Compare 40 credit repair companies, personal lenders, and financial services in Charlotte, North Carolina. All independently reviewed with BBB ratings and pricing.
First Horizon Bank is a full-service regional bank offering personal and business banking, lending, wealth management, and treasury services across multiple customer segments.
Best for: Small business owners and entrepreneurs requiring comprehensive business banking, treasury management, and specialized industry lending, Customers seeking wealth management, investment services, and trust/estate planning integrated with banking services
Non-profit financial counseling organization offering free workshops, certified financial advisor sessions, and 0% interest loans to help Charlotte residents build financial stability.
Best for: 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
Credit Firm Inc. provides credit repair, debt settlement, and personal credit coaching across multiple locations. They combine software tools with human expertise to improve credit scores and dispute negative items.
Best for: Charlotte, NC and surrounding area residents with damaged credit seeking local in-person consultation, Consumers struggling with multiple delinquent accounts who want strategic debt settlement planning
2127 Ayrsley Town Blvd: First Community Bank's Charlotte, NC branch serves south Charlotte residents with personal and business banking, lending, and ATM access.
Best for: Residents of West Virginia, Virginia, North Carolina, or Tennessee seeking local branch banking, Small business owners and entrepreneurs in Appalachian communities
Non-profit organization providing emergency financial assistance grants to working families and individuals in Charlotte facing unexpected hardships, not loans.
Best for: 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
Peoples Consulting is a North Carolina-based credit repair firm that disputes negative items and helps clients remove collections, charge-offs, and late payments from their credit reports.
Best for: North Carolina residents with multiple negative items on credit reports, Self-employed entrepreneurs and professionals seeking faster credit restoration
Express Mart Check Cashing offers check cashing, payday loans, and financial services at their Charlotte, NC location with extended daily hours.
Best for: 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
Charlotte, NC residents can visit MoneyGram at 11430 N Tryon St for check cashing and money transfer services with convenient daytime and evening hours.
Best for: 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.
Best for: 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.
Best for: 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.
Best for: Unbanked or underbanked consumers who need immediate cash from a check outside bank hours, Illinois residents who want to combine financial transactions with vehicle registration or title work in one trip
Charlotte, NC residents can cash checks at SAM Check Cashing Machine on Village Lake Drive, a convenient standalone location serving the area.
Best for: Unbanked and underbanked individuals without access to traditional bank accounts, Customers needing immediate liquidity from checks without waiting for bank processing
Reliable Commercial Funding connects business owners and investors with commercial loans up to $50M+ through a network of 200+ lenders, offering SBA, bridge, hard money, and real estate financing with 24-48 hour approval decisions.
Best for: Real estate investors seeking commercial property acquisition or refinancing loans of $1M-$50M, Business owners needing bridge loans for time-sensitive acquisitions or expansion deals
UP Community Fund provides growth capital to small business owners with $300K-$5M revenue, emphasizing impact-focused lending to women entrepreneurs and communities of color.
Best for: Women entrepreneurs and entrepreneurs of color seeking growth capital with values-aligned lenders, Small business owners with $300K-$5M revenue needing customized funding solutions
South Carolina-based SBA lender offering 7(a), 504, and SSBCI loan programs to small businesses for 68+ years with $2.07B invested.
Best for: Established small businesses in South Carolina seeking $100Kâ$5M for equipment, real estate, or business acquisition, Manufacturers and real estate-intensive businesses qualifying for 504 fixed-rate financing with high LTV requirements
Cash Nerd! is a Charlotte-based business funding broker offering loans, MCAs, and alternative financing for startups and established businesses seeking rapid access to capital.
Best for: Small business owners seeking multiple financing options without approaching lenders individually, Startups needing business formation services bundled with funding solutions
Commercial Lending Solutions provides commercial real estate loans and alternative financing for businesses in Charlotte, NC, specializing in scenarios where traditional banks decline.
Best for: Real estate investors seeking bridge or fix-and-flip financing when banks decline, Commercial property owners needing alternative financing outside standard bank credit models
First Horizon Bank is a full-service regional bank offering personal and business banking, lending, wealth management, and treasury services across multiple customer segments.
Best for: Small business owners and entrepreneurs requiring comprehensive business banking, treasury management, and specialized industry lending, Customers seeking wealth management, investment services, and trust/estate planning integrated with banking services
2127 Ayrsley Town Blvd: First Community Bank's Charlotte, NC branch serves south Charlotte residents with personal and business banking, lending, and ATM access.
Best for: Residents of West Virginia, Virginia, North Carolina, or Tennessee seeking local branch banking, Small business owners and entrepreneurs in Appalachian communities
Charlotte, NC: Chase Bank at 3319 Pineville-Matthews Rd provides personal and business banking Monday-Saturday.
Best for: Sarasota residents and business owners seeking full-service banking with multiple products under one roof, Customers who prioritize nationwide ATM and branch network access and convenience
FDIC-insured national bank offering checking, savings, and loans with convenient in-store branches at Walmart and 90K+ retail locations, plus online and mobile banking.
Best for: Walmart shoppers seeking convenient in-store banking with cash access at checkout, Consumers prioritizing mobile banking and remote account management with check deposit via phone
Credit Firm Inc. provides credit repair, debt settlement, and personal credit coaching across multiple locations. They combine software tools with human expertise to improve credit scores and dispute negative items.
Best for: Charlotte, NC and surrounding area residents with damaged credit seeking local in-person consultation, Consumers struggling with multiple delinquent accounts who want strategic debt settlement planning
Peoples Consulting is a North Carolina-based credit repair firm that disputes negative items and helps clients remove collections, charge-offs, and late payments from their credit reports.
Best for: North Carolina residents with multiple negative items on credit reports, Self-employed entrepreneurs and professionals seeking faster credit restoration
Sunshine Credit Services disputes negative items on credit reports and provides customized credit repair strategies. Based in Charlotte, NC, they charge $99/month and promise results within 90 days.
Best for: Consumers with multiple negative or erroneous items on credit reports seeking professional dispute assistance, People who prefer working directly with a local office in the Charlotte, NC area
Keep It Simple Consulting Co. LLC is a Credit Consultants Association member offering credit repair and consulting services based in Charlotte, NC.
Best for: Consumers in the Charlotte, NC area seeking local credit repair services, People with documented errors on their credit reports requiring professional disputes
Charlotte's ACE Cash Express on Freedom Dr offers quick payday and title loans with flexible terms.
Best for: Unbanked or underbanked consumers who need to cash a check without a bank account, Borrowers needing small emergency cash ($50â$715) same-day at a physical store
Charlotte, NC's ACE Cash Express on Beatties Ford Rd offers quick payday and title loans with same-day funding.
Best for: 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
Non-profit financial counseling organization offering free workshops, certified financial advisor sessions, and 0% interest loans to help Charlotte residents build financial stability.
Best for: 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
Non-profit organization providing emergency financial assistance grants to working families and individuals in Charlotte facing unexpected hardships, not loans.
Best for: 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
Gun Outlet & Pawn is a firearms retailer and pawn shop in Charlotte, NC offering FFL transfers, gun sales, pawning services, and extensive shooting accessories.
Best for: Firearms owners and shooting enthusiasts seeking to buy, sell, or pawn guns locally in Charlotte, Gun collectors and competitive shooters needing specialized accessories, optics, and gunsmithing parts
Quik Cash Pawn is a pawn shop in Charlotte, NC offering collateral-based loans and merchandise sales including DVDs, jewelry, and other goods.
Best for: Consumers needing immediate cash with personal collateral to pledge, Buyers seeking used media, jewelry, or merchandise at discounted prices
RNC Bridge is a Charlotte-area private hard money lender offering asset-based real estate investment loans from $100Kâ$10M at 7.99â12% interest.
Best for: Real estate investors needing fast bridge financing for time-sensitive acquisitions, Fix-and-flip operators who don't qualify for conventional loans
New American Funding Branch Manager Alexander Mignone offers mortgage origination services including home purchase loans, refinancing, and down payment assistance programs in the Charlotte, NC area.
Best for: First-time homebuyers in Charlotte, NC area seeking down payment assistance and guidance through the homeownership process, Homeowners considering refinancing to reduce monthly payments or eliminate mortgage insurance
Charlotte, NC OneMain Financial location on Northlake Centre Parkway provides personal loans with flexible terms for all credit profiles.
Best for: Borrowers with fair or imperfect credit who need $1,500â$30,000, Consumers who prefer in-person service and want to speak with a loan specialist 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.
Best for: Consumers with subprime or challenged credit histories seeking auto financing, Borrowers who need flexible payment arrangements or assistance during financial hardship
ACE Cash Express Charlotte location offers ATM services, check cashing, money transfers, and bill payment with extended hours beyond traditional banks.
Best for: 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
Family-owned bankruptcy law firm with board-certified attorneys serving North Carolina. Specializes in Chapter 7 and Chapter 13 filings across five offices.
Best for: North Carolina residents facing foreclosure or vehicle repossession seeking legal protection, Individuals overwhelmed by creditor calls and collection activity
Title insurance company providing residential real estate closing services, wire fraud prevention, and FinCEN compliance solutions for the Charlotte, NC market.
Best for: 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
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. HUD-approved counselors in Charlotte offer free guidance at consumerfinance.gov.
Our editors reviewed hundreds of companies to find the best options nationwide.
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