Atlanta, GA

Credit Repair & Financial Services in Atlanta

Review 142 credit repair companies, personal lenders, and financial services in Atlanta, Georgia. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Georgia avg credit score: 691 Median income: $71,355 Poverty rate: 12.1% Payday loans: Banned Georgia overview →

Featured Provider Profiles in Atlanta

142 companies
Allied Credit Group Inc logo

Allied Credit Group Inc

Atlanta-based credit repair and business credit building firm offering credit-score context to review, dispute services, and business credit establishment programs.

5.0/5

Google rating from 5 reviews

BBB: NR

Profile signals: Entrepreneurs and small business owners seeking to establish separate business credit independent of personal credit history, Consumers with damaged personal credit seeking rapid dispute-based repair with professional guidance

Associated Credit Union - Warner Bros. Discovery Employees Only logo

Associated Credit Union - Warner Bros. Discovery Employees Only

Associated Credit Union serves Warner Bros. Discovery employees with comprehensive banking, lending, and financial services including checking, savings, auto loans, mortgages, and credit cards.

5.0/5

Google rating from 2 reviews

BBB: NR

Profile signals: Warner Bros. Discovery employees seeking comprehensive banking and lending services with member-focused rates, Business owners employed by WBD looking for integrated business and personal banking solutions

CLD Financial, LLC. logo

CLD Financial, LLC.

CLD Financial is a commercial mortgage banking firm specializing in apartment and commercial real estate loans from $1M–$1B, partnering with Fannie Mae, Freddie Mac, FHA, and institutional investors.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: Commercial real estate investors and property owners seeking loans between $1M and $1B for multifamily, office, retail, or industrial properties, Small to mid-sized businesses requiring SBA 504 or 7(a) loans, USDA financing, or equipment financing

Gold ATM - Atlanta Jewelry, Diamonds, Watches, Loans logo

Gold ATM - Atlanta Jewelry, Diamonds, Watches, Loans

Atlanta luxury pawn shop and jewelry buyer with 4.9/5 stars across 1,000+ reviews. Buys and loans against gold, designer items, watches, and diamonds at two locations.

5.0/5

Google rating from 113 reviews

BBB: NR

Profile signals: Atlanta residents with luxury jewelry, watches, or designer goods who need short-term cash without selling, People liquidating jewelry collections or high-end items for short-term cash access

Gold ATM - Atlanta Jewelry, Diamonds, Watches, Pawn Loans logo

Gold ATM - Atlanta Jewelry, Diamonds, Watches, Pawn Loans

Atlanta-based luxury pawn shop and precious metals buyer with 4.9/5 stars across 1000+ reviews. Buys and loans against gold jewelry, watches, diamonds, and designer goods.

5.0/5

Google rating from 831 reviews

BBB: NR

Profile signals: Individuals with luxury watches, designer handbags, or fine jewelry researching short-term cash access, High-net-worth consumers seeking discretionary loans without credit inquiries

Good Credit Is Key, LLC logo

Good Credit Is Key, LLC

Atlanta-based credit restoration firm offering dispute resolution, credit counseling, and debt management to help clients improve credit profiles and achieve financial goals.

5.0/5

Google rating from 10 reviews

BBB: NR

Profile signals: Consumers in the Atlanta, Georgia area with credit report errors or negative items they want disputed, Individuals struggling with medical debt, late payments, or collections who need structured credit counseling

Bankruptcy Services in Atlanta

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North Georgia Bankruptcy Firm logo

North Georgia Bankruptcy Firm

Atlanta-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, foreclosure defense, and debt relief for individuals and families.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: Atlanta-area individuals and families seeking Chapter 7 bankruptcy with asset liquidation and fresh start, Debtors needing Chapter 13 repayment plan restructuring with ongoing attorney guidance

The Kent Law Firm logo

The Kent Law Firm

Atlanta-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, debt relief, and estate planning with 40+ years of experience.

5.0/5

Google rating from 155 reviews

BBB: NR

Profile signals: Georgia residents facing Chapter 7 or Chapter 13 bankruptcy filing, Seniors and military veterans seeking listed-cost bankruptcy representation

CMC Law logo

CMC Law

Atlanta-based bankruptcy law firm led by Charles M. Clapp offering Chapter 7 and Chapter 13 filing services, wage garnishment stops, and foreclosure defense across Georgia with no-money-down representation.

4.9/5

Google rating from 78 reviews

BBB: NR

Profile signals: Wage garnishment victims seeking immediate relief through automatic stay filing, Homeowners facing imminent foreclosure who need Chapter 13 repayment restructuring

Jamie L. Gingold PC logo

Jamie L. Gingold PC

Atlanta-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 relief. Offers free consultations and remote filing options with experienced attorneys.

4.9/5

Google rating from 31 reviews

BBB: NR

Profile signals: Individuals facing foreclosure, repossession, or wage garnishment seeking immediate legal protection, People with overwhelming unsecured debt (credit cards, medical bills) considering Chapter 7 fresh start

Rountree Leitman Klein & Geer, LLC logo

Rountree Leitman Klein & Geer, LLC

Atlanta-based law firm specializing in business and personal bankruptcy, debt restructuring, and litigation with 10 attorneys and 1000+ clients served since 2018.

4.8/5

Google rating from 29 reviews

BBB: NR

Profile signals: Small business owners facing Chapter 11 reorganization or Chapter 7 liquidation with complex assets, High-income individuals with contested debt or litigation components (foreclosures, wage garnishments) requiring attorney advocacy

Saedi Law Group, LLC logo

Saedi Law Group, LLC

Review this provider profile and compare source-linked details before choosing what to do next.

4.6/5

Google rating from 69 reviews

BBB: NR

Profile signals: Consumers in Atlanta, Georgia looking for credit building services, People who prefer working with a local credit building provider

Credit Unions in Atlanta

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Associated Credit Union - Warner Bros. Discovery Employees Only logo

Associated Credit Union - Warner Bros. Discovery Employees Only

Associated Credit Union serves Warner Bros. Discovery employees with comprehensive banking, lending, and financial services including checking, savings, auto loans, mortgages, and credit cards.

5.0/5

Google rating from 2 reviews

BBB: NR

Profile signals: Warner Bros. Discovery employees seeking comprehensive banking and lending services with member-focused rates, Business owners employed by WBD looking for integrated business and personal banking solutions

Peach State Federal Credit Union logo

Peach State Federal Credit Union

Peach State Federal Credit Union is a member-owned financial institution offering home financing, auto loans, and personal lending with a focus on personalized service and community involvement.

4.7/5

Google rating from 301 reviews

BBB: NR

Profile signals: Members seeking home purchase mortgages or refinancing options with personalized service, Borrowers with bad credit seeking auto loans with accessible approval processes

Georgia United Credit Union logo

Georgia United Credit Union

Georgia United Credit Union is a member-owned financial cooperative offering banking services. Website currently unavailable for detailed service verification.

4.5/5

Google rating from 242 reviews

BBB: NR

Profile signals: Georgia residents seeking member-owned banking with potential cost savings, Individuals prioritizing personal relationships and local financial institution support

Delta Community Credit Union logo

Delta Community Credit Union

Delta Community Credit Union is a federally insured credit union offering checking, savings, loans, credit cards, and wealth management services to members across multiple Atlanta-area branches.

4.2/5

Google rating from 220 reviews

BBB: NR

Profile signals: Atlanta-area residents and employees seeking a credit union alternative to traditional banks with extended service hours, Members interested in wealth management and retirement planning services beyond basic banking

BOND Community Federal Credit Union logo

BOND Community Federal Credit Union

BOND Community Federal Credit Union is a federally chartered credit union offering checking, savings, auto loans, home equity products, and credit cards to members in defined Atlanta-area neighborhoods.

4.1/5

Google rating from 22 reviews

BBB: NR

Profile signals: Atlanta-area residents living or working in BOND's defined field of membership neighborhoods, Individuals seeking refinanced auto loans with competitive fixed rates below 6%

Credit Union of Atlanta logo

Credit Union of Atlanta

Credit Union of Atlanta is a member-owned financial institution offering personal and business checking, savings, loans, and credit cards with ATM network fee context across the country.

4.1/5

Google rating from 386 reviews

BBB: NR

Profile signals: Atlanta-area residents seeking member-owned banking with community focus and lower fees, Individuals building credit history who qualify for Credit Builder Loans or secured credit cards

Check Cashing & Money Services in Atlanta

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A M a Check Cashing logo

A M a Check Cashing

A M A Check Cashing provides check cashing services in Atlanta's Southwest corridor with extended weekday hours until 8 PM and Saturday availability.

BBB: NR

Profile signals: Unbanked individuals without traditional bank accounts seeking quick check conversion, Working professionals needing weekend or evening check cashing services

ACE Cash Express logo

ACE Cash Express

Atlanta, GA's ACE Cash Express at 3583 M.L.K. Jr Dr SW provides check cashing, payday loans, and short-term cash access services.

BBB: NR

Profile signals: Consumers who need immediate check cashing services at physical retail locations, Those requiring money transfers or bill payment services without a traditional bank account

Atlanta Check Cashers logo

Atlanta Check Cashers

Check cashing service located in downtown Atlanta offering financial transaction services to unbanked and underbanked consumers.

BBB: NR

Profile signals: Unbanked and underbanked downtown Atlanta workers needing immediate check conversion, Small business owners and gig workers in downtown Atlanta requiring check-cashing services

Atlanta Check Cashers, Inc. logo

Atlanta Check Cashers, Inc.

Atlanta Check Cashers is a check-cashing service located in downtown Atlanta offering check cashing and related financial services to the local community.

BBB: NR

Profile signals: Downtown Atlanta workers needing same-day check liquidation, Individuals without bank accounts seeking check-cashing services

Best Check Cash logo

Best Check Cash

ACE Cash Express operates 10+ locations in the Atlanta area offering check cashing, money orders, bill payment, and financial services without requiring a bank account.

BBB: NR

Profile signals: Unbanked or underbanked individuals who need immediate check cashing without a traditional bank account, Consumers in the Atlanta area seeking convenient same-day money movement and bill payment services

Busy Bee Check Cashing logo

Busy Bee Check Cashing

Busy Bee Check Cashing offers check cashing services in Atlanta with 24/7 availability. However, customer reviews indicate significant operational and service quality concerns.

BBB: NR

Profile signals: Customers with very recent checks (less than 3 days old) needing immediate same-day cashing, People in the immediate Bolton Road area seeking 24/7 check-cashing access

Business Loans in Atlanta

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CLD Financial, LLC. logo

CLD Financial, LLC.

CLD Financial is a commercial mortgage banking firm specializing in apartment and commercial real estate loans from $1M–$1B, partnering with Fannie Mae, Freddie Mac, FHA, and institutional investors.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: Commercial real estate investors and property owners seeking loans between $1M and $1B for multifamily, office, retail, or industrial properties, Small to mid-sized businesses requiring SBA 504 or 7(a) loans, USDA financing, or equipment financing

Hive Financial Systems logo

Hive Financial Systems

Hive Financial Systems provides lending technology and automation platforms (loan origination and management systems) for financial institutions and lenders, not direct consumer lending.

5.0/5

Google rating from 5 reviews

BBB: NR

Profile signals: Fintech and alternative lenders seeking to scale loan origination with automation, Credit unions and community banks wanting to implement modern underwriting technology

KASHER Capital, Inc. logo

KASHER Capital, Inc.

KASHER Capital provides commercial financing solutions including SBA loans, working capital, equipment financing, and commercial real estate loans up to $500M for businesses nationwide.

5.0/5

Google rating from 54 reviews

BBB: NR

Profile signals: Established businesses with strong credit seeking working capital or expansion financing, Commercial real estate investors and fix-and-flip operators in need of property financing

Mobilebusinessloan.com logo

Mobilebusinessloan.com

Mobilebusinessloan.com provides business loans and personal lending services from an Atlanta location, with strong customer reviews highlighting published application timing and personalized service.

5.0/5

Google rating from 4 reviews

BBB: NR

Profile signals: Small business owners seeking personalized loan relationships and rate claims to verify, Entrepreneurs looking to connect with investors through a financial intermediary

Angel Solutions ATL logo

Angel Solutions ATL

Angel Solutions ATL provides business funding and tax resolution services to help owners expand operations and accelerate growth. Founded by Jordynn Miller, they offer strategic financial solutions for business scaling.

4.9/5

Google rating from 11 reviews

BBB: NR

Profile signals: Business owners seeking personalized guidance on growth financing and capital access, Entrepreneurs dealing with tax issues who need integrated financial and tax solutions

Commercial Loan Specialist (CLS) logo

Commercial Loan Specialist (CLS)

Commercial Loan staff context matches real estate developers and investors with lenders for acquisition, development, and refinancing deals ranging from fix-and-flips to multi-million dollar projects.

4.7/5

Google rating from 12 reviews

BBB: NR

Profile signals: Real estate developers seeking financing for commercial projects from acquisition through completion, Institutional and semi-institutional real estate investors managing multi-property portfolios

Pawn Shops in Atlanta

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Gold ATM - Atlanta Jewelry, Diamonds, Watches, Loans logo

Gold ATM - Atlanta Jewelry, Diamonds, Watches, Loans

Atlanta luxury pawn shop and jewelry buyer with 4.9/5 stars across 1,000+ reviews. Buys and loans against gold, designer items, watches, and diamonds at two locations.

5.0/5

Google rating from 113 reviews

BBB: NR

Profile signals: Atlanta residents with luxury jewelry, watches, or designer goods who need short-term cash without selling, People liquidating jewelry collections or high-end items for short-term cash access

Gold ATM - Atlanta Jewelry, Diamonds, Watches, Pawn Loans logo

Gold ATM - Atlanta Jewelry, Diamonds, Watches, Pawn Loans

Atlanta-based luxury pawn shop and precious metals buyer with 4.9/5 stars across 1000+ reviews. Buys and loans against gold jewelry, watches, diamonds, and designer goods.

5.0/5

Google rating from 831 reviews

BBB: NR

Profile signals: Individuals with luxury watches, designer handbags, or fine jewelry researching short-term cash access, High-net-worth consumers seeking discretionary loans without credit inquiries

Pawn Jewelry - Atlanta, GA logo

Pawn Jewelry - Atlanta, GA

Pawn Jewelry specializes in collateral-based loans and purchases for designer jewelry, watches, and luxury items in Atlanta's Buckhead location, backed by Diamond Banc.

5.0/5

Google rating from 25 reviews

BBB: NR

Profile signals: Owners of luxury jewelry or designer watches needing short-term cash who prefer collateral loans over outright sales, High-net-worth individuals seeking discreet, professional transactions for valuable items outside traditional banking channels

TitleBucks Title Pawns logo

TitleBucks Title Pawns

TitleBucks Title Pawns Atlanta, GA — TitleBucks offers title pawns on vehicles and motorcycles with application-timing claims and provider-stated funding timing at multiple Atla...

5.0/5

Google rating from 1,528 reviews

BBB: NR

Profile signals: Vehicle owners with short-term cash needs who can repay within short timeframe and accept collateral risk, Borrowers who need funds faster than traditional lending but have clear repayment capacity to avoid vehicle loss

DB Organization logo

DB Organization

Atlanta-based jewelry and luxury watch buyer offering cash purchases, loans, and consignment services for diamonds, gold, and Rolex watches.

4.9/5

Google rating from 415 reviews

BBB: NR

Profile signals: People with luxury watches (Rolex, Cartier) seeking short-term cash access or short-term loans against them, Estate sellers or those liquidating unused jewelry collections quickly

Gold ATM Atlanta Buyer of Jewelry, Diamonds, Watches, Pawn Loans logo

Gold ATM Atlanta Buyer of Jewelry, Diamonds, Watches, Pawn Loans

Atlanta-based luxury pawn shop and jewelry buyer offering cash for gold, watches, diamonds, and designer items across two locations with 4.9-star ratings.

4.9/5

Google rating from 50 reviews

BBB: NR

Profile signals: Affluent Atlanta residents researching short-term cash access who own luxury watches, jewelry, or designer handbags, Individuals seeking short-term collateral-based loans as alternative to high-interest credit cards or payday loans

Emergency Cash in Atlanta

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TitleMax Title Pawns logo

TitleMax Title Pawns

Atlanta, GA's TitleMax Title Pawns at M.L.K. Jr Drive offers title loans and pawns for short-term cash access.

5.0/5

Google rating from 3,885 reviews

BBB: NR

Profile signals: Consumers with vehicle equity who are researching emergency-cash timing and have poor or no credit history, Borrowers who can repay quickly and minimize interest accrual

Capital Financing logo

Capital Financing

Capital Financing provides pre-settlement cash advances to injury lawsuit plaintiffs, with provider-stated same-day approval timing and no repayment if the case is lost.

4.7/5

Google rating from 379 reviews

BBB: NR

Profile signals: Personal injury plaintiffs awaiting settlement who face urgent expense context (rent, mortgage, medical bills), Workplace injury claimants unable to work during recovery and needing bridge funding

A+ Financial Services, Inc. #01 logo

A+ Financial Services, Inc. #01

Georgia-based lender offering small personal loans up to $2,000 with provider-stated same-day approval timing and pickup. Licensed by Georgia Department of Banking & Finance with 11 Atlanta-area locations.

4.3/5

Google rating from 98 reviews

BBB: NR

Profile signals: Atlanta-area residents needing $100-$2,000 for immediate emergencies with bank accounts and recent paycheck history, Borrowers who can reach a physical location and prefer same-day cash pickup over online transfer

Time Finance Inc.---nmls1246298 logo

Time Finance Inc.---nmls1246298

Time Finance offers quick personal installment loans from $100-$1,000 with same-hour approval in the Atlanta, GA area. short-term cash access lending designed for emergencies and short-term financial needs.

2.2/5

Google rating from 47 reviews

BBB: NR

Profile signals: Atlanta-area workers facing unexpected emergencies needing $100-$1,000 within hours, Individuals with poor or limited credit history requiring published application timing

ACE Cash Express logo

ACE Cash Express

461 Ponce De Leon Ave NE in Atlanta, GA is home to ACE Cash Express, a payday loan and title loan storefront.

BBB: NR

Profile signals: Consumers needing emergency-cash timing to verify in states where services are available, Title loan borrowers who can use vehicle equity for quick funding

Loan for Any Purpose logo

Loan for Any Purpose

Atlanta's Loan for Any Purpose at 823 M.L.K. Jr Dr NW offers payday and title-loan profile details in GA with convenient hours Mon-Fri 7AM-8PM.

BBB: NR

Profile signals: Workers researching emergency-cash options advances under $1,000 before next paycheck, Borrowers with poor credit unable to qualify for bank loans who need $250–$5,000 quickly

Credit Repair in Atlanta

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Allied Credit Group Inc logo

Allied Credit Group Inc

Atlanta-based credit repair and business credit building firm offering credit-score context to review, dispute services, and business credit establishment programs.

5.0/5

Google rating from 5 reviews

BBB: NR

Profile signals: Entrepreneurs and small business owners seeking to establish separate business credit independent of personal credit history, Consumers with damaged personal credit seeking rapid dispute-based repair with professional guidance

Good Credit Is Key, LLC logo

Good Credit Is Key, LLC

Atlanta-based credit restoration firm offering dispute resolution, credit counseling, and debt management to help clients improve credit profiles and achieve financial goals.

5.0/5

Google rating from 10 reviews

BBB: NR

Profile signals: Consumers in the Atlanta, Georgia area with credit report errors or negative items they want disputed, Individuals struggling with medical debt, late payments, or collections who need structured credit counseling

Premier Credit Counseling logo

Premier Credit Counseling

Credit repair company that disputes errors and negotiates debt settlements to help consumers improve credit profiles and qualify for mortgages. 12+ years experience with 10,000+ clients.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: Consumers with valid credit report errors who are specifically working toward mortgage qualification, Homebuyers with established partnerships/referrals from mortgage originators or real estate agents already connected to Premier

Superior Credit logo

Superior Credit

Atlanta-based credit repair company that disputes reported items and lists tradeline-related credit-score context to review for residents seeking mortgage, auto, or debt relief.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: Atlanta-area residents with collections, charge-offs, or tax liens seeking dispute-based credit repair, Consumers preparing to apply for mortgages or auto loans and needing credit-score context to review

Galleria Credit Repair logo

Galleria Credit Repair

Galleria Credit Repair offers credit dispute, debt settlement, and credit rebuilding services with 14 years of experience. They help remove inaccurate items and negotiate settlements for credit-score context to review.

4.8/5

Google rating from 20 reviews

BBB: NR

Profile signals: Consumers with multiple negative items across different account types (charge-offs, collections, judgments) seeking consolidated service, Clients with identity theft or fraudulent accounts who need listed dispute assistance alongside credit repair

Buckhead Credit Repair Company logo

Buckhead Credit Repair Company

Review this provider profile and compare source-linked details before choosing what to do next.

4.4/5

Google rating from 26 reviews

BBB: NR

Profile signals: Consumers in Atlanta, Georgia looking for credit repair services, People who prefer working with a local credit repair provider

Banks in Atlanta

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United Community logo

United Community

United Community is an FDIC-insured bank offering personal and business banking, lending, mortgages, and wealth management services across multiple locations including Embry Hills, GA.

5.0/5

Google rating from 130 reviews

BBB: NR

Profile signals: Customers seeking full-service banking with both personal and business accounts at a single institution, Small business owners needing listed lending (SBA, USDA, industry-specific programs) and treasury management

Ameris Bank logo

Ameris Bank

Regional bank operating in 8 southeastern states with full-service and mortgage-only locations, offering personal and commercial banking, mortgages, and equipment financing.

BBB: NR

Profile signals: Southeast-based small business owners seeking commercial banking and equipment financing with local relationships, Homebuyers in Alabama, Florida, Georgia, North Carolina, or South Carolina wanting local mortgage experience context

Bank of America Financial Center logo

Bank of America Financial Center

In Atlanta, GA, Bank of America Financial Center at 3495 Cascade Rd provides checking, savings, and loan services.

BBB: NR

Profile signals: Existing Bank of America customers needing in-person staff context consultations on mortgages and financial planning, Business owners seeking to make commercial deposits and meet with business banking staff context

Citizens Trust Bank logo

Citizens Trust Bank

Community bank offering personal and business banking solutions with over a century of local presence in Georgia, emphasizing lending flexibility and community investment.

BBB: NR

Profile signals: Georgia-based individuals seeking community bank relationships with local lending decisions, First-time homebuyers leveraging Federal Home Loan Bank partnerships

Craft Bank logo

Craft Bank

Craft Bank is a community bank serving small- and mid-sized businesses nationwide with customized commercial banking, SBA lending, and personal banking products through a digital platform and remote bankers.

BBB: NR

Profile signals: Small- to mid-sized business owners seeking relationship-based commercial banking with SBA loan access, Business owners in Georgia and surrounding states wanting faster loan decisions than large national banks

FHLBank Atlanta logo

FHLBank Atlanta

FHLBank Atlanta is a wholesale banking cooperative that provides advances, affordable housing grants, and correspondent banking services to member financial institutions across the Southeast.

BBB: NR

Profile signals: Banks, credit unions, and thrift institutions seeking wholesale funding and liquidity, Member financial institutions wanting to expand affordable housing lending programs

Free Help in Atlanta

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Atlanta Neighborhood Development Partnership logo

Atlanta Neighborhood Development Partnership

Non-profit housing development organization providing free community assistance and housing resources in Atlanta with HUD-affiliated services.

BBB: NR

Profile signals: Atlanta residents seeking free housing development resources and community assistance, Homeowners or renters with neighborhood housing concerns or development feedback

Catholic Charities of the Archdiocese of Atlanta logo

Catholic Charities of the Archdiocese of Atlanta

Catholic Charities Atlanta is a 501(c)(3) nonprofit providing free social services including counseling, housing assistance, financial counseling, and immigration legal aid to low-income families and individuals.

BBB: NR

Profile signals: Low-income families and individuals seeking free counseling, financial guidance, or housing assistance, Recently arrived refugees and immigrants needing legal representation for citizenship pathways

CredAbility logo

CredAbility

Atlanta-based nonprofit financial counseling agency offering 24/7 phone and internet counseling across all 50 states, plus in-person services at 30 offices in the Southeast.

BBB: NR

Profile signals: Financially-distressed consumers seeking free, confidential counseling in English or Spanish, Individuals preferring nonprofit counseling over commercial debt management companies

Credit Logic, Inc. logo

Credit Logic, Inc.

Non-profit credit education organization providing financial literacy programs to underserved communities, focusing on youth ages 10-14 in the U.S.

BBB: NR

Profile signals: Parents and educators seeking preventive financial literacy curriculum for preteens and early teens in underserved communities, Economically disadvantaged youth ages 10-14 wanting foundational credit and financial knowledge before adulthood

Financial Experts of America logo

Financial Experts of America

Financial Experts of America is a full-service professional firm offering tax preparation, business coaching, and financial literacy education to help individuals and small businesses build wealth.

BBB: NR

Profile signals: Small business owners seeking tax strategy and business organization guidance rather than financing, First-time homebuyers wanting to understand their tax returns and credit readiness before applying for mortgages

Metro Fair Housing Services, Inc. logo

Metro Fair Housing Services, Inc.

Metro Fair Housing Services is a Atlanta-based nonprofit civil rights organization providing free fair housing counseling, education, and enforcement to eliminate housing discrimination.

BBB: NR

Profile signals: Atlanta-area residents who believe they've experienced housing discrimination in rental, sales, lending, or insurance, First-time homebuyers or renters seeking free education on fair housing rights and protections

Personal Loans in Atlanta

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VIVA Finance, Inc. logo

VIVA Finance, Inc.

VIVA Finance offers affordable fixed-rate personal loans from $300 to $10,000 at 11.99%–35.99% APR. Approvals based on employment history, not just credit score. BBB A+ rated, founded 2019.

4.9/5

Google rating from 3,657 reviews

BBB: A+

Profile signals: Borrowers with bad or limited credit who have stable employment, Employees with 1+ year at their current job seeking personal loans

Carputty logo

Carputty

Carputty offers auto financing through Flexloan™, a credit line for vehicle purchases, refinancing, and lease buyouts with pre-qualification and multi-vehicle access.

BBB: NR

Profile signals: Car buyers with good-to-excellent credit seeking to avoid multiple hard inquiries across dealerships, Consumers refinancing existing auto loans to lower rates and monthly payments

Cibc National Trust Company logo

Cibc National Trust Company

CIBC Private Wealth US provides investment management, wealth strategies, and trustee services for high-net-worth individuals and families, not personal loans.

BBB: NR

Profile signals: High-net-worth individuals and families seeking comprehensive wealth management with investment, tax, and estate planning integration, Business owners and entrepreneurs with complex financial situations requiring multi-family office services and trustee support

Georgia Auto Finance logo

Georgia Auto Finance

Georgia Auto Finance is a loan agency specializing in auto loans located in midtown Atlanta. They offer vehicle financing services with accessible hours and local availability.

BBB: NR

Profile signals: Atlanta-area residents seeking in-person auto loan consultation and vehicle financing, Borrowers preferring local lenders with physical office locations over online-only alternatives

Spark Cash Advance logo

Spark Cash Advance

Spark Cash Advance is a loan matching service connecting consumers to third-party lenders offering personal loans up to $5,000, with fast online application and provider-stated next-day funding timing options.

BBB: NR

Profile signals: Consumers with poor or fair credit seeking quick online loan applications, Borrowers needing small emergency cash amounts ($500-$5,000) with fast turnaround

Mortgages & Home Loans in Atlanta

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Baker Collins & Co. | Commercial Lending logo

Baker Collins & Co. | Commercial Lending

Baker Collins & Co. is a private money lender specializing in real estate investment loans including fix-and-flip, rental, new construction, and multi-family projects across the US.

4.9/5

Google rating from 103 reviews

BBB: NR

Profile signals: Real estate investors pursuing fix-and-flip projects who need speed and flexibility over lowest rates, Rental property portfolio builders seeking non-traditional financing for multiple simultaneous projects

National Home Buyers Alliance - Atlanta logo

National Home Buyers Alliance - Atlanta

National Home Buyers Alliance is a mortgage lender with multiple locations across the US offering home purchase and refinancing services to help consumers achieve homeownership.

BBB: NR

Profile signals: Home buyers in major markets (Atlanta, Chicago, Dallas, Houston, Kansas City, St. Louis) preferring local in-person consultation, Borrowers seeking personalized mortgage guidance through dedicated regional loan officers

Nsc (Naca Counseling Subsidiary) - Atlanta, GA logo

Nsc (Naca Counseling Subsidiary) - Atlanta, GA

NACA is a non-profit mortgage lender offering character-based mortgages with no down payment, no closing costs, no mortgage insurance, and fixed rates below market—requiring membership qualification.

BBB: NR

Profile signals: Low-to-moderate income first-time homebuyers with limited savings for down payment, People of color and historically underserved communities facing credit discrimination

The Credit Doctor logo

The Credit Doctor

Peach State Federal Credit Union is a member-owned financial institution offering mortgages, home equity loans, HELOCs, and comprehensive banking services to members in Georgia and South Carolina.

BBB: NR

Profile signals: Georgia and South Carolina residents seeking traditional home purchase or refinance mortgages, Homeowners looking to access equity for renovations or consolidation via home equity loans or HELOCs

Debt Relief in Atlanta

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Konn LLC logo

Konn LLC

Georgia-based debt settlement law firm specializing in negotiating reduced payoffs on credit card and personal loan debt to avoid lawsuits and judgments.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: Georgia residents with 6+ months of unpaid credit card or personal loan debt facing potential lawsuits, Consumers who have received demand letters or have already been sued by creditors

Real Tax Debt Relief logo

Real Tax Debt Relief

Tax debt resolution firm specializing in IRS negotiation, levy/lien relief, and back tax settlement for clients owing $25K+. Led by Enrolled Agent with 20+ years experience.

4.9/5

Google rating from 44 reviews

BBB: NR

Profile signals: Individuals owing $25K+ in federal back taxes seeking professional IRS negotiation and settlement, Taxpayers facing active IRS levies, liens, or wage garnishments requiring immediate enforcement relief

Credit Building in Atlanta

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Greenlight Financial Technology logo

Greenlight Financial Technology

Greenlight is a family fintech platform founded in 2014 in Atlanta, GA. Offers debit cards for kids, investing accounts, and financial literacy tools. BBB accredited since 2017. Valued at $2.3B (2021). 4.5M+ families served.

3.8/5

Google rating from 500 reviews

BBB: A+

Profile signals: Parents seeking a comprehensive platform to teach children money management, saving, and basic investing concepts, Families wanting parental controls over children's spending with real-time monitoring and merchant-level restrictions

Your Rights in Georgia

Georgia Consumer Protections: Georgia bans payday lending and treats violations as felony racketeering, providing among the strongest anti-payday protections in the country. Licensed installment lenders are regulated by the Department of Banking and Finance. Consumers can file complaints through the Governor's Office of Consumer Protection.

Interest Rate Cap: Georgia usury cap: 5% simple interest (7% contract rate); payday lending banned under industrial loan act repeal. Payday lending is banned in this state.

Key Regulations:
  • Payday lending is banned; Georgia repealed the industrial loan act that authorized small loans.
  • The Georgia Industrial Loan Act criminalizes payday-style lending as a felony racketeering offense.
  • Licensed installment lenders can charge tiered rates up to 60% for smallest loans.
  • Georgia Fair Lending Act regulates high-cost home loans.

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 Georgia Attorney General Consumer Protection Division.

Research Service Guides

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

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