Compare 60 credit repair companies, personal lenders, and financial services in Austin, Texas. All independently reviewed with BBB ratings and pricing.
Gold Star Finance offers installment signature loans from $200–$1,700 across 68+ Texas locations. Established 1978, they focus on accessible small loans for consumers with imperfect credit.
Best for: Texas residents with poor/fair credit needing $200–$1,700 for immediate expenses, Borrowers seeking installment loans over payday/title loans with longer repayment terms
Austin, TX Bank of America Financial Center at 701 E Stassney Ln offers weekday banking (9AM-5PM Mon-Fri) and Saturday hours (9AM-2PM).
Best for: Kensington-area residents and Philadelphia customers seeking full-service banking and ATM access, Small business owners needing commercial deposits and business banking services
B&F Finance is a Texas-based personal installment lender founded in 1973, with 25+ branches across Texas and Oklahoma offering fixed-payment loans funded to your debit card.
Best for: Texas or Oklahoma residents who prefer working with a local branch and in-person loan officer, Borrowers looking for a structured installment loan to replace or avoid high-cost payday loan cycles
Greater Texas Credit Union is a member-owned financial institution offering checking, savings, loans, and credit cards to individuals and businesses across Texas.
Best for: Texas residents seeking member-owned financial institution with lower fees than traditional banks, Borrowers interested in auto loans with promotional incentives and competitive rates
OneMain Financial Austin, Texas — OneMain Financial offers fixed-rate personal loans from $1,500–$30,000 with terms of 24–60 months at APRs ranging from...
Best for: Borrowers with fair to poor credit seeking fixed-rate personal loans without prepayment penalties, Consumers needing debt consolidation or emergency funds and prioritizing speed (same-day funding)
Texas-based credit repair company using AI-generated dispute letters to challenge errors on credit reports. Offers credit repair, debt consolidation, and trade line services with monthly retainers starting at $95.
Best for: Texas residents with documented errors on their credit reports who want to explore dispute options, Consumers seeking bundled services combining credit repair with debt consolidation or apartment placement
Check-cashing service at S I-35 Frontage Rd in Austin, TX offering check cashing, payday loans, installment loans, and title loans with extended hours (7AM–10PM).
Best for: Customers needing immediate check-cashing services during extended hours in south Austin, Workers seeking emergency small loans outside standard banking hours
Austin, TX MoneyGram at 14300 FM 969 B offers 7-day check cashing and money transfers with extended evening hours.
Best for: Customers without bank accounts needing domestic money transfer services, People sending money to recipients in international markets MoneyGram serves
Austin, TX MoneyGram location at 500 N Congress Ave offers 24-hour check cashing and money services.
Best for: Consumers sending remittances to family members in other countries or states, Individuals needing same-day or next-day money transfers without bank accounts
Austin, TX's PLS Check Cashers on North Lamar provides 24-hour check cashing, money transfers, and quick bill payments.
Best for: Unbanked or underbanked consumers needing 24/7 check cashing and money services, Individuals requiring vehicle registration, title transfers, or license plate services combined with financial services
Unipago Cash Checking provides check cashing and fund transfer services in Austin, TX. Located on Stassney Ln, they handle checks, money orders, and financial transactions.
Best for: Unbanked or underbanked individuals in South Austin needing check cashing, Customers requiring same-day or quick fund transfers in the Austin area
Austin, TX Western Union at 1000 E 41st St offers check cashing and money transfer services.
Best for: Consumers sending money internationally who prioritize established brand reputation and wide agent network, Unbanked or underbanked populations without traditional checking accounts seeking cash-based financial services
Gold Star Finance offers installment signature loans from $200–$1,700 across 68+ Texas locations. Established 1978, they focus on accessible small loans for consumers with imperfect credit.
Best for: Texas residents with poor/fair credit needing $200–$1,700 for immediate expenses, Borrowers seeking installment loans over payday/title loans with longer repayment terms
Value Pawn and Jewelry buys, sells, and loans against pre-owned items including electronics, tools, jewelry, and equipment across multiple locations with online inventory browsing and mobile app management.
Best for: Consumers needing immediate cash who own valuable electronics, tools, jewelry, or equipment, Budget-conscious shoppers seeking discounted pre-owned brand-name items
FirstCash is the leading international pawn shop operator with 3,300+ locations across the U.S., Latin America, and the UK, offering pawn loans secured by personal property and retail merchandise sales.
Best for: Individuals with poor or no credit history needing emergency cash without credit checks, People with valuable possessions (jewelry, electronics, tools) willing to use them as collateral temporarily
FirstCash is the leading international operator of pawn stores with 3,300+ locations across 29 U.S. states, the UK, and Latin America, offering pawn loans secured by personal property.
Best for: Consumers with immediate cash needs who lack traditional credit or have poor credit scores, People with valuable items (jewelry, electronics, instruments) they're willing to temporarily pledge as collateral
Austin-based precious metals and jewelry buyer offering free appraisals and same-day cash payouts for gold, silver, diamonds, and luxury watches by appointment.
Best for: Austin-area residents with jewelry, gold, silver, or luxury watches to liquidate for immediate cash, Individuals selling estate jewelry or inherited precious metals without resale intent
Austin-based precious metals and collectible coin dealer buying, selling, and trading gold, silver, platinum, and palladium since 2009. Direct sourcing and low overhead enable competitive pricing.
Best for: Austin-area precious metals collectors seeking to buy or sell bullion locally without shipping, Numismatists interested in learning coin history and currency from experienced, education-focused staff
Atlas Bad Credit Loans is a loan marketplace connecting borrowers with third-party lenders offering loans up to $5,000 for those with poor credit, with same-day or quick funding available.
Best for: Borrowers with poor credit seeking quick emergency cash of $500-$5,000, Those needing auto or motorcycle financing who have been declined elsewhere
Austin's ACE Cash Express at 730 W Stassney Ln offers fast payday and title loans with same-day approval.
Best for: Consumers needing same-day or next-day cash for emergency expenses without credit checks, Vehicle owners seeking title-secured loans as collateral-based borrowing alternatives
At 8810 Business Park Drive in Austin, Texas, Payday Loans Cash provides quick payday loans and title loans.
Best for: Borrowers in Austin, Texas with immediate cash needs and bad credit who want to apply once and be matched with multiple lenders, People needing $100–$1,000 for urgent expenses (medical, car repair, unexpected bills) and willing to pay payday loan rates for speed
Austin, TX location of 5 Star Car Title Loans offers quick car title loans at 1903 W William Cannon Dr.
Best for: Vehicle owners with poor or no credit history who need emergency cash quickly, Borrowers facing urgent expenses (medical bills, rent, emergency repairs) who can repay within months
ACE Cash Express offers payday loans ($100-$2,000), installment loans, check cashing, and financial services at 4+ Austin locations with same-day funding options.
Best for: Unbanked or underbanked Austin residents needing immediate cash and check cashing services without traditional bank access, Workers facing unexpected expenses between paychecks who can repay in full on next payday
At 3109 Manor Rd in Austin, TX, Montana Capital Car Title Loans provides same-day title loans.
Best for: Car owners with poor or no credit who need fast emergency cash and have been rejected by banks, Borrowers needing larger emergency amounts (up to $50,000) secured against their vehicle's equity
B&F Finance is a Texas-based personal installment lender founded in 1973, with 25+ branches across Texas and Oklahoma offering fixed-payment loans funded to your debit card.
Best for: Texas or Oklahoma residents who prefer working with a local branch and in-person loan officer, Borrowers looking for a structured installment loan to replace or avoid high-cost payday loan cycles
OneMain Financial Austin, Texas — OneMain Financial offers fixed-rate personal loans from $1,500–$30,000 with terms of 24–60 months at APRs ranging from...
Best for: Borrowers with fair to poor credit seeking fixed-rate personal loans without prepayment penalties, Consumers needing debt consolidation or emergency funds and prioritizing speed (same-day funding)
Tower Loan Austin, Texas — Tower Loan offers installment and personal loans from $1,700+ at a Fort Worth, TX branch, emphasizing holistic financial revi...
Best for: Texas residents in the DFW area (Tarrant, Palo Pinto, Parker counties) needing $1,700+ loans with quick approval, Borrowers with fair or poor credit scores who prefer evaluation of full financial history over credit-score-based decisions
Hunter-Kelsey provides property tax loans in Texas, allowing homeowners and business owners to pay delinquent property taxes upfront and repay over time, avoiding county penalties and fees.
Best for: Texas homeowners with delinquent property taxes seeking to avoid escalating county penalties and potential foreclosure, Commercial property owners in Texas facing property tax debt with time pressure from lenders or county collection
Lendmark Financial Services LLC Austin, Texas — Lendmark Financial Services is a consumer finance company offering personal loans, auto loans, and debt ...
Best for: Borrowers seeking debt consolidation to simplify multiple monthly payments, Auto buyers wanting pre-approval and buying power before visiting dealerships
Tower Loan Austin, Texas — Tower Loan is a regional installment and personal lender operating across 6 states with physical branch locations, offering l...
Best for: Borrowers in served states (TX, AL, FL, IL, LA, MS, MO, TN) who prefer in-person lending relationships, Applicants with fair or thin credit files who benefit from non-credit-score-based evaluation
Greater Texas Credit Union is a member-owned financial institution offering checking, savings, loans, and credit cards to individuals and businesses across Texas.
Best for: Texas residents seeking member-owned financial institution with lower fees than traditional banks, Borrowers interested in auto loans with promotional incentives and competitive rates
Texas-based federal credit union offering checking, savings, auto loans, mortgages, and home equity products with a #1-rated mobile app and competitive rates.
Best for: Texas-based consumers eligible for credit union membership seeking competitive auto and mortgage rates, Tech-savvy members prioritizing mobile banking convenience and early direct deposit benefits
Federal credit union serving government employees with checking, savings, loans, and credit cards. Member-owned financial institution focused on affordable lending and member benefits.
Best for: Government employees seeking member-owned financial institution with personalized service, Vehicle buyers looking for competitive auto loan rates and lending support
Source Capital is a direct hard money lender specializing in short-term real estate loans ($100K-$5M) for investors and property owners across Texas with fast funding and flexible credit requirements.
Best for: Real estate investors seeking quick capital for fix-and-flip projects or rental property acquisitions, Property developers and contractors needing bridge financing between property sales and purchases
Family-owned hard money lender in Austin offering short-term real estate loans from $75K–$5M with in-house approval and 2-day closings.
Best for: Real estate investors seeking short-term bridge or fix-and-flip financing, Commercial property developers needing quick capital for renovation or acquisition
New American Funding's Austin branch offers conventional, FHA, VA, and refinance mortgages with down payments as low as 3%, plus down payment assistance up to $6,000 for first-time homebuyers in select areas.
Best for: First-time homebuyers in the Austin area seeking down payment assistance and supportive lending, VA-eligible veterans and active duty military seeking 0% down mortgage options
Texas state agency that regulates non-bank financial services and provides free consumer education, complaint resolution, and helpline assistance to protect Texans' credit rights.
Best for: Texas residents seeking free information about credit rights and financial regulations, Consumers wanting to file formal complaints against regulated lenders in Texas
Foundation Communities' Prosper Center – South offers free financial counseling, tax preparation, health insurance navigation, and college planning to low-income Austin residents.
Best for: Low-income South Austin residents earning under $60,000/year seeking free tax preparation and financial coaching, Families and individuals struggling with credit, debt, or budgeting who need professional financial guidance
Austin, TX Bank of America Financial Center at 701 E Stassney Ln offers weekday banking (9AM-5PM Mon-Fri) and Saturday hours (9AM-2PM).
Best for: Kensington-area residents and Philadelphia customers seeking full-service banking and ATM access, Small business owners needing commercial deposits and business banking services
Texas-based credit repair company using AI-generated dispute letters to challenge errors on credit reports. Offers credit repair, debt consolidation, and trade line services with monthly retainers starting at $95.
Best for: Texas residents with documented errors on their credit reports who want to explore dispute options, Consumers seeking bundled services combining credit repair with debt consolidation or apartment placement
CDFI offering small-dollar loan alternatives, affordable housing financing, and community development lending in low-income Texas communities.
Best for: Mission-driven organizations seeking affordable housing financing for low-income communities, CLC franchisees needing capital expansion for their small-dollar loan operations
Private commercial real estate lender offering bridge, rehab, and construction loans from $2–$25MM for multifamily, commercial, land, and residential investment properties.
Best for: Experienced commercial real estate investors needing bridge financing for acquisitions or stabilization, Multifamily developers (5+ units) seeking rehab or ground-up construction capital
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. HUD-approved counselors in Austin offer free guidance at consumerfinance.gov.
Our editors reviewed hundreds of companies to find the best options nationwide.
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