Baltimore, MD

Credit Repair & Financial Services in Baltimore

Review 73 credit repair companies, personal lenders, and financial services in Baltimore, Maryland. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Maryland avg credit score: 713 Median income: $98,461 Poverty rate: 9.1% Payday loans: Banned Maryland overview →

Featured Provider Profiles in Baltimore

73 companies
ClearOne Advantage logo

ClearOne Advantage

ClearOne Advantage is a Baltimore-based debt settlement company founded in 2008. BBB A+ accredited since November 2024. Fees 18-29% of enrolled debt. 4.8 Trustpilot stars. 120 CFPB complaints. 4.5 Google rating from 4,907 reviews.

4.5/5

Google rating from 4,907 reviews

BBB: A+

Profile signals: Consumers with $10,000+ in unsecured debt who are already behind on payments and in financial hardship, Those who have been declined for debt consolidation loans and cannot afford nonprofit DMP monthly payments

ACE Cash Express logo

ACE Cash Express

Baltimore, MD's ACE Cash Express at 407 W Baltimore St provides payday and title-loan profile details with convenient weekend and Friday evening hours.

BBB: NR

Profile signals: Consumers researching short-term cash access who prefer in-person service at physical locations, Vehicle owners seeking title-based loans as collateral for emergency cash

ACE Cash Express logo

ACE Cash Express

Baltimore's ACE Cash Express at 3046 Greenmount Ave provides payday and title loans with convenient hours in MD.

BBB: NR

Profile signals: Consumers researching short-term cash access for emergency expenses without access to traditional bank loans, Customers with vehicles who can use title loans as collateral for larger emergency amounts

Andela Financial Services logo

Andela Financial Services

Andela Financial Services offers small business loans, real estate financing, and credit repair through a network of 75+ lenders with rapid approval and funding.

BBB: NR

Profile signals: Self-employed and freelance business owners seeking loans based on bank statements rather than traditional tax returns, Real estate investors looking for fix-and-flip or hard money financing with quick closings

Annapolis First Mortgage LLC logo

Annapolis First Mortgage LLC

Annapolis First Mortgage LLC is a Maryland-based mortgage lender offering home purchase, refinance, and real estate services with a focus on local market experience context.

BBB: NR

Profile signals: Maryland borrowers seeking personalized service and local market experience context for home purchases or refinances, Homebuyers and refinancers who prefer relationship-based lending and direct contact with a named loan officer

Baltimore Community Lending logo

Baltimore Community Lending

Mission-driven CDFI offering affordable lending to small businesses, real estate developers, and underserved communities throughout Baltimore metro area.

BBB: NR

Profile signals: Small business owners in Baltimore metro unable to qualify for traditional bank financing, Real estate developers focused on affordable housing and neighborhood revitalization projects

Pawn Shops in Baltimore

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Cash USA logo

Cash USA

Cash USA is a Baltimore pawn shop buying and selling gold, silver, electronics, and collectibles with 25+ years in business. They offer short-term cash access loans against collateral and competitive pricing on used goods.

BBB: NR

Profile signals: Consumers researching short-term cash access against collateral (electronics, jewelry, gold/silver) with eligibility claims to verify, Budget shoppers seeking discounted used goods, particularly DVDs, video games, and audio equipment

Cash USA logo

Cash USA

Cash USA is a Baltimore-based pawn shop operating for over 25 years, buying and selling gold, silver, electronics, watches, and video games with a focus on competitive pricing.

BBB: NR

Profile signals: Baltimore-area residents seeking short-term cash access for used electronics, jewelry, or collectibles, Budget-conscious shoppers looking for discounted DVDs, video games, and used audio equipment

Catonsville Jewelry & Pawn logo

Catonsville Jewelry & Pawn

Catonsville Jewelry & Pawn operates a pawn shop in Baltimore, MD offering collateral-based loans against jewelry, gold, and other valuables with short-term cash access.

BBB: NR

Profile signals: Consumers researching short-term cash access in the Baltimore area with valuable jewelry or gold to pledge, Individuals seeking collateral-based loans with eligibility and income-verification claims to verify

Champion Pawn and Jewelry logo

Champion Pawn and Jewelry

Champion Pawn & Jewelry is a Baltimore-based pawn shop offering collateral loans, gold/jewelry buying, repairs, and resale merchandise since 1996.

BBB: NR

Profile signals: Customers with jewelry, electronics, or tools who are researching short-term cash access and cannot access traditional credit, People seeking to sell or pawn items quickly without credit approval

Easy Pawn logo

Easy Pawn

EZPAWN is a pawn shop at 2609 Murfreesboro Pike in Nashville, TN offering collateral-based loans, retail merchandise sales, and gold/jewelry buying services.

BBB: NR

Profile signals: Customers with valuable items (jewelry, electronics, firearms, tools) needing same-day cash without credit inquiry, Bargain hunters seeking 25-70% discounts on pre-owned brand-name electronics and merchandise

Famous Pawnbrokers logo

Famous Pawnbrokers

Famous Pawnbrokers is a pawn shop located in Baltimore, MD offering collateral-based loans and in-store shopping with accessible facilities.

BBB: NR

Profile signals: Baltimore residents needing quick collateral-based loans with minimal paperwork, Customers seeking accessible pawn services with wheelchair accommodations

Check Cashing & Money Services in Baltimore

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Check Cash Depot logo

Check Cash Depot

Check Cash Depot provides check cashing and financial services at their Baltimore location on South Broadway, operating extended hours seven days a week.

BBB: NR

Profile signals: Unbanked or underbanked Baltimore residents needing immediate check liquidity, Downtown Baltimore workers requiring weekend check-cashing access

Check Cash Depot logo

Check Cash Depot

Check Cash Depot offers check cashing and financial transaction services at their Baltimore location on South Broadway, operating extended hours six days a week.

BBB: NR

Profile signals: Unbanked individuals needing quick check conversion without a bank account, Workers with non-standard schedules requiring weekend or evening check cashing services

Check Cashing logo

Check Cashing

ACE Cash Express provides check cashing, money orders, bill payment, and money transfers at retail locations. No bank account required—only a valid government-issued ID.

BBB: NR

Profile signals: Unbanked consumers without a bank account who need immediate check cashing, Business owners needing business check-cashing timing claims to verify with cash on hand

GAW Check Cashing logo

GAW Check Cashing

GAW Check Cashing is a Baltimore-based check cashing service located at 225 N Eutaw St. Contact them at 410-528-8808 for check cashing and related financial services.

BBB: NR

Profile signals: Baltimore residents who need basic check cashing services in the downtown area, Customers seeking a local, established check cashing business with a physical location

Gold's Check Cashing logo

Gold's Check Cashing

Gold's Check Cashing is a Baltimore-based check cashing and cash advance service offering quick access to funds and financial transaction services.

BBB: NR

Profile signals: Unbanked or underbanked Baltimore residents needing check cashing without a bank account, Working customers requiring evening or weekend financial services

MoneyGram logo

MoneyGram

Baltimore's MoneyGram at 857 E Fort Ave offers check cashing and money transfer services 9AM-7PM daily.

BBB: NR

Profile signals: Individuals regularly sending money to family members domestically or internationally, Urban residents in Baltimore with multiple service points within walking distance

Free Help in Baltimore

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Belair - Edison Neighborhoods, Inc. logo

Belair - Edison Neighborhoods, Inc.

Community development nonprofit serving Baltimore's Belair-Edison neighborhood with housing guidance, business support, and neighborhood revitalization programs.

BBB: NR

Profile signals: Prospective homebuyers interested in Baltimore's Belair-Edison neighborhood, Local small business owners seeking community support and improvement grants

Comprehensive Housing Assistance, Inc logo

Comprehensive Housing Assistance, Inc

CHAI is a non-profit housing assistance organization based in Baltimore offering homeownership support and community housing programs.

BBB: NR

Profile signals: Baltimore-area residents seeking non-profit housing assistance, First-time homebuyers interested in free community-based guidance

Credit.Org - Maryland Branch logo

Credit.Org - Maryland Branch

Credit.Org is a HUD-approved nonprofit providing free credit counseling, debt relief, and housing guidance to consumers since 1974, with 5.2+ million counseling sessions completed.

BBB: NR

Profile signals: Homebuyers seeking free pre-purchase education and mortgage counseling before buying, Homeowners facing foreclosure or reverse mortgage decisions requiring HUD-certified guidance

Druid Heights Community Development Corp. logo

Druid Heights Community Development Corp.

Non-profit community development corporation offering HUD-approved housing counseling, financial planning, and re-entry support services in Baltimore since 1974.

BBB: NR

Profile signals: Baltimore-area residents seeking pre-purchase homebuying education and counseling, Homeowners at risk of foreclosure or default needing prevention counseling

Garwyn Oaks Northwest Housing Resource Center, Inc logo

Garwyn Oaks Northwest Housing Resource Center, Inc

HUD-approved nonprofit housing counselor in Baltimore offering free homebuyer education, foreclosure prevention, and personalized financial counseling for first-time buyers and homeowners.

BBB: NR

Profile signals: First-time homebuyers in Baltimore City preparing to purchase their first home, Baltimore homeowners facing foreclosure or mortgage delinquency seeking prevention strategies

Homefree-Usa Baltimore Branch logo

Homefree-Usa Baltimore Branch

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

BBB: NR

Profile signals: Baltimore-area residents seeking free housing counseling, First-time homebuyers needing HUD-approved pre-purchase education

Emergency Cash in Baltimore

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ACE Cash Express logo

ACE Cash Express

Baltimore, MD's ACE Cash Express at 407 W Baltimore St provides payday and title-loan profile details with convenient weekend and Friday evening hours.

BBB: NR

Profile signals: Consumers researching short-term cash access who prefer in-person service at physical locations, Vehicle owners seeking title-based loans as collateral for emergency cash

ACE Cash Express logo

ACE Cash Express

Baltimore's ACE Cash Express at 3046 Greenmount Ave provides payday and title loans with convenient hours in MD.

BBB: NR

Profile signals: Consumers researching short-term cash access for emergency expenses without access to traditional bank loans, Customers with vehicles who can use title loans as collateral for larger emergency amounts

Check City logo

Check City

Check City Baltimore, Maryland — Check City offers payday loans, installment loans, title loans, and financial services with provider-stated funding timing across 13+...

BBB: NR

Profile signals: Consumers with short-term cash needs ($100-$1,000) before payday with physical store access, Borrowers in Nevada or Utah who prefer face-to-face interactions for loan applications

Duke Payday Loans logo

Duke Payday Loans

Duke Payday Loans offers loans up to $5,000 for various purposes including auto, motorcycle, and boat financing across multiple states, with emphasis on accepting applicants with bad credit.

BBB: NR

Profile signals: Consumers with bad credit histories seeking larger loan amounts ($2K-$5K) for vehicle purchases or major expenses, Applicants rejected by traditional lenders or banks who need multi-state lending accessibility

Loan for Any Purpose logo

Loan for Any Purpose

Baltimore, MD's Loan for Any Purpose at 5151 Sinclair Lane offers payday and title-loan profile details with flexible terms for eligible residents.

BBB: NR

Profile signals: Detroit-area borrowers needing same-day cash under $1,000 with bad or no credit history, Vehicle owners seeking title loans up to $50,000 without a strict credit score requirement

Payday Loans Cash logo

Payday Loans Cash

Baltimore's Payday Loans Cash at 5000 Lawndale Ave operates extended hours for emergency short-term loans and cash advances.

BBB: NR

Profile signals: Phoenix-area residents needing $100-$1,000 in emergency cash within 1-2 business days, Borrowers with bad credit or no credit history who have been rejected by traditional lenders

Mortgages & Home Loans in Baltimore

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Annapolis First Mortgage LLC logo

Annapolis First Mortgage LLC

Annapolis First Mortgage LLC is a Maryland-based mortgage lender offering home purchase, refinance, and real estate services with a focus on local market experience context.

BBB: NR

Profile signals: Maryland borrowers seeking personalized service and local market experience context for home purchases or refinances, Homebuyers and refinancers who prefer relationship-based lending and direct contact with a named loan officer

Best Loan Choice logo

Best Loan Choice

Maryland-based mortgage lender offering home purchase and refinance loans across the Mid-Atlantic. Founded in 2014, they use wholesale rate shopping and a consultative approach to compare rate claims to verify.

BBB: NR

Profile signals: First-time homebuyers seeking down payment assistance programs and guidance context through the mortgage process, Self-employed borrowers and real estate investors needing non-traditional loan structures

Federal Hill Mortgage logo

Federal Hill Mortgage

Federal Hill Mortgage is a Maryland-based mortgage lender specializing in conventional, FHA, VA, USDA, jumbo, and investor loans, led by state-ranked loan officer Tammy Saul.

BBB: NR

Profile signals: Self-employed borrowers and business owners seeking creative financing solutions, Borrowers already under contract wanting to switch lenders for better rates or terms

Jeff Gunther logo

Jeff Gunther

Jeff Gunther is a loan officer at Primary Residential Mortgage in Baltimore, Maryland, specializing in home purchase, refinance, and investment property financing with NMLS certification.

BBB: NR

Profile signals: Baltimore-area homebuyers seeking personalized mortgage consultation, Existing homeowners interested in refinancing with a local loan officer

Legacy Settlement Services logo

Legacy Settlement Services

Title and settlement company facilitating residential and commercial property transactions across MD, DC, VA, PA, and FL with full closing services.

BBB: NR

Profile signals: Homebuyers and sellers completing residential property transactions in Maryland, DC, Virginia, Pennsylvania, or Florida, Commercial real estate investors and businesses handling property transfers in covered states

Pimlico Capital - Lending and Refinance in Inner Harbor logo

Pimlico Capital - Lending and Refinance in Inner Harbor

Hard money lender specializing in bridge loans and long-term rental financing for real estate investors with application-timing claims, limited-documentation claims to verify, and rate claims to verify.

BBB: NR

Profile signals: Real estate investors needing quick bridge financing for property flips or acquisitions, Portfolio landlords refinancing or purchasing rental properties with flexible documentation needs

Personal Loans in Baltimore

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Loan for Any Purpose logo

Loan for Any Purpose

Baltimore, MD's Loan for Any Purpose at 15 S Frederick St provides same-day personal loans to local borrowers.

BBB: NR

Profile signals: Detroit-area borrowers with bad or thin credit needing quick access to small-dollar loans, Vehicle owners seeking title-backed loans up to $50,000 without a prime credit score

Mariner Finance logo

Mariner Finance

Mariner Finance Baltimore, Maryland — Mariner Finance is a coast-to-coast personal loan lender with physical branch locations offering personal loans fo...

BBB: NR

Profile signals: Borrowers who prefer in-person lending relationships and community-based loan professionals, Customers seeking debt consolidation loans with established, long-operating financial institutions

Mariner Finance logo

Mariner Finance

Mariner Finance Baltimore, Maryland — Mariner Finance is a coast-to-coast personal loan lender with physical branch locations offering personal loans fo...

BBB: NR

Profile signals: Borrowers who prefer in-person consultations and relationship-based lending with local professionals, Consumers consolidating multiple debts who want to understand terms through face-to-face discussions before committing

OneMain Financial logo

OneMain Financial

7676 Belair Rd in Baltimore, MD is home to OneMain Financial, offering personal loans with weekday service.

BBB: NR

Profile signals: Borrowers with fair or poor credit seeking debt consolidation with fixed, predictable monthly payments, Consumers needing quick access to $1,500–$30,000 for emergency expenses, medical bills, or home/auto repairs

Business Loans in Baltimore

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Andela Financial Services logo

Andela Financial Services

Andela Financial Services offers small business loans, real estate financing, and credit repair through a network of 75+ lenders with rapid approval and funding.

BBB: NR

Profile signals: Self-employed and freelance business owners seeking loans based on bank statements rather than traditional tax returns, Real estate investors looking for fix-and-flip or hard money financing with quick closings

Baltimore Community Lending logo

Baltimore Community Lending

Mission-driven CDFI offering affordable lending to small businesses, real estate developers, and underserved communities throughout Baltimore metro area.

BBB: NR

Profile signals: Small business owners in Baltimore metro unable to qualify for traditional bank financing, Real estate developers focused on affordable housing and neighborhood revitalization projects

Pimlico Capital - Lending and Refinance logo

Pimlico Capital - Lending and Refinance

Direct hard money lender specializing in short-term bridge loans and long-term rental financing for real estate investors. Offers application-timing claims, flexible terms, and limited-documentation claims to verify.

BBB: NR

Profile signals: Experienced real estate investors and house flippers needing quick bridge financing, Investment property owners seeking cash-out refinancing or rental loan products

Banks in Baltimore

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Bayvanguard Bank logo

Bayvanguard Bank

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

BBB: NR

Profile signals: Local banking with personal service, Review this provider profile and compare source-linked details before choosing what to do next.

Homewood Federal Savings Bank logo

Homewood Federal Savings Bank

Community-focused federal savings bank serving Southeast Baltimore since the early 1920s, offering checking, savings, mortgages, and loans with online banking and mobile app access.

BBB: NR

Profile signals: Baltimore-area residents seeking personalized neighborhood banking with community accountability, Homebuyers and mortgage refinance customers in Southeast Baltimore wanting local loan guidance

Credit Unions in Baltimore

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Central Credit Union of Maryland logo

Central Credit Union of Maryland

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

BBB: NR

Profile signals: Members seeking lower fees and rate claims to verify, Community-focused banking customers

Securityplus logo

Securityplus

Securityplus Federal Credit Union is a Maryland-based not-for-profit credit union founded in 1938, offering member-owned financial services including loans, credit cards, and digital banking with lower rates and fewer fees.

BBB: NR

Profile signals: Maryland residents seeking lower-cost lending through a member-owned cooperative credit union model, Federal employees and Social Security beneficiaries with access to restricted SPFCU branch locations

Debt Relief in Baltimore

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ClearOne Advantage logo

ClearOne Advantage

ClearOne Advantage is a Baltimore-based debt settlement company founded in 2008. BBB A+ accredited since November 2024. Fees 18-29% of enrolled debt. 4.8 Trustpilot stars. 120 CFPB complaints. 4.5 Google rating from 4,907 reviews.

4.5/5

Google rating from 4,907 reviews

BBB: A+

Profile signals: Consumers with $10,000+ in unsecured debt who are already behind on payments and in financial hardship, Those who have been declined for debt consolidation loans and cannot afford nonprofit DMP monthly payments

Payday Alternatives in Baltimore

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Speed Cash Advance logo

Speed Cash Advance

Securityplus Federal Credit Union is a Maryland-based not-for-profit credit union founded in 1938 offering short-term cash access loans up to $500 with eligibility claim to verify.

BBB: NR

Profile signals: Existing Securityplus Federal Credit Union members needing small emergency loans under $500, Employed individuals with stable W-2 income and recent pay stubs seeking no-credit-check borrowing

Your Rights in Maryland

Maryland Consumer Protections: Maryland effectively bans payday lending through strict interest rate caps that make the business model impractical. The state has strong consumer protection laws including the Maryland Consumer Protection Act. Consumers can file complaints with the Commissioner of Financial Regulation or the Attorney General.

Interest Rate Cap: Maryland usury cap: 24% for consumer loans under $6,000 (33% for under $1,000); payday lending banned. Payday lending is banned in this state.

Key Regulations:
  • Payday lending is effectively banned through interest rate caps that make the business model unviable.
  • Consumer loans under $6,000 capped at 2% per month (24% APR); under $1,000 at 2.75% per month.
  • The Maryland Consumer Protection Act provides strong anti-high-cost lending protections.
  • Licensed consumer finance companies must comply with strict rate and disclosure requirements.

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 Maryland Attorney General Consumer Protection Division.

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