Brooklyn, NY

Credit Repair & Financial Services in Brooklyn

Review 106 credit repair companies, personal lenders, and financial services in Brooklyn, New York. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Check Cashing & Money Services (24) Pawn Shops (21) Credit Repair (12) Free Help (10)

New York avg credit score: 710 Median income: $75,910 Poverty rate: 12.7% Payday loans: Banned New York overview →

Featured Provider Profiles in Brooklyn

106 companies

Credit Counseling New York - Credit Repair | Fix My Credit

Brooklyn-based credit repair firm offering dispute resolution, credit report analysis, and score improvement strategies. Licensed professionals work to remove errors and negative items from credit reports.

5.0/5

Google rating from 11 reviews

BBB: NR

Profile signals: Brooklyn and New York residents with inaccurate negative items on their credit reports seeking professional dispute assistance, Consumers with moderate credit damage (multiple errors or unfair listings) who want guided improvement strategies

Credit Repair Advisors

Brooklyn-based law firm specializing in bankruptcy, debt collection defense, and credit repair with 20 years of experience representing clients nationwide.

5.0/5

Google rating from 2 reviews

BBB: NR

Profile signals: Consumers facing active debt collection lawsuits or wage garnishment seeking legal defense, Identity theft victims with fraudulent accounts or inquiries appearing on credit reports

Credit Repair Experts

Credit Repair Experts disputes inaccurate negative items on credit reports across the three major bureaus. They offer free consultations and guide clients through FCRA-compliant credit restoration.

5.0/5

Google rating from 61 reviews

BBB: NR

Profile signals: NYC-area residents with collections, late payments, or negative items on credit reports seeking dispute assistance, Consumers planning home or auto purchases who need credit-score context to review before applying for loans

Credit Repair Solutions

Super Lawyers is a lawyer directory and referral platform listing vetted credit repair and bankruptcy attorneys in Brooklyn, NY and nationwide, not a credit repair company itself.

5.0/5

Google rating from 8 reviews

BBB: NR

Profile signals: Consumers seeking legal representation for credit disputes who want vetted attorney referrals, Brooklyn, NY residents with credit report errors or identity theft requiring attorney assistance

David I. Pankin, P.C.

Brooklyn-based bankruptcy and foreclosure law firm with 28+ years experience representing over 15,000 clients across New York Metro area in debt relief and consumer protection matters.

5.0/5

Google rating from 220 reviews

BBB: NR

Profile signals: New York Metro residents facing foreclosure or significant unsecured debt seeking formal bankruptcy protection, Individuals who have been rejected by other bankruptcy attorneys and need a second legal opinion

Law Office of Gregory Messer

Brooklyn-based bankruptcy law firm specializing in Chapter 7, 11, and 13 filings, led by Gregory Messer with 45 years of experience and board certification since 1995.

5.0/5

Google rating from 49 reviews

BBB: NR

Profile signals: NYC residents (five boroughs) facing Chapter 7 or Chapter 13 bankruptcy with complex circumstances requiring personalized strategy, Business owners in the NYC area considering Chapter 11 reorganization

Check Cashing & Money Services in Brooklyn

AMB Check Cashing Corporation

AMB Check Cashing Corporation offers check cashing, money orders, and related financial services at their Brooklyn location with extended weekday hours.

BBB: NR

Profile signals: Unbanked or underbanked consumers without traditional bank accounts, Williamsburg residents needing quick check-cashing service

Argo Check Cashing Corporation

Argo Check Cashing Corporation offers check cashing and financial services at a single Brooklyn location. Open weekdays 8am-6pm with phone support available.

BBB: NR

Profile signals: Unbanked and underbanked Brooklyn residents without bank accounts, Workers needing weekday check cashing during standard business hours

Broadway Financial

Broadway Financial is a check-cashing and cash advance service located in Williamsburg, Brooklyn, offering quick access to funds through check cashing, money orders, and wire transfers.

BBB: NR

Profile signals: Unbanked and underbanked individuals without traditional bank accounts, Immigrants and international workers needing wire transfer services

CFSC Checks Cashed Broadway

CFSC Broadway offers 24-hour check cashing, money transfers, bill payments, and prepaid cards without requiring a bank account or credit check.

BBB: NR

Profile signals: Unbanked or underbanked consumers who need immediate check cashing without a bank account, Night-shift workers and individuals who need financial services outside standard business hours

CFSC Checks Cashed Flatbush

CFSC Checks Cashed Flatbush is a check-cashing and financial services location in Brooklyn offering no-bank-account check cashing, money transfers, bill pay, and prepaid cards with extended hours.

BBB: NR

Profile signals: Unbanked and underbanked consumers without access to traditional checking accounts, Immigrant communities and Spanish-speaking customers needing multilingual financial services

CFSC Checks Cashed Fort Hamilton

CFSC Fort Hamilton offers check cashing, money orders, bill pay, and prepaid debit cards in Brooklyn. Open 6:30am–9pm weekdays with no bank account required.

BBB: NR

Profile signals: Unbanked and underbanked workers without traditional bank accounts, Immigrants and international travelers needing money transfers and currency exchange

View all 24 Check Cashing & Money Services providers in Brooklyn →

Pawn Shops in Brooklyn

Downtown Pawn Shop

Downtown Pawnshop Inc. is a Brooklyn-based pawn shop specializing in gold, platinum, diamonds, and watches. They offer free quotes and authentication services for collateral-based loans.

4.3/5

Google rating from 60 reviews

BBB: NR

Profile signals: Brooklyn residents researching short-term cash access in exchange for jewelry or precious metals, People with gold, platinum, or diamond items seeking quick, listed valuation

A-1 Pawn Brokers

A-1 Pawn Brokers offers collateral-based loans and direct purchases of valuables including gold, silver, diamonds, and watches with 35+ years of experience.

BBB: NR

Profile signals: Consumers with poor or no credit history who are researching short-term cash access and may not meet traditional loan criteria, Individuals with valuable items (jewelry, watches, coins) they're willing to pledge short-term for liquidity

A.S. & Sons Pawn Shop

Family-owned pawn and jewelry shop with 30+ years experience offering collateral loans, jewelry sales, watch trading, and community charity programs.

BBB: NR

Profile signals: Local community members in their service area seeking quick collateral-based cash loans, Jewelry, watch, or precious metals sellers looking for immediate buyout or trade options

C & H Pawn Brokers

C & H Pawn Shop is a pawn broker located in Brooklyn, NY offering collateral-based loans and personal finance services at 181 Knickerbocker Ave.

BBB: NR

Profile signals: Consumers in Brooklyn researching short-term cash access and willing to pledge collateral, Individuals with poor or no credit history seeking loans with eligibility claims to verify

East Pawn Broker Inc

East Pawn Broker is an established pawn shop in Brooklyn's Brownsville neighborhood offering collateral-based loans and the sale of firearms, jewelry, and other merchandise.

BBB: NR

Profile signals: Local Brownsville and Brooklyn residents researching short-term cash access with collateral, Customers seeking to buy or sell firearms and ammunition locally

EZ Pawn Corp

EZ Pawn Corp Brooklyn, New York — Family-owned pawnbroker with 17 NYC locations offering collateral-based loans, jewelry appraisals, and retail sales si...

BBB: NR

Profile signals: Individuals researching short-term cash access and possessing valuable items (jewelry, electronics, instruments) they can temporarily part with, Active duty military and dependents seeking loans below standard 48% APR rates via Military Lending Act compliance

View all 21 Pawn Shops providers in Brooklyn →

Credit Repair in Brooklyn

Credit Counseling New York - Credit Repair | Fix My Credit

Brooklyn-based credit repair firm offering dispute resolution, credit report analysis, and score improvement strategies. Licensed professionals work to remove errors and negative items from credit reports.

5.0/5

Google rating from 11 reviews

BBB: NR

Profile signals: Brooklyn and New York residents with inaccurate negative items on their credit reports seeking professional dispute assistance, Consumers with moderate credit damage (multiple errors or unfair listings) who want guided improvement strategies

Credit Repair Experts

Credit Repair Experts disputes inaccurate negative items on credit reports across the three major bureaus. They offer free consultations and guide clients through FCRA-compliant credit restoration.

5.0/5

Google rating from 61 reviews

BBB: NR

Profile signals: NYC-area residents with collections, late payments, or negative items on credit reports seeking dispute assistance, Consumers planning home or auto purchases who need credit-score context to review before applying for loans

Credit Repair Solutions

Super Lawyers is a lawyer directory and referral platform listing vetted credit repair and bankruptcy attorneys in Brooklyn, NY and nationwide, not a credit repair company itself.

5.0/5

Google rating from 8 reviews

BBB: NR

Profile signals: Consumers seeking legal representation for credit disputes who want vetted attorney referrals, Brooklyn, NY residents with credit report errors or identity theft requiring attorney assistance

SHAAWINS CREDIT REPAIR | "Fix Yo Credit"!

Shaawins Credit Repair offers credit dispute and repair services to help clients identify and challenge inaccuracies on credit reports. Based in Brooklyn, NY, they provide personalized credit solutions with listed processes.

5.0/5

Google rating from 21 reviews

BBB: NR

Profile signals: Consumers with errors or inaccuracies on credit reports who need professional dispute assistance, Individuals seeking bundled credit improvement services (repair + counseling + monitoring) in one provider

The Credit Repair

Credit repair company serving NYC tri-state area that disputes inaccurate items on credit reports and offers lending assistance for major purchases.

5.0/5

Google rating from 6 reviews

BBB: NR

Profile signals: NYC tri-state residents with inaccurate negative items on credit reports seeking professional dispute assistance, Consumers planning major purchases (home or auto) who need credit repair before applying for financing

You Need Great Credit

Brooklyn-based credit repair service focused on reported-item disputes and credit-score context to review. Staff praised for professionalism and quick response times.

4.9/5

Google rating from 56 reviews

BBB: NR

Profile signals: Consumers in the Brooklyn/New York area seeking in-person credit repair assistance, Individuals with derogatory marks or negative accounts looking for professional dispute support

View all 12 Credit Repair providers in Brooklyn →

Free Help in Brooklyn

Approved Credit Consulting

Non-profit bankruptcy credit counseling provider offering court-mandated pre- and post-filing courses required under BAPCPA for Chapter 7 and 13 filers.

BBB: NR

Profile signals: Individuals who have decided to file Chapter 7 or Chapter 13 bankruptcy and need to satisfy the legal pre-filing counseling requirement, Married couples filing jointly seeking affordable, flexible online bankruptcy education

Brooklyn Neighborhood Improvement Association

HUD-certified nonprofit housing counselor serving Central Brooklyn since 1980, offering free foreclosure prevention, loan modification, and tenant advocacy services.

BBB: NR

Profile signals: Brooklyn homeowners facing foreclosure or struggling with mortgage payments seeking free HUD-certified counseling, Tenants seeking eviction prevention support and tenant rights advocacy in Central Brooklyn neighborhoods

CAMBA Inc

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

BBB: NR

Profile signals: Consumers seeking non-profit credit counseling if organization can be verified through direct contact, Individuals needing HUD-approved housing counseling (if certified—unverified)

Community Organization of Southern Brooklyn

Non-profit housing counseling collaborative serving Southern Brooklyn since 2011, offering free mortgage, financial, and foreclosure prevention services through three partner organizations.

BBB: NR

Profile signals: Brooklyn renters struggling with monthly rent affordability and seeking subsidy programs, First-time homebuyers in Southern Brooklyn needing mortgage education and qualification guidance

Cypress Hills Local Development Corporation Chldc

Cypress Hills LDC is a Brooklyn-based nonprofit providing free career, education, housing counseling, youth programs, and community organizing services to East New York residents.

BBB: NR

Profile signals: Brooklyn East New York families seeking free after-school and summer enrichment programs for children, High school and college students from the area needing college access and persistence support

FICOfinesse

FICOfinesse is a credit counseling service located in Brooklyn, New York, offering non-profit financial guidance to help consumers understand and improve their credit.

BBB: NR

Profile signals: Brooklyn-based consumers seeking in-person credit counseling, Individuals overwhelmed by online credit information seeking vetted guidance

View all 10 Free Help providers in Brooklyn →

ATMs & Cash Access in Brooklyn

ATM Gristedes 544

Coinstar kiosk located at Gristedes grocery store offering coin-to-cash conversion, cryptocurrency purchases, eGift card exchanges, and digital money transfer services.

BBB: NR

Profile signals: Consumers with accumulated coins seeking short-term cash access conversion during grocery shopping trips, Early cryptocurrency adopters wanting accessible on-ramp to digital assets without traditional banking infrastructure

Bank of America ATM

Bank of America Walk-Up ATM located at 130 Fulton Street in New York, NY. Offers 24-hour cardless ATM access with multilingual support and deposit capabilities.

BBB: NR

Profile signals: Bank of America customers needing 24-hour cash access in Lower Manhattan, Business professionals working in the Financial District seeking convenient ATM services

Bitcoin ATM by CoinBTM

Bitcoin ATM by CoinBTM operates a cryptocurrency cash access point located in Brooklyn, NY, enabling users to buy and sell Bitcoin at a physical kiosk location.

BBB: NR

Profile signals: Cryptocurrency enthusiasts seeking immediate physical access to Bitcoin without online exchanges, Unbanked or underbanked individuals wanting to enter cryptocurrency markets with cash

Cardtronics ATM

Cardtronics operates ATM machines providing cash withdrawal access at retail locations. Located at 227 Nassau Ave in Brooklyn, NY.

BBB: NR

Profile signals: Consumers researching short-term cash access in the Williamsburg, Brooklyn area, Individuals preferring to avoid bank branch visits for routine cash withdrawals

Cardtronics ATM

Cardtronics operates an ATM located at 227 Nassau Ave in Brooklyn, NY, providing cash withdrawal and access services to the local community.

BBB: NR

Profile signals: Consumers in the Williamsburg/Greenpoint Brooklyn area needing convenient cash access, Bank customers with partnered institutions seeking out-of-network ATM options

Chase ATM

Brooklyn, NY - Chase ATM at 4 MetroTech Center offers short-term cash access withdrawals for Chase account holders.

BBB: NR

Profile signals: Chase Bank checking and savings account customers seeking nearby cash access, Frequent travelers needing international Chase-compatible ATM locations

View all 8 ATMs & Cash Access providers in Brooklyn →

Business Loans in Brooklyn

Lending Valley, Inc.

Lending Valley is a business funding marketplace offering merchant cash advances, SBA loans, and working capital with provider-stated same-day approval timing and funding up to $500K.

5.0/5

Google rating from 104 reviews

BBB: NR

Profile signals: Small business owners with consistent credit card revenue who need capital within days rather than weeks, Entrepreneurs with limited assets or credit history who don't qualify for traditional bank SBA loans

Express Capital Financing

Express Capital Financing is a nationwide hard money lender specializing in commercial real estate loans for fix-and-flip projects, DSCR loans, and construction financing from $150K to $10M.

4.9/5

Google rating from 154 reviews

BBB: NR

Profile signals: Real estate investors and house flippers seeking short-term bridge or fix-and-flip financing, Commercial property developers and multi-family operators needing construction or acquisition loans

Brooklyn Bridge Capital

Private hard money lender in NY-NJ offering bridge loans, construction financing, and commercial real estate debt solutions with 24-hour term sheets and 5-7 day closings.

4.8/5

Google rating from 20 reviews

BBB: NR

Profile signals: Real estate investors with commercial properties needing fast bridge or construction financing, Property owners facing foreclosure seeking rapid bailout capital

Morgan Cash

Morgan Cash provides merchant cash advances and flexible business funding to small-to-medium enterprises, emphasizing published application timing and accessibility for businesses that may not qualify for traditional bank loans.

4.8/5

Google rating from 526 reviews

BBB: NR

Profile signals: Small business owners with damaged credit who may not meet traditional bank-loan criteria, Businesses with steady sales volume that can accommodate percentage-of-sales repayment structure

BOC Capital Corporation

BOC Capital Corp. is a community development financial institution offering SBA-backed microloans and term loans up to $500K, plus advisory services for small business owners.

BBB: NR

Profile signals: NYC-area small business owners with government contracts needing fast, low-cost mobilization financing, Start-up founders and micro-business owners needing under $50K and willing to engage in business coaching

Brooklyn Bridge Capital

Private hard money lender specializing in commercial real estate bridge loans, construction financing, and foreclosure bailouts across NY-NJ metro area with 24-hour term sheets.

BBB: NR

Profile signals: Commercial real estate investors and developers needing bridge financing during property transitions, Property owners facing foreclosure or financial distress seeking quick capital alternatives

View all 7 Business Loans providers in Brooklyn →

Banks in Brooklyn

Chase Bank

Brooklyn, NY—Chase Bank at 177 Montague St provides downtown banking services with Mon-Sat hours for Brooklyn Heights residents.

BBB: NR

Profile signals: Full-service banking customers seeking checking, savings, credit cards, and lending products in one location, Small business owners needing commercial banking, payment acceptance, and business credit card services

Chase Bank

Chase Bank in Brooklyn at 490 Fulton St provides convenient branch banking with weekday and weekend hours.

BBB: NR

Profile signals: Business owners seeking comprehensive banking, payment processing, and business credit solutions, Customers prioritizing 24-hour ATM access and multilingual financial services in the Sarasota area

Citi

Citi is a major bank offering checking, savings, credit cards, mortgages, personal loans, and investment services to retail and business customers.

BBB: NR

Profile signals: Customers seeking a one-stop financial institution for banking, lending, investing, and credit cards, High-net-worth individuals interested in comprehensive wealth management and private client services

Citizens

Citizens is a traditional bank offering checking, savings, credit cards, home loans, and student loans through physical branches and mobile banking.

BBB: NR

Profile signals: Customers seeking comprehensive banking in one place with access to mortgages, student loans, and credit products, Individuals who value in-person relationships with bankers for major financial decisions

Dime Community Bank

Dime Community Bank is a traditional community bank offering checking, savings, and deposit products with physical branch locations including Long Island City.

BBB: NR

Profile signals: Customers in the Long Island City and surrounding Queens area seeking local branch banking, Individuals preferring in-person banking relationships with community bank staff

Flagstar Private Bank

Flagstar Private Bank offers tailored private banking, lending, wealth management, and investment solutions for high-net-worth individuals, families, and businesses through a dedicated banker model.

BBB: NR

Profile signals: High-net-worth individuals and families seeking integrated wealth management with dedicated personal banker attention, Affluent business owners needing comprehensive credit, lending, and cash management solutions with industry experience context

View all 7 Banks providers in Brooklyn →

Mortgages & Home Loans in Brooklyn

Hard Money Loans Brooklyn

Gauntlet Funding is a hard money lender in Brooklyn with 20+ years of experience offering non-conventional real estate financing for fix-and-flip, rental, bridge, and new construction properties.

4.1/5

Google rating from 10 reviews

BBB: NR

Profile signals: Real estate investors seeking to purchase and renovate distressed properties quickly, Home buyers needing bridge financing between sale of current home and purchase of new property

Barry Koven at CrossCountry Mortgage

Barry Koven is a mortgage loan officer at CrossCountry Mortgage serving the Brooklyn, NY area, offering residential mortgage solutions for home purchase and refinancing.

BBB: NR

Profile signals: Brooklyn-area homebuyers seeking local mortgage origination support, New York borrowers preferring to work with a named loan officer rather than automated systems

Brooklyn Funding Group

Brooklyn Funding Group provides short-term and long-term real estate financing for fix-and-flip projects, new construction, multifamily properties, and rental portfolios. No upfront fees, no tax returns required.

BBB: NR

Profile signals: Active real estate investors and house flippers seeking short-term fix-and-flip financing with fast closing, Multifamily property owners and institutional investors needing bridge or refinance financing

GoRascal

GoRascal is a mortgage lender offering home purchase and refinance loans with rate comparison tools, pre-qualification, and 24/7 customer support across 49 states.

BBB: NR

Profile signals: First-time homebuyers seeking simplified pre-qualification and rate comparison, Homeowners interested in refinancing who want rate drop alerts and 24/7 support

Credit Unions in Brooklyn

Bykota

LendMesh is a free loan comparison platform that connects borrowers with credit unions and banks to find the lower listed rates on mortgages, auto, personal, student, and home equity loans.

BBB: NR

Profile signals: Borrowers seeking to compare mortgage rates and terms from multiple lenders quickly, First-time homebuyers using the affordability calculator to understand borrowing capacity

Concord

Concord Federal Credit Union is a Brooklyn-based, member-owned credit union founded in 1951 to combat bank redlining, offering savings accounts, loans, and financial education to low- and moderate-income communities.

BBB: NR

Profile signals: Brooklyn residents in low- to moderate-income households seeking affordable loans without discrimination, Individuals prioritizing community-focused banking and financial empowerment over institutional size

Consumers

Consumers Credit Union is a Michigan and Northern Indiana-based credit union offering checking, savings, mortgages, auto loans, and credit cards with digital banking access.

BBB: NR

Profile signals: Michigan and Northern Indiana residents seeking relationship banking with local community focus, Members looking for competitive mortgage and home equity products with promotional rates

NYM Federal Credit Union

NYM Federal Credit Union is a member-owned credit union serving employees of New York Methodist Hospital and their immediate families with checking, savings, loans, and digital banking services.

BBB: NR

Profile signals: Employees of New York Methodist Hospital seeking accessible, member-owned financial services, Immediate family members of NYM Hospital employees looking for low-fee checking and savings accounts

Bankruptcy Services in Brooklyn

Credit Repair Advisors

Brooklyn-based law firm specializing in bankruptcy, debt collection defense, and credit repair with 20 years of experience representing clients nationwide.

5.0/5

Google rating from 2 reviews

BBB: NR

Profile signals: Consumers facing active debt collection lawsuits or wage garnishment seeking legal defense, Identity theft victims with fraudulent accounts or inquiries appearing on credit reports

David I. Pankin, P.C.

Brooklyn-based bankruptcy and foreclosure law firm with 28+ years experience representing over 15,000 clients across New York Metro area in debt relief and consumer protection matters.

5.0/5

Google rating from 220 reviews

BBB: NR

Profile signals: New York Metro residents facing foreclosure or significant unsecured debt seeking formal bankruptcy protection, Individuals who have been rejected by other bankruptcy attorneys and need a second legal opinion

Law Office of Gregory Messer

Brooklyn-based bankruptcy law firm specializing in Chapter 7, 11, and 13 filings, led by Gregory Messer with 45 years of experience and board certification since 1995.

5.0/5

Google rating from 49 reviews

BBB: NR

Profile signals: NYC residents (five boroughs) facing Chapter 7 or Chapter 13 bankruptcy with complex circumstances requiring personalized strategy, Business owners in the NYC area considering Chapter 11 reorganization

US Bankruptcy Court East District

Federal bankruptcy court serving Eastern New York covering five counties. Provides case management, filing services, and judicial resolution for Chapter 7 and Chapter 13 bankruptcies.

BBB: NR

Profile signals: Debtors in Eastern New York (Richmond, Kings, Queens, Nassau, Suffolk counties) filing Chapter 7 or Chapter 13 bankruptcy, Self-represented bankruptcy filers (pro se) who cannot afford attorney representation and meet fee waiver criteria

Debt Relief in Brooklyn

Law Office of Simon Goldenberg, PLLC

New York and New Jersey debt relief law firm specializing in debt settlement, bankruptcy alternatives, and consumer debt collection defense led by Attorney Simon Goldenberg.

4.9/5

Google rating from 275 reviews

BBB: NR

Profile signals: New York and New Jersey residents facing collection lawsuits who need legal defense, Consumers with mixed debt types (credit cards and student loans) seeking consolidated legal assistance

Angels of Debt

Brooklyn-based debt settlement firm negotiating with creditors to reduce unsecured balances since 2004. Claims $100M+ settled across credit cards, personal loans, medical bills, and business debt.

4.8/5

Google rating from 240 reviews

BBB: NR

Profile signals: Individuals with $10,000+ in unsecured debt who cannot meet minimum monthly payments, Small business owners seeking settlement on business loans, lines of credit, or business debt

Debt Help Office

Brooklyn-based debt relief advisory connecting clients with debt settlement, FDCPA enforcement, and bankruptcy attorneys. Multi-service approach under one roof.

BBB: NR

Profile signals: Consumers receiving harassing or illegal debt collector calls who need both advisory guidance and potential legal escalation, People facing multiple debt problems simultaneously who want a single coordinating entity rather than piecing together separate services

Personal Loans in Brooklyn

Autopilot Leasing

Brooklyn-based auto leasing broker offering vehicle leasing, financing, and purchases with concierge door-to-door delivery across New York metro.

BBB: NR

Profile signals: New York metro area residents who want to lease or buy a car without setting foot in a dealership, Buyers with mixed or non-prime credit histories seeking flexible vehicle financing with application-timing claims

Emergency Cash in Brooklyn

Venture Cash Advance

Venture Cash Advance is a loan-matching network connecting borrowers with third-party lenders for $100–$5,000 loans. Not a direct lender; APRs can reach 600%.

BBB: NR

Profile signals: Borrowers with poor or no credit history who have been declined by traditional lenders, Consumers needing a small amount ($100–$500) for an unexpected expense with limited alternatives available

Your Rights in New York

New York Consumer Protections: New York bans payday lending through its 16% civil usury and 25% criminal usury caps. The Department of Financial Services aggressively pursues illegal online payday lenders. Consumers have strong protections under state law and can file complaints with DFS or the Attorney General.

Interest Rate Cap: New York usury cap: 16% civil usury; 25% criminal usury; payday lending banned. Payday lending is banned in this state.

Key Regulations:

Payday lending is banned; civil usury cap of 16% and criminal usury cap of 25% make it illegal.
The Department of Financial Services actively enforces against online payday lenders targeting NY residents.
Licensed lenders under the Banking Law may charge rates agreed upon for certain loan types.
The NY Consumer Protection Act and General Business Law Article 22-A protect consumers.

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 New York Attorney General Consumer Frauds Bureau.

Research Service Guides

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

Credit Repair Guide

Company profiles compared

Personal Loans

Options for bad credit

Debt Consolidation

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Free Guides

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