Cincinnati, OH

Credit Repair & Financial Services in Cincinnati

Review 56 credit repair companies, personal lenders, and financial services in Cincinnati, Ohio. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Ohio avg credit score: 704 Median income: $65,720 Poverty rate: 13% Payday loans: Restricted Ohio overview →

Featured Provider Profiles in Cincinnati

56 companies
300 Cash Loans logo

300 Cash Loans

300 Cash Loans Cincinnati, Ohio — 300 Cash Loans offers payday loans and cash advances up to $1,000 in Escondido, CA with same-day or next-business-day ...

BBB: NR

Profile signals: Borrowers with genuine one-time emergencies (car repairs, medical bills) who can repay within 30 days, People with poor credit unable to access credit cards, personal loans, or bank lines of credit

5 Star Car Title Loans logo

5 Star Car Title Loans

Cincinnati, OH - 5 Star Car Title Loans at 6713 Montgomery Rd provides same-day car title loans and cash advances in your neighborhood.

BBB: NR

Profile signals: Vehicle owners with sudden emergency expenses and no access to credit cards or personal loans, Self-employed or gig workers with limited traditional credit-history context who need fast capital

ACE Cash Express logo

ACE Cash Express

Cincinnati ACE Cash Express at 4981 Vine St offers payday and title-loan profile details with flexible hours in OH.

BBB: NR

Profile signals: Consumers facing short-term cash access shortages comparing listed funding timing, Vehicle owners researching short-term cash access who can use title loans as collateral

Advance America logo

Advance America

At 8320 Colerain Ave in Cincinnati, OH, Advance America provides payday loans and title loans.

BBB: NR

Profile signals: Workers with stable employment facing unexpected expenses between paychecks who can repay within 2–4 weeks, Vehicle owners with good credit needing $2,000–$25,000 and willing to use car title as collateral

Advance America logo

Advance America

Cincinnati's Advance America on Springfield Pike offers payday and title-loan profile details with extended Friday hours.

BBB: NR

Profile signals: Borrowers needing $100–$500 quickly before their next paycheck with no access to cheaper credit, People with poor or thin credit who are ineligible for personal loans from banks or credit unions

American Trading Company logo

American Trading Company

Cincinnati-based buyer and pawn shop specializing in gold, jewelry, rare coins, and firearms with 50+ years of experience across two locations.

BBB: NR

Profile signals: Cincinnati residents with physical gold, jewelry, or watches researching short-term cash access, Collectors of rare coins or numismatic items seeking evaluation context and sale

Emergency Cash in Cincinnati

View all →
300 Cash Loans logo

300 Cash Loans

300 Cash Loans Cincinnati, Ohio — 300 Cash Loans offers payday loans and cash advances up to $1,000 in Escondido, CA with same-day or next-business-day ...

BBB: NR

Profile signals: Borrowers with genuine one-time emergencies (car repairs, medical bills) who can repay within 30 days, People with poor credit unable to access credit cards, personal loans, or bank lines of credit

5 Star Car Title Loans logo

5 Star Car Title Loans

Cincinnati, OH - 5 Star Car Title Loans at 6713 Montgomery Rd provides same-day car title loans and cash advances in your neighborhood.

BBB: NR

Profile signals: Vehicle owners with sudden emergency expenses and no access to credit cards or personal loans, Self-employed or gig workers with limited traditional credit-history context who need fast capital

ACE Cash Express logo

ACE Cash Express

Cincinnati ACE Cash Express at 4981 Vine St offers payday and title-loan profile details with flexible hours in OH.

BBB: NR

Profile signals: Consumers facing short-term cash access shortages comparing listed funding timing, Vehicle owners researching short-term cash access who can use title loans as collateral

Advance America logo

Advance America

At 8320 Colerain Ave in Cincinnati, OH, Advance America provides payday loans and title loans.

BBB: NR

Profile signals: Workers with stable employment facing unexpected expenses between paychecks who can repay within 2–4 weeks, Vehicle owners with good credit needing $2,000–$25,000 and willing to use car title as collateral

Advance America logo

Advance America

Cincinnati's Advance America on Springfield Pike offers payday and title-loan profile details with extended Friday hours.

BBB: NR

Profile signals: Borrowers needing $100–$500 quickly before their next paycheck with no access to cheaper credit, People with poor or thin credit who are ineligible for personal loans from banks or credit unions

CheckSmart logo

CheckSmart

At 658 Main St in Cincinnati, OH, CheckSmart offers payday and title-loan profile details to residents seeking short-term cash-access services.

BBB: NR

Profile signals: Unbanked or underbanked consumers needing multiple financial services in one physical location, Customers requiring immediate check cashing, wire transfers, or money orders without a traditional bank account

Pawn Shops in Cincinnati

View all →
American Trading Company logo

American Trading Company

Cincinnati-based buyer and pawn shop specializing in gold, jewelry, rare coins, and firearms with 50+ years of experience across two locations.

BBB: NR

Profile signals: Cincinnati residents with physical gold, jewelry, or watches researching short-term cash access, Collectors of rare coins or numismatic items seeking evaluation context and sale

American Trading Company logo

American Trading Company

Cincinnati-based buyer and pawn shop specializing in precious metals, rare coins, jewelry, diamonds, and firearms with 50+ years of experience across 2 locations.

BBB: NR

Profile signals: Cincinnati-area residents researching short-term cash access against collateral or looking to sell precious metals and collectibles, Gun owners seeking to buy, sell, or trade firearms locally with in-store pickup options

Cash America Pawn logo

Cash America Pawn

Cincinnati's Cash America Pawn at 5223 Glenway Ave in OH offers quick pawn loans and quality merchandise six days a week.

BBB: NR

Profile signals: Consumers with immediate emergency cash needs and valuable items (jewelry, electronics, instruments) willing to pledge collateral, Individuals without credit history or with poor credit who cannot access traditional bank loans

Cash America Pawn logo

Cash America Pawn

At 6926 Montgomery Rd in Cincinnati, OH, Cash America Pawn provides short-term cash access loans on valuable items.

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, People with valuable items they're willing to pledge temporarily and can afford to repay within short loan terms

Queen City Jewelry & Pawn logo

Queen City Jewelry & Pawn

Queen City Jewelry & Pawn offers collateral-based loans and pre-owned jewelry in Cincinnati with 60+ years of combined jewelry experience context and custom manufacturing services.

BBB: NR

Profile signals: Customers researching short-term cash access against jewelry, watches, or personal items they own, Luxury watch or jewelry buyers seeking below-retail pricing on pre-owned high-end pieces

Stan's Pawn Shop Inc logo

Stan's Pawn Shop Inc

Stan's Pawn Shop Inc is a collateral-based lending operation located in Cincinnati, OH that provides short-term cash access loans against personal items of value.

BBB: NR

Profile signals: Individuals researching short-term cash access with no-credit-qualification claims to verify requirements, People with valuable items they can temporarily use as collateral

Credit Unions in Cincinnati

View all →
Children'S Medical Center logo

Children'S Medical Center

Member-owned federal credit union serving Children's Medical Center employees and families since 1970, offering savings accounts, loans, and financial services with NCUA insurance.

BBB: NR

Profile signals: Children's Medical Center employees seeking employer-affiliated banking with community focus, Families of CCHMC staff members needing comprehensive financial services

Cincinnati Healthcare Associates logo

Cincinnati Healthcare Associates

Federal credit union established in 1973 serving Christ Hospital employees and their families with loans, savings accounts, and investment products.

BBB: NR

Profile signals: Christ Hospital employees seeking employer-affiliated financial services with on-site convenience, Healthcare workers needing listed credit union products and employee-focused services

Cincinnati Interagency logo

Cincinnati Interagency

Cincinnati Interagency Federal Credit Union is a member-owned, not-for-profit credit union offering vehicle loans, home improvement financing, and democratically-governed financial services to Cincinnati-area residents.

BBB: NR

Profile signals: Cincinnati-area residents specifically seeking competitive vehicle financing (auto, RV, marine, motorcycle loans), Members comfortable with primarily online/digital banking due to limited branch accessibility

Cinfed logo

Cinfed

Cinfed is a member-owned credit union offering checking, savings, auto loans, and financial coaching to Cincinnati-area residents with a focus on personalized service.

BBB: NR

Profile signals: Cincinnati-area residents seeking relationship-based financial services with personalized coaching, Auto buyers looking for competitive financing with dedicated support through the loan process

Greater Cincinnati School logo

Greater Cincinnati School

Greater Cincinnati Credit Union is a member-owned financial institution offering savings, checking, loans, mortgages, and credit cards to the greater Cincinnati area with rate claims to verify and comprehensive financial services.

BBB: NR

Profile signals: Cincinnati-area residents seeking competitive mortgage rates and home lending solutions, Credit union members prioritizing member-owned institutions with profit-sharing alignment and low promotional rates

Sharefax logo

Sharefax

Sharefax is a member-owned credit union serving the Cincinnati, Ohio area with checking, savings, loans, and credit card products.

BBB: NR

Profile signals: Cincinnati-area residents seeking local credit union membership with competitive loan and deposit products, Auto loan refinance borrowers looking for current promotional discounts (1.50% off through May 31st)

Check Cashing & Money Services in Cincinnati

View all →
Cash Plus logo

Cash Plus

Multi-location check cashing and financial services provider in the Cincinnati area offering payday advances, money orders, and bill payment services.

BBB: NR

Profile signals: Consumers who need to cash checks and lack a traditional bank account, People who need quick access to money orders and Western Union transfers for domestic or international payments

CheckSmart logo

CheckSmart

Cincinnati, OH's CheckSmart at 8398 Reading Rd offers quick check-cashing and money transfer services in a standalone location.

BBB: NR

Profile signals: Unbanked or underbanked customers needing check cashing, money orders, and basic money services, Workers seeking quick emergency cash with listed funding timing options

MoneyGram logo

MoneyGram

Cincinnati, OH's MoneyGram at 4840 Glenway Ave offers money transfer and check-cashing services seven days a week.

BBB: NR

Profile signals: Consumers who regularly shop at Walmart or CVS and want to add money transfers to routine errands, People sending money domestically or internationally without a bank account

MoneyGram logo

MoneyGram

Cincinnati's MoneyGram at 4777 Kenard Ave offers check cashing, money transfers, and bill payment services with extended hours 7AM-10PM daily.

BBB: NR

Profile signals: Consumers needing convenient domestic or international money transfers near their home or workplace, Customers who prefer in-person transactions at familiar retail locations like Walmart or CVS

PLS Check Cashers logo

PLS Check Cashers

Cincinnati, OH is home to PLS Check Cashers at 702 Reading Rd, offering 24-hour check cashing and financial services.

BBB: NR

Profile signals: Unbanked or underbanked consumers needing immediate check cashing outside business hours, Individuals requiring vehicle registration and financial services at a single location

Western Union logo

Western Union

Cincinnati's Western Union at 11390 Montgomery Rd offers check cashing and money transfers, open 6AM–10PM daily.

BBB: NR

Profile signals: International money senders needing reliable cash pickup networks in multiple countries, Customers without traditional bank accounts seeking bill payment and financial services

Banks in Cincinnati

View all →
Fifth Third Bank, National Association logo

Fifth Third Bank, National Association

Fifth Third Bank is a national banking institution offering checking, savings, credit cards, mortgages, business loans, and personal lending through branches and digital channels.

BBB: NR

Profile signals: Consumers seeking traditional full-service banking with physical branch access, Business owners needing commercial lending and deposit account solutions

First Financial Bank logo

First Financial 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.

New Foundation Savings Bank logo

New Foundation Savings Bank

New Foundation Savings Bank is a community bank offering checking, savings, IRAs, mortgages, and business banking services with a focus on affordable lending.

BBB: NR

Profile signals: Cincinnati-area residents seeking personalized community banking with local decision-making, Homebuyers interested in affordable mortgage options from a relationship-focused lender

The Cincinnatus Savings & Loan Co. logo

The Cincinnatus Savings & Loan Co.

Community bank in Cincinnati area offering checking, savings, mortgages, CDs, and consumer loans with branches in Cheviot, Harrison, and Northgate.

BBB: NR

Profile signals: Cincinnati-area residents and small business owners seeking personalized community banking with local branch access, Homebuyers in Ohio looking for mortgage financing from a locally-invested lender

The North Side Bank and Trust Company logo

The North Side Bank and Trust Company

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.

U.S. Bank National Association logo

U.S. Bank National Association

U.S. Bank National Association is a major national bank offering checking, savings, credit cards, mortgages, home equity products, and investment services through branches and digital banking.

BBB: NR

Profile signals: Consumers seeking a full-service bank with comprehensive checking, savings, credit cards, mortgages, and investment services under one institution, Homeowners interested in mortgages, refinancing, home equity loans, and integrated home lending with banking services

Free Help in Cincinnati

View all →
Credit Counseling logo

Credit Counseling

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

BBB: NR

Profile signals: Low-income individuals seeking financial guidance, People exploring debt management options

Home Ownership Center of Greater Cincinnati logo

Home Ownership Center of Greater Cincinnati

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

BBB: NR

Profile signals: Cincinnati-area residents seeking local non-profit housing counseling (if organization is operational), First-time homebuyers researching pre-purchase education programs (pending website restoration)

Trinity Credit Counseling, Inc. logo

Trinity Credit Counseling, Inc.

Non-profit credit counseling agency offering free debt analysis, certified counselor consultations, and debt management plans to help consumers reduce interest rates and become debt-free.

BBB: NR

Profile signals: Consumers with multiple unsecured debts seeking to consolidate payments and reduce interest, Individuals behind on payments seeking creditor negotiation without debt settlement or bankruptcy

Personal Loans in Cincinnati

View all →
Credit Haven Loans logo

Credit Haven Loans

Credit Haven Loans is a Conroe, TX-based lender offering personal loans, business loans, debt consolidation, and emergency loans with fast 24-48 hour approval.

BBB: NR

Profile signals: Texas residents in Conroe and surrounding areas needing personal loans, Small business owners seeking local business financing with published application timing

Finova Financial logo

Finova Financial

Finova Financial is a loan agency based in Cincinnati, Ohio offering personal loans. Operating extended hours daily, they serve the Cincinnati area with flexible lending solutions.

BBB: NR

Profile signals: Cincinnati-area residents who prefer in-person loan consultations over online applications, Borrowers needing flexible appointment scheduling, including weekend access

Primo Personal Loans logo

Primo Personal Loans

Cincinnati's Primo Personal Loans at 426 Walnut St provides personal loans to residents throughout Ohio.

BBB: NR

Profile signals: Consumers needing quick small loans ($100-$1,000) for emergency expenses, Borrowers seeking a quote without hard credit inquiry impact

Mortgages & Home Loans in Cincinnati

View all →
Fidelity Land Title Agency logo

Fidelity Land Title Agency

Fidelity Land Title Agency is a privately held title and closing services company operating since 1988 across seven states, serving attorneys, homeowners, lenders, and real estate professionals.

BBB: NR

Profile signals: Real estate agents and brokers conducting closings across Ohio, Kentucky, Indiana, Michigan, Tennessee, Wisconsin, and Minnesota, Mortgage lenders seeking title and closing partners in their service areas

Union Savings Bank logo

Union Savings Bank

Union Savings Bank is a Midwest community bank offering low-cost, low-rate mortgage loans across Ohio, Indiana, Kentucky, and Pennsylvania, plus full-service banking.

BBB: NR

Profile signals: First-time homebuyers in the four-state Midwest region seeking pre-approval and local guidance, VA and active military borrowers seeking VA-specific mortgage products

Insurance & Protection in Cincinnati

View all →
PFSC Inc logo

PFSC Inc

Portage Financial Services Company Inc. is an insurance provider offering financial protection products and online payment services based in Cincinnati, Ohio.

BBB: NR

Profile signals: Cincinnati-area residents seeking local insurance services, Customers who prefer established regional providers over national carriers

Your Rights in Ohio

Ohio Consumer Protections: Ohio reformed payday lending in 2018 with HB 123, capping APR at 28% and requiring minimum 91-day terms. A statewide database prevents borrower abuse. The Division of Financial Institutions regulates consumer lenders, and consumers can file complaints with the Division or the Attorney General.

Interest Rate Cap: Ohio usury cap: 28% APR cap on short-term loans (HB 123, 2018); 8% general usury. Payday lending is restricted (max $1000).

Key Regulations:
  • HB 123 (2018) reformed payday lending with 28% APR cap plus a monthly maintenance fee.
  • Short-term loans capped at $1,000 with minimum term of 91 days.
  • Monthly maintenance fee of up to 10% of original principal (max $30/month).
  • A statewide database tracks borrower loans to prevent excessive lending.

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 Ohio Attorney General Consumer Protection Section.

Research Service Guides

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

Browse Other Cities

Affiliate Disclosure: CreditDoc may earn a commission when you click links to products and services featured on this page. Compensation does not determine whether a provider can be covered or how visible star ratings are calculated. Learn more.