Review 110 credit repair companies, personal lenders, and financial services in Charlotte, North Carolina. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.
1st Advantage Mortgage is a North Carolina-based lender offering home purchase and refinance loans with personalized service and verified pre-approval options.
Google rating from 211 reviews
Profile signals: North Carolina homebuyers seeking a streamlined refinance or purchase with personal guidance, First-time homebuyers wanting verified pre-approval to strengthen offers before contract
Charlotte-based nonprofit CDFI offering microloans under $10K with limited-documentation claims to verify and larger loans up to $10K+ for established small businesses, plus business development boot camps.
Google rating from 3 reviews
Profile signals: Charlotte-area entrepreneurs with six+ months of operating history seeking $5K-$15K in capital, Small business owners who want business education alongside financing access
Non-profit SBA 504 lender serving small businesses across North Carolina and select South Carolina counties with fixed-rate financing for real estate, construction, and expansion.
Google rating from 14 reviews
Profile signals: Small business owners in North Carolina or four South Carolina counties seeking $150K-$1M+ financing for real estate, construction, or major expansion who were declined by traditional banks, Entrepreneurs who value mission-driven lending and want financing structured to preserve working capital with long-term fixed rates and lower down payments
Clean Slate Consulting disputes negative items on credit reports and provides credit monitoring through a client portal with tiered service plans ranging from $99–$199/month.
Google rating from 640 reviews
Profile signals: Consumers with 15–25+ negative items who want professional dispute management and prefer not to DIY, Individuals seeking ongoing credit monitoring and accountability through a dedicated case advisor
Credit Firm, Inc. offers credit repair, debt settlement, and personal credit coaching services across multiple states including Charlotte, NC, with a hybrid approach combining software and human experience context.
Google rating from 6 reviews
Profile signals: Charlotte, NC residents with negative credit items who want local personalized credit repair consultation, Consumers with multiple debts seeking strategic guidance on which accounts to prioritize for settlement
Cumberland Law Group is a Charlotte, NC-based tax defense law firm specializing in IRS audits, criminal tax matters, and tax dispute resolution for individuals and businesses.
Google rating from 204 reviews
Profile signals: Individuals or business owners facing IRS audits or enforcement actions, Taxpayers at risk of bank levies or wage garnishments seeking immediate intervention
1st Advantage Mortgage is a North Carolina-based lender offering home purchase and refinance loans with personalized service and verified pre-approval options.
Google rating from 211 reviews
Profile signals: North Carolina homebuyers seeking a streamlined refinance or purchase with personal guidance, First-time homebuyers wanting verified pre-approval to strengthen offers before contract
Charlotte-based mortgage broker offering home purchase and refinance loans with personalized service from owner Angelo Datseris and his team.
Google rating from 515 reviews
Profile signals: First-time homebuyers in Charlotte seeking personalized guidance and patient support through a complex process, Homeowners refinancing in North Carolina who value local broker relationships over large bank impersonality
Peak Financial Group is a Charlotte-based wholesale mortgage broker licensed in NC and SC, offering residential and commercial loans with emphasis on personalized service and competitive pricing.
Google rating from 79 reviews
Profile signals: NC and SC homebuyers seeking personalized service and shopping across multiple wholesale lenders, Real estate investors seeking Airbnb or short-term rental property financing with flexible underwriting
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Google rating from 160 reviews
Profile signals: Consumers in Charlotte, North Carolina looking for personal lending services, People who prefer working with a local personal lending provider
DHL Mortgage, powered by Premier Mortgage Resources LLC, is a Charlotte-based mortgage lender offering home purchase, refinance, and listed loan programs across five states.
Google rating from 194 reviews
Profile signals: Self-employed borrowers and real estate investors using DSCR or bank statement loans, Medical professionals (doctors, nurses) seeking listed lending programs
Lennar Mortgage Charlotte finances new construction home purchases through the Lennar Family of Builders network, with a team of 12+ loan officers serving NC, SC, and GA.
Google rating from 443 reviews
Profile signals: First-time homebuyers purchasing new Lennar-built homes in North Carolina, South Carolina, or Georgia, Repeat Lennar homebuyers familiar with the builder's quality and financing process
Express Mart Check Cashing offers check cashing, payday loans, and financial services at their Charlotte, NC location with extended daily hours.
Profile signals: Consumers in Charlotte, NC needing urgent check-cashing services during evenings or weekends, Individuals seeking short-term payday loans under $2,500 with fast funding
MoneyGram is a money transfer and financial services provider enabling customers to send and receive money nationwide through online and in-person locations.
Profile signals: Consumers preferring in-person money transfer over purely digital channels, Unbanked or underbanked individuals seeking money movement services
Charlotte, NC residents can visit MoneyGram at 11430 N Tryon St for check cashing and money transfer services with convenient daytime and evening hours.
Profile signals: Unbanked and underbanked individuals without access to traditional bank accounts, Immigrants and individuals sending remittances to family internationally
ACE Cash Express in Charlotte offers check cashing, money transfers, bill payment, and prepaid banking products without requiring a bank account.
Profile signals: Unbanked and underbanked individuals who need check cashing without maintaining a bank account, Business owners requiring flexible check-cashing services outside standard banking hours
Charlotte's PLS Check Cashers at 4431 N Tryon St operates 24/7 for quick check cashing and money services in NC.
Profile signals: Unbanked or underbanked consumers needing after-hours check cashing and cash access, Individuals requiring vehicle registration, title transfers, or license plate services combined with financial services
Charlotte, NC's 24-hour PLS Check Cashers location on South Blvd offers instant check cashing and financial services.
Profile signals: Unbanked or underbanked consumers who are researching short-term cash access from a check outside bank hours, Illinois residents who want to combine financial transactions with vehicle registration or title work in one trip
United Community is an FDIC-insured bank offering personal and business checking, savings, loans, mortgages, and wealth management across multiple locations.
Google rating from 1 review
Profile signals: Small to mid-sized business owners seeking listed lending (SBA, equipment, working capital), First-time homebuyers looking for down payment assistance and mortgage guidance
Skyla Credit Union is a full-service financial institution offering checking, savings, loans, credit cards, and business banking with digital-first services and fraud protection.
Google rating from 249 reviews
Profile signals: Credit union members seeking high-yield checking and savings accounts with digital banking convenience, Consumers interested in comprehensive financial services including lending and credit products from one institution
M&F Bank is a community-focused bank with a Charlotte, NC branch offering personal and business banking services, including checking, savings, loans, and SBA financing.
Google rating from 33 reviews
Profile signals: Small business owners seeking SBA financing and local relationship-based lending decisions, Charlotte-area residents wanting community-focused banking with local decision-making authority
Bank of America is a major U.S. banking institution offering checking, savings, credit cards, loans, and investment services through digital and branch channels.
Google rating from 236 reviews
Profile signals: Consumers seeking a full-service bank with both traditional branch access and digital banking capabilities, Individuals interested in integrated banking and investment services through one institution
Bank of America is a major national bank offering checking, savings, credit cards, loans, and investment services through digital and branch channels.
Profile signals: Customers seeking a federally-regulated bank with broad geographic accessibility and multiple branches, Digital-native consumers preferring to manage accounts primarily through mobile apps
First Horizon Bank is a full-service regional bank offering personal and business banking, lending, wealth management, and treasury services across multiple customer segments.
Profile signals: Small business owners and entrepreneurs requiring comprehensive business banking, treasury management, and listed industry lending, Customers seeking wealth management, investment services, and trust/estate planning integrated with banking services
Clean Slate Consulting disputes negative items on credit reports and provides credit monitoring through a client portal with tiered service plans ranging from $99–$199/month.
Google rating from 640 reviews
Profile signals: Consumers with 15–25+ negative items who want professional dispute management and prefer not to DIY, Individuals seeking ongoing credit monitoring and accountability through a dedicated case advisor
Credit Firm, Inc. offers credit repair, debt settlement, and personal credit coaching services across multiple states including Charlotte, NC, with a hybrid approach combining software and human experience context.
Google rating from 6 reviews
Profile signals: Charlotte, NC residents with negative credit items who want local personalized credit repair consultation, Consumers with multiple debts seeking strategic guidance on which accounts to prioritize for settlement
KASH & Services is a Charlotte-based multi-service financial firm offering tax preparation, tax resolution, bookkeeping, notary, and estate planning alongside business setup and dispatch services.
Google rating from 54 reviews
Profile signals: Small business owners needing integrated tax preparation and business setup services, Entrepreneurs launching transportation companies seeking both business formation and dispatch support
Charlotte-based credit repair firm led by licensed Realtor Chemise 'Star' Broadus, offering personalized dispute services and homeownership coaching nationwide.
Google rating from 112 reviews
Profile signals: Consumers working toward homeownership who want credit repair and real estate guidance from one licensed practitioner, Clients who prefer hands-on, relationship-based service over automated credit repair platforms
Tip Top Scores is a credit repair provider based in Charlotte, North Carolina. Rated 4.9/5 with 155 Google reviews, reflecting high listed customer satisfaction.
Google rating from 155 reviews
Profile signals: Consumers in Charlotte, North Carolina looking for credit repair services, People who prefer working with a local credit repair provider
Empire Professional Services offers credit repair and financial consulting to help clients dispute negative items and provide credit-score context to review, with claims of 95% seeing results in 30 days.
Google rating from 31 reviews
Profile signals: Consumers with multiple negative items (collections, late payments, charge-offs) seeking coordinated dispute help, People preparing for major purchases like homes or cars who need faster credit improvement
Charlotte-based nonprofit CDFI offering microloans under $10K with limited-documentation claims to verify and larger loans up to $10K+ for established small businesses, plus business development boot camps.
Google rating from 3 reviews
Profile signals: Charlotte-area entrepreneurs with six+ months of operating history seeking $5K-$15K in capital, Small business owners who want business education alongside financing access
Non-profit SBA 504 lender serving small businesses across North Carolina and select South Carolina counties with fixed-rate financing for real estate, construction, and expansion.
Google rating from 14 reviews
Profile signals: Small business owners in North Carolina or four South Carolina counties seeking $150K-$1M+ financing for real estate, construction, or major expansion who were declined by traditional banks, Entrepreneurs who value mission-driven lending and want financing structured to preserve working capital with long-term fixed rates and lower down payments
ADR Financial Group helps business owners and entrepreneurs review $50K-$250K in advertised 0% interest business-funding claim to verify through credit-based strategies with collateral and financial-statement requirements to verify.
Google rating from 183 reviews
Profile signals: Entrepreneurs and business owners with good personal credit (680+) seeking business credit cards for working capital without traditional collateral, Self-directed business owners wanting educational resources and lender lists to apply for 0% business credit independently
Benifyt is an unsecured business funding marketplace listing loan options including term loans, lines of credit, and merchant cash advances.
Google rating from 11 reviews
Profile signals: Small business owners with established monthly revenue ($10K+) seeking fast access to unsecured capital, Businesses looking to consolidate existing merchant cash advances or other debt
National Credit Funding provides equipment financing for businesses, offering $5,000-$300,000 loans with 24-hour approval claims to verify for new or used equipment purchases across all 50 states.
Google rating from 32 reviews
Profile signals: Construction, transportation, and manufacturing companies needing to purchase equipment quickly, Equipment vendors and dealers seeking a financing partner to offer customers
Commercial Credit Group finances heavy equipment for construction, manufacturing, transportation, and waste industries with flexible terms and industry experience context.
Google rating from 30 reviews
Profile signals: Construction companies needing heavy equipment financing or refinancing, Transportation and trucking businesses acquiring or upgrading commercial vehicles
Carolinas Telco Federal Credit Union is a member-owned financial institution serving North and South Carolina since 1934, offering comprehensive banking and lending services through eight branch locations.
Google rating from 146 reviews
Profile signals: North and South Carolina residents seeking personalized credit union banking with rate claims to verify, Vehicle buyers interested in listed lending for motorcycles, boats, ATVs, and RVs
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Google rating from 20 reviews
Profile signals: Consumers in Charlotte, North Carolina looking for payday alternative lending services, People who prefer working with a local payday alternative lending provider
Not-for-profit credit union serving North Carolina state employees and families with 260+ branches, offering checking, savings, mortgages, auto loans, and credit cards.
Google rating from 122 reviews
Profile signals: North Carolina state employees and their eligible family members seeking member-owned financial institution, Borrowers pursuing mortgages or auto loans who prioritize credit union rates over traditional bank products
Skyla Credit Union is a federally-chartered credit union offering checking, savings, loans, credit cards, and business banking services with rate claims to verify and digital banking tools.
Google rating from 225 reviews
Profile signals: Credit union members seeking competitive interest-bearing checking accounts with digital banking tools, Small business owners needing integrated business checking, loans, and payment processing
Truliant Federal Credit Union's Charlotte University branch offers full-service banking with checking, savings, and member services at a single location in Charlotte, NC.
Google rating from 167 reviews
Profile signals: Charlotte-area residents seeking member-owned credit union banking with personal service, Working professionals needing extended weekday hours (until 6pm Friday) and Saturday access
Founders Federal Credit Union is a member-owned financial cooperative offering checking, savings, loans, credit cards, and wealth management services with NCUA insurance protection.
Google rating from 107 reviews
Profile signals: South Carolina residents in Gaffney, Columbia, Spartanburg, or Chester seeking personalized financial service, Auto loan borrowers prioritizing rate claims to verify and payment flexibility options
Cumberland Law Group is a Charlotte, NC-based tax defense law firm specializing in IRS audits, criminal tax matters, and tax dispute resolution for individuals and businesses.
Google rating from 204 reviews
Profile signals: Individuals or business owners facing IRS audits or enforcement actions, Taxpayers at risk of bank levies or wage garnishments seeking immediate intervention
Tax attorney firm specializing in IRS debt relief, tax disputes, and resolution strategies for individuals and businesses across multiple states.
Google rating from 670 reviews
Profile signals: Self-employed individuals and business owners with IRS wage garnishments, tax liens, or unpaid payroll tax liabilities, Taxpayers seeking Offer in Compromise negotiations or IRS Fresh Start Program eligibility assessment
Charlotte-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 relief for individuals, families, and small business owners. Established 1989.
Google rating from 22 reviews
Profile signals: Charlotte-area individuals and families facing wage garnishment, foreclosure, or overwhelming unsecured debt, Small business owners in North Carolina experiencing insolvency or creditor collection actions
Charlotte-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, debt relief, and credit reporting disputes with 15+ years of experience.
Google rating from 88 reviews
Profile signals: North Carolina residents struggling with credit card debt, medical bills, or tax debt seeking bankruptcy protection, Small business owners needing to restructure or eliminate business debts
Charlotte-based law firm specializing in bankruptcy representation for debtors and creditors, plus family law and debtor-creditor services.
Google rating from 57 reviews
Profile signals: Charlotte-area individuals filing Chapter 7 bankruptcy seeking personalized legal representation, Creditors and lenders needing representation in bankruptcy cases across multiple chapters
Charlotte-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings. Attorney Kimberly Sheek offers personalized representation with 10+ years of experience and free initial consultations.
Google rating from 80 reviews
Profile signals: Charlotte and North Carolina residents facing Chapter 7 or Chapter 13 bankruptcy, Individuals seeking personalized attorney representation rather than high-volume services
Atlantic Metals Xchange operates as a pawn shop specializing in collateral-based lending and precious metals transactions.
Google rating from 385 reviews
Profile signals: Customers with precious metals or jewelry seeking short-term cash access with minimal paperwork, Individuals needing short-term loans using personal collateral as security
Family-owned pawn shop in Charlotte offering same-day cash for precious metals, jewelry, and watches with eligibility claim to verify. Provides collateral loans and buys at refinery-direct market rates.
Google rating from 330 reviews
Profile signals: People researching short-term cash access who own gold, jewelry, watches, or precious metals but have poor or no credit history, Those seeking short-term bridge financing against valuable items they wish to retain ownership of
National Pawn Charlotte, NC — FirstCash is the leading international operator of pawn stores with 3,300+ locations across 29 U.S. states, the UK, and La...
Google rating from 5,055 reviews
Profile signals: Cash-constrained consumers needing short-term funds ($100-$5,000+) within hours without credit approval, Individuals with items of significant value (jewelry, electronics, instruments) seeking immediate liquidity
Locally owned pawn shop in Charlotte, NC that buys, loans, and sells gold, diamonds, coins, guns, and other items with free appraisals and private appointment options.
Google rating from 142 reviews
Profile signals: Consumers with unexpected short-term cash needs who have gold jewelry, diamonds, coins, or guns they can temporarily pledge as collateral, People looking to sell inherited or unused jewelry and precious metals for short-term cash access without shipping or online sale hassle
FirstCash is the leading international pawn shop operator with 3,300+ locations across 29 U.S. states, the UK, and Latin America, offering pawn loans, retail sales, and gold buying services.
Google rating from 141 reviews
Profile signals: Consumers with valuable items (jewelry, electronics, instruments) researching short-term cash access with eligibility claims to verify, People in urgent financial situations who want to avoid payday loans, title loans, or credit card debt
Gun Outlet & Pawn is a firearms retailer and pawn shop in Charlotte, NC offering FFL transfers, gun sales, pawning services, and extensive shooting accessories.
Profile signals: Firearms owners and shooting enthusiasts seeking to buy, sell, or pawn guns locally in Charlotte, Gun collectors and competitive shooters needing listed accessories, optics, and gunsmithing parts
Lendmark Financial Services is a consumer finance company offering personal loans, auto loans, and debt consolidation with fixed rates and provider-stated funding timing at their Charlotte NC branch.
Google rating from 106 reviews
Profile signals: Consumers seeking personal loans for specific expenses (weddings, vacations, home improvement), Borrowers wanting to consolidate multiple debts into a single fixed-rate payment
MyCredit Smash LLC is currently held for CreditDoc source review and is not approved for indexing.
Google rating from 22 reviews
Profile signals: Consumers comparing verified alternatives while this listing is reviewed
LendingTree is a leading online lending marketplace where borrowers compare offers from multiple lenders in one place. Founded 1996, publicly traded (NASDAQ: TREE), BBB A+ rated.
Profile signals: Borrowers who want to compare multiple loan offers without multiple applications, Rate shoppers who want to see competitive offers side by side
Charlotte, NC OneMain Financial location on Northlake Centre Parkway provides personal loans with flexible terms for all credit profiles.
Profile signals: Borrowers with fair or imperfect credit who need $1,500–$30,000, Consumers who prefer in-person service and want to speak with a loan staff context face-to-face
United Auto Credit provides non-prime auto financing to customers with challenged credit, serving 80,000+ customers for 28 years with flexible payment options and personalized service.
Profile signals: Consumers with subprime or challenged credit histories seeking auto financing, Borrowers who need flexible payment arrangements or assistance during financial hardship
Charlotte, NC's US Cash Advance at 236 W Tremont Ave offers payday and title-loan profile details with provider-stated funding timing.
Google rating from 271 reviews
Profile signals: Borrowers with poor credit history researching emergency-cash options within 1-2 days, Consumers facing unexpected expenses before payday or next paycheck
Vista Financial offers auto title loans up to $10,000 with provider-stated funding timing at their Charlotte, NC location. Borrowers use their vehicle's equity to access short-term cash access.
Google rating from 755 reviews
Profile signals: Workers facing immediate emergencies (car repair, medical bills, rent) with no other credit options, Self-employed or gig workers without access to traditional personal loans or credit lines
Charlotte, NC's ACE Cash Express on Beatties Ford Rd offers payday and title-loan profile details with provider-stated funding timing.
Profile signals: Unbanked or underbanked consumers needing check cashing without a bank account, Consumers who need a small installment or title loan quickly and have no bank financing option
Charlotte's ACE Cash Express on Freedom Dr offers payday and title-loan profile details with flexible terms.
Profile signals: Unbanked or underbanked consumers who need to cash a check without a bank account, Borrowers needing small emergency cash ($50–$715) same-day at a physical store
Habitat for Humanity's Money Matters is a free financial literacy program offering workshops on budgeting, credit building, and homeownership for employees and community members.
Google rating from 18 reviews
Profile signals: Employees seeking financial wellness support through their employer, Charlotte-area community members interested in homeownership preparation
Non-profit financial counseling organization offering free workshops, certified financial advisor sessions, and advertised 0% interest loans to verify to help Charlotte residents build financial stability.
Profile signals: Charlotte-area residents with limited income seeking free financial counseling and credit guidance, Individuals wanting to avoid payday and auto title loans and needing emergency borrowing with fair terms
DreamKey Partners is a nonprofit real estate development and finance corporation providing homeownership education, down payment assistance, and affordable housing development across the Southeast.
Profile signals: First-time homebuyers in the Carolinas and Georgia seeking education and financial preparation, Low-to-moderate income households qualifying for down payment assistance programs
Non-profit organization providing emergency financial assistance grants to working families and individuals in Charlotte facing unexpected hardships, not loans.
Profile signals: Working families facing sudden utility shutoff or eviction due to job loss or medical emergency, Parents needing car seats or educational resources for children experiencing housing instability
ACE Cash Express Charlotte location offers ATM services, check cashing, money transfers, and bill payment with extended hours beyond traditional banks.
Profile signals: Consumers without traditional bank accounts seeking check cashing outside standard banking hours, Business owners needing to cash large checks with same-day access to funds
Title insurance company providing residential real estate closing services, wire fraud prevention, and FinCEN compliance solutions for the Charlotte, NC market.
Profile signals: Homebuyers and sellers in the Charlotte, North Carolina area completing residential real estate transactions, Real estate attorneys and closing agents seeking title insurance and compliance solutions in North Carolina
North Carolina Consumer Protections: North Carolina banned payday lending in 2001, becoming one of the first states to do so. Consumer finance companies are regulated with rate caps. Consumers can file complaints with the Commissioner of Banks or the Attorney General's Consumer Protection Division.
Interest Rate Cap: North Carolina usury cap: 8% general; 30% for consumer finance loans under $10,000; payday lending banned since 2001. Payday lending is banned in this state.
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 North Carolina Attorney General Consumer Protection Division.
Use these guides with local pages, state rules, and provider profiles before contacting a company.
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