC residents without traditional bank accounts seeking immediate check-to-cash conversion

Debt Relief in Astoria

ECG Debt Settlement and Credit Repair

NYC-based debt settlement and credit repair firm operating since 2001, offering in-person consultations and settlement programs for consumers facing severe debt.

4.9/5

Google rating from 126 reviews

BBB: NR

Profile signals: Consumers facing severe debt ($10K+) with collection accounts and potential bankruptcy risk who prefer in-person guidance, New York residents seeking local, face-to-face debt settlement consultations rather than remote phone-based services

Pawn Shops in Astoria

GEM Pawnbrokers

GEM Pawnbrokers Astoria, New York — GEM Pawnbrokers is a 73-year-old family-owned pawn shop chain with 28 locations across NYC and Greater New York, spe...

BBB: NR

Profile signals: Consumers with valuable luxury items, electronics, or jewelry who are researching short-term cash access with eligibility claims to verify, NYC and Greater New York residents within proximity to one of 28 store locations

Your Rights in New York

New York Consumer Protections: New York bans payday lending through its 16% civil usury and 25% criminal usury caps. The Department of Financial Services aggressively pursues illegal online payday lenders. Consumers have strong protections under state law and can file complaints with DFS or the Attorney General.

Interest Rate Cap: New York usury cap: 16% civil usury; 25% criminal usury; payday lending banned. Payday lending is banned in this state.

Key Regulations:

Payday lending is banned; civil usury cap of 16% and criminal usury cap of 25% make it illegal.
The Department of Financial Services actively enforces against online payday lenders targeting NY residents.
Licensed lenders under the Banking Law may charge rates agreed upon for certain loan types.
The NY Consumer Protection Act and General Business Law Article 22-A protect consumers.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with New York Attorney General Consumer Frauds Bureau.

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Use these guides with local pages, state rules, and provider profiles before contacting a company.

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