Compare 77 credit repair companies, personal lenders, and financial services in Austin, Texas. All independently reviewed with BBB ratings and pricing.
1st Franklin Financial is a personal installment loan lender offering $600–$15,000 loans for debt consolidation, home improvement, medical expenses, and life events.
Best for: 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 federal credit union offering checking, savings, auto loans, mortgages, and home equity products with a mobile-first approach and member-focused service model.
Best for: 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
EZPAWN's Cash Pawn location in Austin offers collateral-based loans, gold/jewelry buying, and discounted pre-owned merchandise. Get fast cash by pawning items or selling valuables.
Best for: Individuals with valuable items (electronics, jewelry, tools, instruments) needing immediate cash, Budget-conscious shoppers seeking 25-70% discounts on pre-owned brand-name merchandise
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.
Best for: 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
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.
Best for: Individuals with items of value (electronics, jewelry, tools, gaming equipment) who need immediate cash without credit checks, Customers seeking discounted pre-owned brand-name merchandise at 25-70% below retail prices
Austin, TX EZPAWN at 4714 S Congress Ave buys jewelry, electronics, and valuables with quick cash loans available on-site.
Best for: Consumers with valuable items needing immediate 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
Austin-based mortgage broker offering conventional, FHA, VA, jumbo, and specialized non-QM loans including self-employed, asset-depletion, and crypto-backed mortgages.
Best for: Self-employed individuals and business owners who lack traditional W2 income documentation, Cryptocurrency holders seeking mortgages without liquidating Bitcoin or Ethereum holdings
Max Leaman Austin Mortgage offers home purchase and refinance loans through LoanPeople, emphasizing competitive rates, low fees, and on-time closings since 2001.
Best for: Condo buyers in the Austin/Central Texas area seeking specialized financing, First-time homebuyers who value personalized customer service and education through the process
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 guarantee.
Best for: 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
Assurance Financial is a mortgage lender based in Austin, TX offering home purchase, refinance, construction, and home equity loans through local loan officers.
Best for: Texas homebuyers seeking personalized service and relationship-based lending in the Austin area, First-time home buyers who prefer guided hand-holding over self-service or online-only lenders
Austin Capital Mortgage is a Texas-based mortgage lender operating since 1996, offering home purchase loans, refinances, and specialized programs through 100+ lenders with 1-day pre-approval and 7-21 day closings.
Best for: 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.
Best for: Austin-area home buyers and refinancers seeking personalized service from an experienced local lender, Investment property buyers and rental owners needing specialized commercial/investment mortgage expertise
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.
Best for: 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.
Best for: 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
Texas DPS Credit Union is a not-for-profit federal credit union serving members since 1954, offering checking, savings, loans, and credit cards with competitive rates.
Best for: Individuals in the Austin, Texas area seeking relationship-based banking with competitive rates, Members eligible for membership (occupation or association-based) seeking a not-for-profit alternative to traditional banks
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.
Best for: 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
Travis County Credit Union is a federally insured credit union offering checking, savings, loans, and credit cards to eligible members in the Austin area.
Best for: 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
UFCU is a credit union offering banking services including checking, savings, and member access through multiple branch locations.
Best for: Members seeking traditional banking services through a member-owned cooperative, Customers preferring in-person banking relationships with local branch access
Austin-based hard money lender specializing in fix-and-flip and new construction loans for Texas real estate investors with 1-year terms and competitive rates.
Best for: 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.
Best for: Commercial real estate developers seeking construction or rehab financing for complex projects, Small business owners exploring SBA loan options with experienced guidance
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.
Best for: Real estate fix-and-flip investors seeking fast capital with flexible terms, Rental property investors needing DSCR loans or refinancing for investment portfolios
Texas-based hard money lender offering fast, flexible financing for real estate investors. Specializes in residential, commercial, and development projects with streamlined approval.
Best for: Real estate investors needing fast capital for time-sensitive acquisition or bridge financing, Property developers requiring flexible funding for commercial or residential development projects
Commercial mortgage broker specializing in no-tax-return loans for real estate investors across apartment, retail, hotel, and industrial properties nationwide.
Best for: 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.
Best for: 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)
EZPAWN's Cash Pawn location in Austin offers collateral-based loans, gold/jewelry buying, and discounted pre-owned merchandise. Get fast cash by pawning items or selling valuables.
Best for: Individuals with valuable items (electronics, jewelry, tools, instruments) needing immediate cash, 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.
Best for: Individuals with items of value (electronics, jewelry, tools, gaming equipment) who need immediate cash without credit checks, Customers seeking discounted pre-owned brand-name merchandise at 25-70% below retail prices
Austin, TX EZPAWN at 4714 S Congress Ave buys jewelry, electronics, and valuables with quick cash loans available on-site.
Best for: Consumers with valuable items needing immediate 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
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.
Best for: 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
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.
Best for: Individuals liquidating inherited diamonds seeking professional, confidential evaluation, People navigating divorce settlements requiring private diamond appraisal and sale
Austin Rare Coins & Bullion buys and sells precious metals, rare coins, and ancient numismatic collectibles with real-time spot price tracking.
Best for: Precious metals investors seeking to buy bullion coins and bars with live price tracking, Coin collectors interested in rare, graded, and ancient numismatic pieces
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.
Best for: Borrowers with poor credit scores who need fast emergency cash and cannot qualify for traditional personal loans, Salaried employees facing unexpected expenses who can repay a small loan by their next paycheck
Online title loan lender offering $1,000–$20,000 secured loans using vehicle equity as collateral, with same-day to next-day funding via direct deposit.
Best for: Borrowers with vehicle equity who need emergency cash and have exhausted lower-cost alternatives, Self-employed or gig workers with poor credit who cannot qualify for traditional personal loans
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 ...
Best for: 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 no credit checks required for qualification.
Best for: Borrowers with poor credit or no credit history who need emergency cash quickly, Vehicle owners facing immediate financial emergencies who can leverage title equity
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.
Best for: Borrowers with bad credit or no credit history who cannot qualify for traditional auto financing, Individuals prioritizing quick approval 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.
Best for: Borrowers with poor or limited credit history facing immediate financial emergencies who cannot qualify for traditional bank loans, 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.
Best for: Consumers needing $600–$15,000 for debt consolidation or unexpected expenses, Borrowers with limited credit history or non-prime credit seeking installment loans
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Best for: Consumers in Austin, Texas looking for personal lending services, People who prefer working with a local personal lending provider
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.
Best for: 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
Republic Finance offers personal loans, bill consolidation, and auto-secured loans with flexible terms. Established lender operating 260+ branches across the US since 1952.
Best for: 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
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.
Best for: 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.
Best for: Borrowers needing $1,000-$5,000 quickly for unexpected expenses, Those with fair to poor credit seeking access to multiple lender options
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.
Best for: 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
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.
Best for: 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.
Best for: 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 specialist for higher-income earners with $30K–$300K+ in credit card and personal loan debt, claiming A+ BBB rating with zero complaints.
Best for: 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 specialist for higher-income earners with $30K–$300K+ in credit card and personal loan debt. Veteran-owned with 20+ years of experience.
Best for: 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, claiming 95% success rates over 30+ years.
Best for: 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
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.
Best for: 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
SouthStar Bank is a Texas-based community bank serving the state since 1920, offering personal and commercial banking with locally-made loan decisions.
Best for: 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
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.
Best for: Security-conscious savers seeking biometric authentication and advanced fraud protection for emergency funds, Customers building emergency reserves (3-9 months expenses) through automated recurring deposits
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.
Best for: 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.
Best for: 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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Best for: 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 help clients improve credit scores.
Best for: 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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Best for: 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.
Best for: 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.
Best for: 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
Report rent and bills to all 3 credit bureaus. Build credit from payments you already make. Starts at $2/month.
Best for: 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.
Best for: 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. No credit check required. Reports to all 3 bureaus.
Best for: People with no credit who need to build history from scratch, Anyone who wants to save money while building credit simultaneously
Self Financial helps consumers build credit and savings simultaneously through a credit builder loan that reports to all three major bureaus with no credit check required.
Best for: 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 Habitat for Humanity builds affordable homes and provides housing counseling, home repair, and homebuyer education to families in Central Texas at no upfront cost.
Best for: 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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Best for: Free housing counseling, Foreclosure prevention
AAA CHECK CASHING offers check cashing services with competitive processing fees. The company emphasizes low-cost transactions and easy money access.
Best for: Consumers seeking quick check cashing with emphasis on low fees, People without traditional bank accounts looking for check conversion services
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.
Best for: 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
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.
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