Compare 8 credit repair companies, personal lenders, and financial services in Cleveland, Ohio. All independently reviewed with BBB ratings and pricing.
Splash Financial is a loan marketplace connecting borrowers with lenders nationwide for personal loans, HELOCs, student loan refinancing, and medical school loans.
Best for: Borrowers seeking student loan refinancing with diverse lender options, Medical school students and residents needing flexible repayment terms
Community savings bank in Cleveland serving the Greater Cleveland Area since 1922, offering personal banking, savings accounts, mortgages, and investment options.
Best for: Greater Cleveland area residents seeking community banking with local decision-making, Customers prioritizing long-term institutional stability and personal relationships with bank staff
Third Federal is a savings and loan offering mortgage refinancing, home equity loans, and deposit products like CDs and savings accounts since 1938.
Best for: Homeowners seeking mortgage refinancing or home equity loans in states where Third Federal operates, Savers looking for competitive CD rates and savings products with online account management
Non-profit health and human services agency offering culturally competent support including microloans, legal services, and social services for immigrant and refugee communities in Northeast Ohio.
Best for: Immigrant and refugee entrepreneurs in Northeast Ohio needing capital for business startup or expansion, Low-income small business owners unable to qualify for traditional bank financing
CHN Housing Partners is a nonprofit affordable housing developer and residential lender offering mortgages, lease-purchase programs, and homeownership counseling to build equitable communities.
Best for: Renters ready to transition to homeownership with stable income but limited credit history or poor credit, Borrowers with past credit problems (bankruptcy, late payments) seeking lenders willing to work with them
HUD-approved housing counseling agency providing free guidance on homeownership, financial stability, and housing solutions through certified counselors and community partnerships.
Best for: First-time homebuyers seeking free guidance before pursuing mortgage products, Low-to-moderate income individuals qualifying for down payment assistance programs
Non-profit health and human services agency offering culturally competent support including microloans, legal services, and social services for immigrant and refugee communities in Northeast Ohio.
Best for: Immigrant and refugee entrepreneurs in Northeast Ohio needing capital for business startup or expansion, Low-income small business owners unable to qualify for traditional bank financing
HUD-approved housing counseling agency providing free guidance on homeownership, financial stability, and housing solutions through certified counselors and community partnerships.
Best for: First-time homebuyers seeking free guidance before pursuing mortgage products, Low-to-moderate income individuals qualifying for down payment assistance programs
HUD-approved housing counseling agency providing free guidance on homeownership, financial stability, and affordable housing solutions through certified counselors and community partnerships.
Best for: First-time homebuyers seeking free guidance on down payment assistance and mortgage readiness, Low-to-moderate income individuals pursuing homeownership with institutional support and financial counseling
CHN Housing Partners is a nonprofit affordable housing developer and residential lender offering mortgages, lease-purchase programs, and homeownership counseling to build equitable communities.
Best for: Renters ready to transition to homeownership with stable income but limited credit history or poor credit, Borrowers with past credit problems (bankruptcy, late payments) seeking lenders willing to work with them
NACA offers character-based mortgages with no down payment, no closing costs, and no mortgage insurance, prioritizing affordable homeownership over credit scores.
Best for: First-time homebuyers with limited savings who cannot afford a down payment, Borrowers with poor or no credit history who are denied by traditional mortgage lenders
Community savings bank in Cleveland serving the Greater Cleveland Area since 1922, offering personal banking, savings accounts, mortgages, and investment options.
Best for: Greater Cleveland area residents seeking community banking with local decision-making, Customers prioritizing long-term institutional stability and personal relationships with bank staff
Third Federal is a savings and loan offering mortgage refinancing, home equity loans, and deposit products like CDs and savings accounts since 1938.
Best for: Homeowners seeking mortgage refinancing or home equity loans in states where Third Federal operates, Savers looking for competitive CD rates and savings products with online account management
Splash Financial is a loan marketplace connecting borrowers with lenders nationwide for personal loans, HELOCs, student loan refinancing, and medical school loans.
Best for: Borrowers seeking student loan refinancing with diverse lender options, Medical school students and residents needing flexible repayment terms
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).
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.
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