Review 144 credit repair companies, personal lenders, and financial services in Austin, Texas. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.
1st Franklin Financial is a personal installment loan lender offering $600–$15,000 loans for debt consolidation, home improvement, medical expenses, and life events.
Google rating from 399 reviews
Profile signals: Consumers needing $600–$15,000 for debt consolidation or unexpected expenses, Borrowers with limited credit history or non-prime credit seeking installment loans
Texas-based property tax loan lender offering no-money-down financing to help homeowners avoid foreclosure. Serves all Texas counties with online application and rate-match listed refund term.
Google rating from 60 reviews
Profile signals: Texas homeowners with unpaid property taxes facing imminent foreclosure who need immediate liquidity, Borrowers with poor credit or no credit history unable to qualify for traditional mortgage or home equity products
Austin Capital Mortgage is a Texas-based mortgage lender operating since 1996, offering home purchase loans, refinances, and listed programs through 100+ lenders with 1-day pre-approval and 7-21 day closings.
Google rating from 306 reviews
Profile signals: Self-employed borrowers and contractors needing non-traditional income documentation (1099, bank statement loans), First-time homebuyers seeking pre-approval without immediate credit impact and multiple loan option comparison
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Google rating from 15 reviews
Profile signals: Consumers in Austin, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Austin-based mortgage lender specializing in residential, investment, and custom construction loans with 20+ years of experience and nationwide availability.
Google rating from 150 reviews
Profile signals: Austin-area home buyers and refinancers seeking personalized service from an experienced local lender, Investment property buyers and rental owners needing listed commercial/investment mortgage experience context
Austin-based hard money lender specializing in fix-and-flip and new construction loans for Texas real estate investors with 1-year terms and rate claims to verify.
Google rating from 9 reviews
Profile signals: Texas real estate investors executing fix-and-flip projects with clear timelines and exit strategies, New construction developers needing short-term project financing before permanent financing or sale
Austin, TX EZPAWN at 4714 S Congress Ave buys jewelry, electronics, and valuables with short-term cash access loans available on-site.
Google rating from 17,427 reviews
Profile signals: Consumers with valuable items needing short-term cash who can reliably redeem their collateral within loan terms, Bargain hunters seeking 25-70% discounts on brand-name electronics, tools, jewelry, and sporting equipment
M.I. Trading LLC is an Austin-based diamond and jewelry buyer that purchases certified and non-certified diamonds through in-person appointments with a professional gemologist.
Google rating from 321 reviews
Profile signals: Individuals liquidating inherited diamonds seeking professional, confidential evaluation, People navigating divorce settlements requiring private diamond appraisal and sale
EZPAWN's Cash Pawn location in Austin offers collateral-based loans, gold/jewelry buying, and discounted pre-owned merchandise. Get short-term cash access by pawning items or selling valuables.
Google rating from 2,155 reviews
Profile signals: Individuals with valuable items (electronics, jewelry, tools, instruments) researching short-term cash access, Budget-conscious shoppers seeking 25-70% discounts on pre-owned brand-name merchandise
EZPAWN Luxe is a pawn shop in Austin, TX offering collateral-based loans, gold/jewelry buying, and discounted pre-owned merchandise with flexible payment options.
Google rating from 558 reviews
Profile signals: Individuals with items of value (electronics, jewelry, tools, gaming equipment) who are researching short-term cash access with eligibility claims to verify, Customers seeking discounted pre-owned brand-name merchandise at 25-70% below retail prices
Austin Rare Coins & Bullion buys and sells precious metals, rare coins, and ancient numismatic collectibles with real-time spot price tracking.
Google rating from 73 reviews
Profile signals: Precious metals investors seeking to buy bullion coins and bars with live price tracking, Coin collectors interested in rare, graded, and ancient numismatic pieces
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, retail sales, and gold buying services.
Google rating from 2,209 reviews
Profile signals: Consumers with no access to traditional credit who need immediate emergency cash against personal property, People with valuable jewelry, electronics, or instruments who prefer non-recourse lending over personal loans
AAA CHECK CASHING offers check cashing services with competitive processing fees. The company emphasizes low-cost transactions and easy money access.
Google rating from 11 reviews
Profile signals: Consumers seeking quick check cashing with emphasis on low fees, People without traditional bank accounts looking for check conversion services
Barri is a money services company offering check cashing, money transfers, bill payments, mobile reloads, and a prepaid Visa debit card with 30+ years of experience.
Profile signals: Latino and immigrant households sending regular remittances to family in Latin America, Unbanked and underbanked consumers needing check cashing, bill payment, and money transfer services
Barri offers check cashing, money transfers, bill payment, mobile recharges, and personal loans through physical locations and a mobile app, serving primarily Spanish-speaking immigrants.
Profile signals: Spanish-speaking immigrants sending remittances to Latin America and the Caribbean, Unbanked or underbanked consumers needing check cashing with extended hours
Barri is a money transfer and financial services platform offering check cashing, bill payment, mobile recharges, and personal loans through 30+ years of remittance experience.
Profile signals: Spanish-speaking immigrants and expat communities sending remittances to Latin America, Unbanked or underbanked consumers needing check cashing without a traditional bank account
Money transfer, check cashing, and money order service in Austin with extended hours (9AM-9PM daily). Known for friendly customer service in a convenient gas station location.
Profile signals: Spanish-speaking customers familiar with money transfer and remittance services, People needing extended-hours money orders or wire transfers in the Austin area
Check Cashing Austin, Texas — ACE Cash Express operates 4 locations in the Austin area offering check cashing, payday loans, installment loans, and prep...
Profile signals: Consumers needing immediate check cashing services without a bank account, Working individuals needing small emergency cash advances between paychecks
Texas-based federal credit union offering checking, savings, auto loans, mortgages, and home equity products with a mobile-first approach and member-focused service model.
Google rating from 1,135 reviews
Profile signals: Texas residents seeking a digital-first banking experience with a mobile-optimized platform, Auto loan refinancers looking to lower existing rates through credit union partnerships
Austin-based credit union serving Travis County members with bilingual support, ITIN lending, and CDFI designation. $10 minimum membership with no monthly checking fees.
Google rating from 120 reviews
Profile signals: Undocumented immigrants and ITIN holders seeking credit access and financial services, Travis County residents and employees seeking community-focused, non-profit banking with bilingual support
UFCU is a credit union offering banking services including checking, savings, and member access through multiple branch locations.
Google rating from 498 reviews
Profile signals: Members seeking traditional banking services through a member-owned cooperative, Customers preferring in-person banking relationships with local branch access
Travis County Credit Union is a federally insured credit union offering checking, savings, loans, and credit cards to eligible members in the Austin area.
Google rating from 71 reviews
Profile signals: Austin-area residents and those eligible to join seeking federally insured savings and checking accounts, Members needing auto or motorcycle financing with competitive fixed rates
Capitol Credit Union is a member-owned financial institution serving Central Texas for 70 years, offering checking, savings, loans, credit cards, and wealth management services.
Google rating from 90 reviews
Profile signals: Central Texas residents and businesses seeking member-owned credit union banking with community accountability, Parents introducing children to money management through Next Gen youth accounts with guided debit cards
Texas Health Credit Union is a member-owned financial cooperative celebrating 70 years of service, offering checking, savings, loans, and credit cards with no monthly service charges.
Google rating from 37 reviews
Profile signals: Members seeking a traditional credit union with no-fee checking and ATM access, Consumers interested in auto financing or home equity loans from a cooperative institution
Texas-based property tax loan lender offering no-money-down financing to help homeowners avoid foreclosure. Serves all Texas counties with online application and rate-match listed refund term.
Google rating from 60 reviews
Profile signals: Texas homeowners with unpaid property taxes facing imminent foreclosure who need immediate liquidity, Borrowers with poor credit or no credit history unable to qualify for traditional mortgage or home equity products
Austin Capital Mortgage is a Texas-based mortgage lender operating since 1996, offering home purchase loans, refinances, and listed programs through 100+ lenders with 1-day pre-approval and 7-21 day closings.
Google rating from 306 reviews
Profile signals: Self-employed borrowers and contractors needing non-traditional income documentation (1099, bank statement loans), First-time homebuyers seeking pre-approval without immediate credit impact and multiple loan option comparison
Austin-based mortgage lender specializing in residential, investment, and custom construction loans with 20+ years of experience and nationwide availability.
Google rating from 150 reviews
Profile signals: Austin-area home buyers and refinancers seeking personalized service from an experienced local lender, Investment property buyers and rental owners needing listed commercial/investment mortgage experience context
Austin-based mortgage broker offering conventional, FHA, VA, jumbo, and listed non-QM loans including self-employed, asset-depletion, and crypto-backed mortgages.
Google rating from 536 reviews
Profile signals: Self-employed individuals and business owners who lack traditional W2 income documentation, Cryptocurrency holders seeking mortgages without liquidating Bitcoin or Ethereum holdings
Texas-based hard money lender offering short-term bridge loans and long-term rental property financing for real estate investors. Woman-owned with 20+ years of experience.
Google rating from 8 reviews
Profile signals: Real estate investors seeking short-term bridge financing for fix-and-flip projects with rapid closing requirements, Experienced landlords refinancing or purchasing rental property portfolios needing long-term DSCR loans or cross-collateralized financing
Austin-based mortgage brokerage offering personalized home financing solutions including conventional, FHA, VA, and listed loans for self-employed borrowers and investors.
Google rating from 58 reviews
Profile signals: Self-employed individuals and freelancers who struggle to document income through tax returns and W-2s, Real estate investors seeking to finance rental or investment properties based on cash flow metrics
Online title loan lender offering $1,000–$20,000 secured loans using vehicle equity as collateral, with provider-stated same-day to next-day funding timing via direct deposit.
Google rating from 14 reviews
Profile signals: Borrowers with vehicle equity researching emergency-cash options and have exhausted lower-cost alternatives, Self-employed or gig workers with poor credit who may not meet traditional personal-loan criteria
Magnolia Payday Loans Austin, TX — Texas-based payday and installment lender with 8+ physical locations offering same-day loans up to $5,000, car title ...
Google rating from 50 reviews
Profile signals: Texas residents with unexpected urgent expenses needing same-day cash without bank waiting periods, Borrowers with poor or no credit history unable to qualify for traditional bank loans
Payment 1 offers personal installment loans and title loans in Austin with fast funding, flexible terms, and eligibility claims to verify for qualification.
Google rating from 283 reviews
Profile signals: Borrowers with poor credit or no credit history comparing emergency-cash timing, Vehicle owners facing urgent expense situations who can leverage title equity
15M Finance offers payday and installment loans up to $5,000 with online applications and 24-hour funding. A loan marketplace that connects borrowers to lenders in states where payday lending is legal.
Google rating from 15 reviews
Profile signals: Borrowers with poor credit scores who need fast emergency cash and may not meet traditional personal-loan criteria, Salaried employees facing unexpected expenses who can repay a small loan by their next paycheck
Buy Here Pay Here used car dealer in Austin and San Marcos offering in-house financing for borrowers with bad or no credit, partnering with Colonial Auto Finance.
Google rating from 4,191 reviews
Profile signals: Borrowers with bad credit or no credit history who cannot qualify for traditional auto financing, Individuals prioritizing application-timing claims and flexible income documentation over lowest possible interest rates
Second Chance Ventures is a loan matching platform connecting borrowers with lenders for small personal and short-term loans ($100-$5,000) with fast funding.
Google rating from 21 reviews
Profile signals: Borrowers with poor or limited credit history facing urgent expense situations who may not meet traditional bank-loan criteria, Consumers needing $100-$1,000 quickly for unexpected expenses like medical bills or vehicle repairs
1st Franklin Financial is a personal installment loan lender offering $600–$15,000 loans for debt consolidation, home improvement, medical expenses, and life events.
Google rating from 399 reviews
Profile signals: Consumers needing $600–$15,000 for debt consolidation or unexpected expenses, Borrowers with limited credit history or non-prime credit seeking installment loans
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 251 reviews
Profile signals: Consumers in Austin, Texas looking for personal lending services, People who prefer working with a local personal lending provider
Republic Finance offers personal loans, bill consolidation, and auto-secured loans with flexible terms. Established lender operating 260+ branches across the US since 1952.
Google rating from 30 reviews
Profile signals: Borrowers with existing relationships at Republic Finance locations seeking to refinance current loans, Consumers in underserved areas without local bank branches who can visit a physical office
Service Loan offers personal loans up to $50K in the Austin, TX area for bills, vacations, and other expenses. They accept applicants with bad credit and provide same-day qualification.
Google rating from 798 reviews
Profile signals: Austin-area residents with bad credit seeking personal loans for general purposes, Borrowers who prefer in-person application and support at a physical branch location
Online loan marketplace connecting borrowers to a network of lenders offering $1,000–$5,000 personal loans with fast funding, typically within 24–48 hours.
Google rating from 20 reviews
Profile signals: Borrowers with poor or fair credit seeking fast access to $1,000–$5,000, Consumers facing emergencies who need funds within 24–48 hours and can tolerate high APRs
Online loan marketplace connecting borrowers to a network of lenders offering $1,000-$5,000 personal loans with real-time matching and next-business-day funding.
Google rating from 58 reviews
Profile signals: Borrowers needing $1,000-$5,000 quickly for unexpected expenses, Those with fair to poor credit seeking access to multiple lender options
Austin-based hard money lender specializing in fix-and-flip and new construction loans for Texas real estate investors with 1-year terms and rate claims to verify.
Google rating from 9 reviews
Profile signals: Texas real estate investors executing fix-and-flip projects with clear timelines and exit strategies, New construction developers needing short-term project financing before permanent financing or sale
T3 Commercial Financing is a commercial lending firm in Austin, TX offering SBA loans, construction financing, and commercial real estate deals with 25+ years of team experience.
Google rating from 5 reviews
Profile signals: Commercial real estate developers seeking construction or rehab financing for complex projects, Small business owners exploring SBA loan options with experienced guidance
Texas-based hard money lender offering fast, flexible financing for real estate investors. Specializes in residential, commercial, and development projects with streamlined approval.
Google rating from 14 reviews
Profile signals: Real estate investors needing fast capital for time-sensitive acquisition or bridge financing, Property developers requiring flexible funding for commercial or residential development projects
Balance sheet hard money lender specializing in fix-and-flip, rental property, new construction, and bridge loans for real estate investors with fast underwriting and direct lending decisions.
Google rating from 191 reviews
Profile signals: Real estate fix-and-flip investors seeking fast capital with flexible terms, Rental property investors needing DSCR loans or refinancing for investment portfolios
Commercial mortgage broker specializing in no-tax-return loans for real estate investors across apartment, retail, hotel, and industrial properties nationwide.
Google rating from 41 reviews
Profile signals: Real estate investors with multiple rental properties seeking refinancing without extensive tax documentation, Self-employed real estate investors or foreign nationals who prefer asset-based qualification over personal income verification
BCL of Texas provides small business loans up to $50K, SBA 504 financing, and business coaching across Austin, Dallas, and San Marcos with a focus on diverse and underserved entrepreneurs.
Google rating from 35 reviews
Profile signals: Diverse business owners and entrepreneurs from underrepresented communities seeking patient capital, Early-stage and small businesses in Texas needing guidance as much as capital (startup/scale-up phase)
SouthStar Bank is a Texas-based community bank serving the state since 1920, offering personal and commercial banking with locally-made loan decisions.
Google rating from 8 reviews
Profile signals: Texas-based small business owners seeking SBA or commercial construction financing with local decision-makers, Homebuilders and real estate developers needing spec home loans and construction financing
PECU is a member-owned, not-for-profit credit union in Austin, TX offering full-service banking including checking, savings, loans, and credit cards with rewards programs.
Google rating from 225 reviews
Profile signals: Austin-area residents seeking rewards-based checking with cash back on everyday spending categories, Credit union members who value not-for-profit structure and member ownership over corporate banking
Austin Capital Bank is a technology-driven digital bank offering savings accounts, CDs, and money market accounts with a focus on security innovation, serving over 1 million users nationwide.
Profile signals: Security-conscious savers seeking biometric authentication and advanced fraud protection for short-term funds, Customers building emergency reserves (3-9 months expenses) through automated recurring deposits
Austin, TX Bank of America Financial Center at 701 E Stassney Ln offers weekday banking (9AM-5PM Mon-Fri) and Saturday hours (9AM-2PM).
Profile signals: Kensington-area residents and Philadelphia customers seeking full-service banking and ATM access, Small business owners needing commercial deposits and business banking services
Horizon Bank is a Texas-based community bank operating since 1905, offering personal and business banking services across Central Texas with a focus on relationship-driven banking.
Profile signals: Central Texas small business owners seeking relationship-based banking and local decision-making, Austin-area residents prioritizing personal banker relationships over digital-first banking
FDIC-insured community bank serving Austin, Carrizo Springs, and Crystal City with personal and business banking, loans, and overdraft protection.
Profile signals: Small business owners in Central Texas seeking personalized lending relationships and local decision-making, Austin-area residents who value community banking and direct access to local lenders
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Google rating from 15 reviews
Profile signals: Consumers in Austin, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Texas-based credit repair company offering unlimited disputes with all three major credit bureaus, personalized credit plans, and financial education to give clients credit-score context to review.
Google rating from 3 reviews
Profile signals: Texas residents with multiple negative items on credit reports seeking systematic dispute assistance, Consumers wanting ongoing support and education to prevent returning to poor credit patterns
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Google rating from 23 reviews
Profile signals: Consumers in Austin, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Credit repair company that disputes negative items on credit reports and provides one-on-one credit coaching. Offers three service tiers starting at $80/month with month-to-month cancellation.
Google rating from 26 reviews
Profile signals: Consumers with multiple negative items on their credit reports who want structured credit coaching alongside disputes, Individuals preparing for major purchases (homes, autos) who need faster score improvement than DIY disputing
Good Credit 4 Life is a credit repair company that disputes inaccuracies on credit reports and provides credit education to help clients improve their scores.
Google rating from 55 reviews
Profile signals: Individuals with inaccuracies or errors on their credit reports who want professional dispute handling, Credit score in the 500s-600s range seeking improvement to qualify for better lending terms
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.
Profile signals: 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
Texas-based debt consolidation and settlement company serving Austin residents. Combines multiple debts into one payment with fees claimed to be 40% lower than national competitors.
Google rating from 4 reviews
Profile signals: Austin and Texas residents with multiple unsecured debts seeking local, personalized service, Consumers wanting to consolidate credit cards, medical bills, and payday loans into one payment
Texas-based debt settlement company offering negotiated debt resolution for high-income earners with $50K-$300K+ in unsecured debt, charging performance-based fees up to 40% lower than national competitors.
Google rating from 16 reviews
Profile signals: Texas residents with $50,000-$300,000+ in high-interest credit card and unsecured personal loan debt, Higher-income earners who can afford structured monthly payments during 2-4 year settlement periods
Texas-exclusive debt settlement and consolidation staff context for higher-income earners with $30K–$300K+ in credit card and personal loan debt, claiming A+ BBB rating with zero complaints.
Google rating from 3 reviews
Profile signals: Texas residents with $30K–$300K in credit card or personal loan debt earning sufficient income to service a settlement plan, Higher-income earners with significant unsecured debt who want to avoid bankruptcy but have no collateral for secured consolidation
Texas-based debt settlement and consolidation staff context for higher-income earners with $30K–$300K+ in credit card and personal loan debt. Veteran-owned with 20+ years of experience.
Google rating from 4 reviews
Profile signals: Texas residents with $30,000–$300,000+ in high-interest credit card or personal loan debt, Higher-income earners seeking negotiated debt reduction without taking on a new loan
Commercial debt collection agency that recovers past-due B2B accounts using negotiation and legal strategies, listing provider-stated 95% success-rate claims to verify over 30+ years.
Google rating from 64 reviews
Profile signals: Small to mid-size businesses with past-due commercial accounts receivable they cannot collect internally, Construction companies and contractors with unpaid invoices from subcontractors or clients
Debtvantage offers debt settlement and relief programs with a 'no result, no fee' model, providing instant online quotes and negotiated balance reductions for credit card debt.
Google rating from 767 reviews
Profile signals: Consumers with $10,000-$100,000+ in unsecured credit card debt seeking quick preliminary assessment, Individuals preferring digital-first engagement and instant online quotes over phone consultations
Austin Habitat for Humanity builds affordable homes and provides housing counseling, home repair, and homebuyer education to families in Central Texas at no upfront cost.
Profile signals: Low-to-moderate income families seeking to build wealth through affordable homeownership with financial education and support, Homeowners needing critical repairs but unable to afford market-rate contractors for essential home maintenance
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Profile signals: Review this provider profile and compare source-linked details before choosing what to do next., Review this provider profile and compare source-linked details before choosing what to do next.
Foundation Communities' Prosper Center – South offers free financial counseling, tax preparation, health insurance navigation, and college planning to low-income Austin residents.
Profile signals: 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
Texas state agency that regulates non-bank financial services and provides free consumer education, complaint resolution, and helpline assistance to protect Texans' credit rights.
Profile signals: Texas residents seeking free information about credit rights and financial regulations, Consumers wanting to file formal complaints against regulated lenders in Texas
Report rent and bills to all 3 credit bureaus. Build credit from payments you already make. Starts at $2/month.
Profile signals: Building credit across all 3 bureaus from rent and bills, Budget-conscious credit builders ($2/month)
Credit Strong offers FDIC-backed credit-builder loans and revolving accounts that simultaneously build credit history and savings, reporting monthly to all three major bureaus.
Profile signals: Consumers with thin credit files or no credit history needing to establish a positive payment track record, People who want to build credit and accumulate savings at the same time
Credit-builder loans that help you build credit history while saving money. eligibility claim to verify. Reports to all 3 bureaus.
Profile signals: People with no credit comparing ways to build history from scratch, Consumers comparing savings-linked credit-building features
Self Financial helps consumers build credit and savings simultaneously through a credit builder loan that reports to all three major bureaus with eligibility claim to verify.
Profile signals: Consumers with no credit history who need to build a credit profile from scratch, People who want to build credit without taking on traditional revolving debt
Austin-area bankruptcy law office specializing in Chapter 7 and Chapter 13 filings across Central Texas counties. Offers flexible payment plans to help clients eliminate debt and avoid foreclosure.
Google rating from 100 reviews
Profile signals: Central Texas residents with unsecured debt seeking Chapter 7 discharge without immediate access to large legal fees, Homeowners or car owners in foreclosure or repossession facing creditor harassment
CDFI offering small-dollar loan alternatives, affordable housing financing, and community development lending in low-income Texas communities.
Profile signals: Mission-driven organizations seeking affordable housing financing for low-income communities, CLC franchisees needing capital expansion for their small-dollar loan operations
Texas Consumer Protections: Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.
Interest Rate Cap: Texas usury cap: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses.
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 Texas Attorney General Consumer Protection Division.
Use these guides with local pages, state rules, and provider profiles before contacting a company.
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