Bakersfield, CA

Credit Repair & Financial Services in Bakersfield

Review 48 credit repair companies, personal lenders, and financial services in Bakersfield, California. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

California avg credit score: 716 Median income: $91,905 Poverty rate: 11% Payday loans: Legal California overview →

Featured Provider Profiles in Bakersfield

48 companies
5 Star Car Title Loans logo

5 Star Car Title Loans

Bakersfield, CA's 5 Star Car Title Loans at 9356 Shellabarger Rd offers car-title-loan profile details and cash advances.

BBB: NR

Profile signals: Vehicle owners with short-term cash needs and poor or no credit history, Borrowers who need $5,000+ and cannot qualify for personal loans or payday loans

5 Star Car Title Loans logo

5 Star Car Title Loans

Bakersfield's 5 Star Car Title Loans at 4313 Rosedale Hwy offers title loans Mon–Sat with provider-stated funding timing available.

BBB: NR

Profile signals: Vehicle owners with short-term cash needs and sufficient equity in their vehicle, Borrowers unable to qualify for traditional personal loans due to credit challenges

ACE Cash Express logo

ACE Cash Express

Bakersfield, CA ACE Cash Express at 2707 S H Street offers payday-loan profile details, cash advances, and title loans to residents.

BBB: NR

Profile signals: Consumers seeking emergency-cash timing to verify in states where ACE operates, Customers who prefer in-person financial transactions at physical store locations

ACE Cash Express logo

ACE Cash Express

At 2011 Union Ave in Bakersfield, CA, ACE Cash Express offers payday and title-loan profile details with convenient weekend access.

BBB: NR

Profile signals: Consumers needing immediate emergency cash with listed funding timing, Unbanked or underbanked individuals in need of check cashing or bill payment services

Advance America logo

Advance America

Advance America in Bakersfield, CA at 2600 Oswell St provides payday and title loans.

BBB: NR

Profile signals: Consumers with poor or no credit who are researching emergency-cash timing and have no lower-cost alternatives, Unbanked or underbanked adults who may not meet traditional bank-loan criteria or credit cards

Advance America logo

Advance America

Bakersfield, CA's Advance America at 3811 Ming Ave offers payday and title loans Mon-Fri 10AM-6PM, Sat 9AM-1PM.

BBB: NR

Profile signals: Workers facing unexpected emergencies (car repair, medical expense, eviction notice) with 1–2 weeks until next paycheck, Vehicle owners with poor or no credit history who need cash quickly and cannot qualify for unsecured personal loans

Emergency Cash in Bakersfield

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5 Star Car Title Loans logo

5 Star Car Title Loans

Bakersfield, CA's 5 Star Car Title Loans at 9356 Shellabarger Rd offers car-title-loan profile details and cash advances.

BBB: NR

Profile signals: Vehicle owners with short-term cash needs and poor or no credit history, Borrowers who need $5,000+ and cannot qualify for personal loans or payday loans

5 Star Car Title Loans logo

5 Star Car Title Loans

Bakersfield's 5 Star Car Title Loans at 4313 Rosedale Hwy offers title loans Mon–Sat with provider-stated funding timing available.

BBB: NR

Profile signals: Vehicle owners with short-term cash needs and sufficient equity in their vehicle, Borrowers unable to qualify for traditional personal loans due to credit challenges

ACE Cash Express logo

ACE Cash Express

Bakersfield, CA ACE Cash Express at 2707 S H Street offers payday-loan profile details, cash advances, and title loans to residents.

BBB: NR

Profile signals: Consumers seeking emergency-cash timing to verify in states where ACE operates, Customers who prefer in-person financial transactions at physical store locations

ACE Cash Express logo

ACE Cash Express

At 2011 Union Ave in Bakersfield, CA, ACE Cash Express offers payday and title-loan profile details with convenient weekend access.

BBB: NR

Profile signals: Consumers needing immediate emergency cash with listed funding timing, Unbanked or underbanked individuals in need of check cashing or bill payment services

Advance America logo

Advance America

Advance America in Bakersfield, CA at 2600 Oswell St provides payday and title loans.

BBB: NR

Profile signals: Consumers with poor or no credit who are researching emergency-cash timing and have no lower-cost alternatives, Unbanked or underbanked adults who may not meet traditional bank-loan criteria or credit cards

Advance America logo

Advance America

Bakersfield, CA's Advance America at 3811 Ming Ave offers payday and title loans Mon-Fri 10AM-6PM, Sat 9AM-1PM.

BBB: NR

Profile signals: Workers facing unexpected emergencies (car repair, medical expense, eviction notice) with 1–2 weeks until next paycheck, Vehicle owners with poor or no credit history who need cash quickly and cannot qualify for unsecured personal loans

Check Cashing & Money Services in Bakersfield

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DolEx Dollar Express logo

DolEx Dollar Express

Bakersfield, CA's DolEx Dollar Express at 2221 Niles Point offers check-cashing and financial services.

BBB: NR

Profile signals: Unbanked consumers needing to cash checks without a bank account, Consumers sending domestic or international wire transfers

Money Mart logo

Money Mart

Money Mart is a financial services retailer offering check cashing, cash advance loans ($50–$255), MoneyGram transfers, money orders, and prepaid cards at retail locations across multiple states.

BBB: NR

Profile signals: Consumers in AK, AZ, CA, LA, or FL who are researching emergency-cash timing and lack access to traditional bank loans, Unbanked individuals who need check cashing services and lack conventional bank accounts

MoneyGram logo

MoneyGram

Bakersfield, CA's MoneyGram at 2309 Niles Point offers money transfer and check-cashing services daily from 7AM to 11PM.

BBB: NR

Profile signals: Consumers needing occasional domestic money transfers with flexible pickup options, International money senders in areas without traditional bank access

MoneyGram logo

MoneyGram

Bakersfield MoneyGram at 3737 Columbus St, CA provides check cashing and money transfers with convenient extended hours.

BBB: NR

Profile signals: Consumers seeking convenient money transfers through familiar retail chains like Walmart, International remittance senders making regular transfers to family abroad

Orlandi Valuta logo

Orlandi Valuta

Bakersfield, CA's Orlandi Valuta at La Flor Mercado offers check cashing and currency exchange services.

BBB: NR

Profile signals: Spanish-speaking and multilingual immigrants sending remittances to family abroad, Unbanked and underbanked consumers needing check cashing and wire transfer services in underserved communities

Orlandi Valuta logo

Orlandi Valuta

Bakersfield, CA's Orlandi Valuta check-cashing store at Five Star Market offers fast currency exchange and check-cashing services open daily 6AM–10PM.

BBB: NR

Profile signals: Spanish-speaking and immigrant communities seeking familiar service locations, International money senders and receivers relying on Western Union's global network

Pawn Shops in Bakersfield

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Bakersfield's Best Pawn logo

Bakersfield's Best Pawn

Family-owned pawn shop in Bakersfield specializing in collateral loans and gold/jewelry buying with 20 years of community service.

BBB: NR

Profile signals: Individuals who are researching short-term cash access and have valuable items (gold, jewelry, electronics) to pledge as collateral, People with poor or no credit who may not meet traditional personal-loan criteria

Globe Loan Jewelry Co. logo

Globe Loan Jewelry Co.

Bakersfield-based pawn shop established in 1966 offering collateral-based loans on jewelry, tools, electronics, and sporting goods with state-regulated rates.

BBB: NR

Profile signals: Working families with short-term cash needs for essential expenses who have eligible collateral, Customers with jewelry or tools they don't immediately need who can redeem items within 4 months

Gold & Silver Trading Co logo

Gold & Silver Trading Co

Gold & Silver Trading Co operates three pawn shop locations in Bakersfield, CA, offering short-term cash access loans, buying, selling, and trading of jewelry, electronics, musical instruments, and collectibles with eligibility claims to verify.

BBB: NR

Profile signals: Customers researching short-term cash access ($100-$5K+) who own valuable items they can temporarily part with, Individuals with poor or no credit history unable to qualify for traditional loans

Gold & Silver Trading Co logo

Gold & Silver Trading Co

Gold & Silver Trading Co operates three pawn shop locations in Bakersfield, offering collateral-based loans, buying, and selling of jewelry, electronics, musical instruments, and luxury goods with eligibility claims to verify.

BBB: NR

Profile signals: Consumers with valuable items (jewelry, electronics, instruments) researching short-term cash access with eligibility claims to verify, Individuals seeking to sell or trade unwanted luxury goods, rare coins, or collectibles for quick payment

Gold & Silver Trading Co logo

Gold & Silver Trading Co

Multi-location pawn shop in Bakersfield offering fast collateral-based loans, buying, selling, and trading of jewelry, electronics, musical instruments, and luxury goods with eligibility claims to verify.

BBB: NR

Profile signals: Individuals with poor credit needing short-term cash without bank approval, People seeking to sell or trade unwanted jewelry, electronics, or collectibles for short-term cash access

M.A. Griffin & Sons Pawn Shop logo

M.A. Griffin & Sons Pawn Shop

M.A. Griffin & Sons Pawn Shop in Bakersfield, CA offers collateral-based loans, jewelry, electronics, and used vintage items with a focus on friendly customer service.

BBB: NR

Profile signals: Consumers seeking quick collateral-based loans in Bakersfield with preference for personalized service, Buyers searching for used electronics, jewelry, gaming equipment, or vintage items

Credit Unions in Bakersfield

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Bakersfield City Employees logo

Bakersfield City Employees

Peake Federal Credit Union (formerly Baltimore County Credit Union) is a member-owned credit union serving Maryland residents with checking, savings, loans, and credit card products.

BBB: NR

Profile signals: Maryland residents seeking competitive auto loan and mortgage rates through a member-owned institution, Long-term banking customers valuing personalized relationship banking and community connection

Espeeco logo

Espeeco

Espeeco Federal Credit Union is a member-owned credit union in Bakersfield, CA offering checking, savings, certificates of deposit, and personal loans with rate claims to verify.

BBB: NR

Profile signals: Bakersfield, CA residents seeking personalized member-owned credit union services, Consumers wanting to support a local, community-focused financial institution

Strata logo

Strata

Member-owned credit union serving Kern County, California for 75 years, offering checking, savings, loans, mortgages, and investment services to local communities.

BBB: NR

Profile signals: Kern County residents seeking personalized banking with emphasis on community relationships and local reinvestment, Small business owners and organizations requiring business lending and treasury account services

Valley Strong logo

Valley Strong

California-based credit union serving 350K+ members with $4B+ in assets, offering personal and business banking, loans, mortgages, and investment services.

BBB: NR

Profile signals: California residents seeking a stable credit union with strong dividend returns and member-focused lending, Small business owners in California needing comprehensive business banking and loan products

Banks in Bakersfield

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Ganas Auto - Bakersfield logo

Ganas Auto - Bakersfield

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

BBB: NR

Profile signals: Consumers seeking FDIC-insured accounts, People needing everyday banking services

Mission Bank logo

Mission Bank

FDIC-insured community bank offering business accounts, SBA lending, commercial loans, and 1031 exchange facilitation services.

BBB: NR

Profile signals: Small business owners seeking SBA loans and commercial financing, Real estate investors conducting 1031 tax-deferred property exchanges

Free Help in Bakersfield

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American Consumer Credit Counseling, Inc. logo

American Consumer Credit Counseling, Inc.

American Consumer Credit Counseling, Inc. Bakersfield, California — American Consumer Credit Counseling (ACCC) offers free consultations, debt managemen...

BBB: NR

Profile signals: Consumers with $1,000–$100,000+ in credit card debt seeking a structured repayment plan without new loans, People who have fallen behind on payments and are exploring alternatives to bankruptcy

Personal Loans in Bakersfield

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Oportun logo

Oportun

Oportun Bakersfield, California — Oportun is a consumer lender offering personal and secured installment loans through physical branch locations, built ...

BBB: NR

Profile signals: Unbanked or underbanked borrowers who prefer or require cash-based repayment, Spanish-speaking consumers seeking bilingual loan service at a physical branch

Your Rights in California

California Consumer Protections: California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.

Interest Rate Cap: California usury cap: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100.

Key Regulations:
  • Payday loans capped at $300 with maximum fee of $15 per $100 (459% APR equivalent).
  • The California Consumer Financial Protection Law grants DFPI broad enforcement authority.
  • Licensed finance lenders under the California Financing Law can charge rates above usury for loans under $10,000.
  • AB 539 (2020) caps APR at 36% plus federal funds rate for loans $2,500-$10,000.

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 California Attorney General Consumer Protection.

Research Service Guides

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

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