Review 8 credit repair companies, personal lenders, and financial services in Dayton, Ohio. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.
Dayton, OH CheckSmart on Linden Ave offers check cashing and short-term loans with extended hours.
Profile signals: Customers needing immediate check cashing or money transfer services without a bank account, Ohio residents seeking quick lending access who are comfortable visiting in person
CODE Credit Union is a member-owned financial institution serving the Miami Valley region for over 80 years, offering checking, savings, loans, credit cards, and mortgage services.
Profile signals: Individuals living or working in the Miami Valley region (Montgomery, Darke, Preble, Warren, Miami, Clark, Greene counties) seeking member-owned banking, First-time homebuyers exploring prequalification and mortgage options with personalized service
Treadwell Credit Union (formerly DayMet) is a member-owned, not-for-profit credit union serving the Miami Valley with roots dating to 1957, offering checking, savings, loans, and digital banking services.
Profile signals: GM employees and their families seeking member-owned financial institution with community roots, Miami Valley residents wanting local credit union with rate claims to verify and community involvement
Review this provider profile and compare source-linked details before choosing what to do next.
Profile signals: Review this provider profile and compare source-linked details before choosing what to do next., Review this provider profile and compare source-linked details before choosing what to do next.
Non-profit Community Action Agency providing free utility assistance, housing services, legal clinics, and financial counseling to low-income families across four Ohio counties.
Profile signals: Low-income Ohio residents (Darke, Greene, Montgomery, Preble counties) facing utility shutoff or seasonal hardship, Families seeking integrated assistance combining housing, utilities, and legal support simultaneously
HUD-approved housing counseling agency offering free guidance on homeownership, financial stability, and housing solutions through certified counselors and educational workshops.
Profile signals: First-time homebuyers seeking free guidance and education before applying for mortgages, Individuals exploring down payment assistance programs and qualifying for homebuyer initiatives
CODE Credit Union is a member-owned financial institution serving the Miami Valley region for over 80 years, offering checking, savings, loans, credit cards, and mortgage services.
Profile signals: Individuals living or working in the Miami Valley region (Montgomery, Darke, Preble, Warren, Miami, Clark, Greene counties) seeking member-owned banking, First-time homebuyers exploring prequalification and mortgage options with personalized service
Treadwell Credit Union (formerly DayMet) is a member-owned, not-for-profit credit union serving the Miami Valley with roots dating to 1957, offering checking, savings, loans, and digital banking services.
Profile signals: GM employees and their families seeking member-owned financial institution with community roots, Miami Valley residents wanting local credit union with rate claims to verify and community involvement
Universal 1 Credit Union is a member-owned, not-for-profit credit union serving the Dayton, Ohio area with multiple service centers, online banking, and shared branching access.
Profile signals: Dayton-area residents and workers seeking community-based credit union banking with local branch access, Employees of Miami Valley Hospital and affiliated organizations with dedicated on-site banking services
Review this provider profile and compare source-linked details before choosing what to do next.
Profile signals: Review this provider profile and compare source-linked details before choosing what to do next., Review this provider profile and compare source-linked details before choosing what to do next.
Non-profit Community Action Agency providing free utility assistance, housing services, legal clinics, and financial counseling to low-income families across four Ohio counties.
Profile signals: Low-income Ohio residents (Darke, Greene, Montgomery, Preble counties) facing utility shutoff or seasonal hardship, Families seeking integrated assistance combining housing, utilities, and legal support simultaneously
HUD-approved housing counseling agency offering free guidance on homeownership, financial stability, and housing solutions through certified counselors and educational workshops.
Profile signals: First-time homebuyers seeking free guidance and education before applying for mortgages, Individuals exploring down payment assistance programs and qualifying for homebuyer initiatives
Dayton, OH CheckSmart on Linden Ave offers check cashing and short-term loans with extended hours.
Profile signals: Customers needing immediate check cashing or money transfer services without a bank account, Ohio residents seeking quick lending access who are comfortable visiting in person
Board-certified bankruptcy attorney in Columbus, OH specializing in Chapter 7 and Chapter 13 filings. Over 30,000 clients served since 1986 with A+ BBB rating.
Profile signals: Columbus area residents with Chapter 7 income under Ohio median seeking comprehensive bankruptcy staff context with provider-stated operating-history context, Chapter 13 candidates interested in comparison analysis, as firm emphasizes Chapter 13 advantages over Chapter 7
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.
Use these guides with local pages, state rules, and provider profiles before contacting a company.
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