Decatur, GA

Credit Repair & Financial Services in Decatur

Review 17 credit repair companies, personal lenders, and financial services in Decatur, Georgia. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Georgia avg credit score: 691 Median income: $71,355 Poverty rate: 12.1% Payday loans: Banned Georgia overview →

Featured Provider Profiles in Decatur

17 companies
Platinum Federal Credit Union logo

Platinum Federal Credit Union

Platinum Federal Credit Union is a member-owned financial institution serving Shia Imami Ismaili Muslims in the United States, offering comprehensive banking, lending, and investment services.

5.0/5

Google rating from 18 reviews

BBB: NR

Profile signals: Shia Imami Ismaili Muslim individuals and families seeking community-focused banking aligned with their values, Small business owners needing integrated business checking, lending, and merchant services

The Financial Paramedic logo

The Financial Paramedic

The Financial Paramedic offers credit repair and tax preparation in Decatur, Georgia, with credit monitoring, credit restoration programs, and IRS-authorized tax filing for Georgia residents.

5.0/5

Google rating from 142 reviews

BBB: NR

Profile signals: Consumers in Decatur, Georgia looking for credit repair services, People who prefer working with a local credit repair provider

ACE Cash Express logo

ACE Cash Express

Decatur, GA's ACE Cash Express at 3570 Memorial Drive offers payday and title loans with convenient Mon-Sat hours.

BBB: NR

Profile signals: Consumers researching short-term cash access who prefer in-person transactions at physical locations, People requiring multiple financial services (loans, check cashing, bill payment) at one provider

ACE Cash Express logo

ACE Cash Express

Decatur, GA ACE Cash Express location provides payday and title loans at 4065 Memorial Dr.

BBB: NR

Profile signals: Consumers researching short-term cash access who prefer in-person transactions at physical locations, Individuals with vehicle titles seeking collateral-based emergency loans

Atlanta Cash It Here logo

Atlanta Cash It Here

Check cashing and payday loan provider in Decatur, GA offering short-term cash access services with extended hours. Currently rated 2.2/5 stars based on 26 customer reviews.

BBB: NR

Profile signals: Consumers in Decatur, GA researching short-term cash access outside standard banking hours, Individuals with valid checks requiring quick conversion to cash

Atlanta Legal Aid Society, Inc. logo

Atlanta Legal Aid Society, Inc.

Atlanta Legal Aid Society provides free civil legal services to low-income residents across metro Atlanta, operating five neighborhood offices and serving nearly 21,000 cases annually since 1924.

BBB: NR

Profile signals: Low-income residents facing eviction or housing instability in metro Atlanta, Domestic violence victims seeking custody, child support, or protective orders

Emergency Cash in Decatur

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ACE Cash Express logo

ACE Cash Express

Decatur, GA's ACE Cash Express at 3570 Memorial Drive offers payday and title loans with convenient Mon-Sat hours.

BBB: NR

Profile signals: Consumers researching short-term cash access who prefer in-person transactions at physical locations, People requiring multiple financial services (loans, check cashing, bill payment) at one provider

ACE Cash Express logo

ACE Cash Express

Decatur, GA ACE Cash Express location provides payday and title loans at 4065 Memorial Dr.

BBB: NR

Profile signals: Consumers researching short-term cash access who prefer in-person transactions at physical locations, Individuals with vehicle titles seeking collateral-based emergency loans

Res Q Cash Advance logo

Res Q Cash Advance

Res Q Cash Advance offers emergency cash loans in Decatur, GA. Located on Memorial Drive, they provide quick funding for short-term financial needs.

BBB: NR

Profile signals: Local Decatur residents researching short-term cash access without online application process, Customers who prefer in-person interaction before borrowing decisions

TitleBucks Title Pawns logo

TitleBucks Title Pawns

TitleBucks Title Pawns Decatur, Georgia — TitleBucks offers fast title pawns on vehicles and motorcycles, providing emergency cash in as little as 30 mi...

BBB: NR

Profile signals: Individuals with vehicle equity researching emergency-cash options in under 1-2 hours, Borrowers with poor credit who may not meet traditional personal-loan criteria

TitleMax Title Pawns logo

TitleMax Title Pawns

Decatur, GA's TitleMax Title Pawns location at 3665 Flat Shoals Rd offers quick title pawn services with extended weekday and Saturday hours.

BBB: NR

Profile signals: Vehicle owners with poor or no credit history facing a genuine cash emergency, Consumers who have been declined by banks, credit unions, and personal loan lenders

Pawn Shops in Decatur

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Candler Pawn & Gun Shop logo

Candler Pawn & Gun Shop

Candler Rd Pawn & Gun is a 40+ year-old Atlanta-area pawn shop offering collateral-based loans, buying, selling, and layaway services on firearms, jewelry, electronics, and other goods.

BBB: NR

Profile signals: Consumers with collateral (jewelry, firearms, electronics) who are researching short-term cash access and may not meet traditional bank-loan criteria, Atlanta-area firearms buyers seeking both retail new inventory and used gun selection in one location

Cash America Pawn logo

Cash America Pawn

Decatur, GA's Cash America Pawn at 3530 Memorial Dr offers short-term cash access loans for personal items with convenient hours.

BBB: NR

Profile signals: Consumers with urgent expense research who lack access to traditional credit or have poor credit scores, People with valuable items (jewelry, electronics, instruments) they're willing to temporarily surrender for short-term cash access

TitleBucks Title Pawns logo

TitleBucks Title Pawns

TitleBucks Title Pawns Decatur, Georgia — TitleBucks offers car title pawns and personal installment loans, letting customers use their vehicle title as...

BBB: A+

Profile signals: Consumers who own a vehicle outright with a clear title and need same-day emergency cash, Borrowers with poor or limited credit history who may not meet traditional bank-loan criteria

TitleMax Title Pawns logo

TitleMax Title Pawns

Decatur, GA's TitleMax Title Pawns at 3454 Memorial Dr provides title pawn loans and short-term cash access solutions for residents.

BBB: F

Profile signals: Vehicle owners with no credit or severely damaged credit who need cash immediately and have no other options, Borrowers who can repay the full balance within the first billing cycle to limit interest exposure

Free Help in Decatur

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Atlanta Legal Aid Society, Inc. logo

Atlanta Legal Aid Society, Inc.

Atlanta Legal Aid Society provides free civil legal services to low-income residents across metro Atlanta, operating five neighborhood offices and serving nearly 21,000 cases annually since 1924.

BBB: NR

Profile signals: Low-income residents facing eviction or housing instability in metro Atlanta, Domestic violence victims seeking custody, child support, or protective orders

Hillman Financial Services logo

Hillman Financial Services

Atlanta-based financial services firm offering tax preparation, credit coaching, and financial coaching led by CEO Bianca D. Hillman, a Certified Financial Coach.

BBB: NR

Profile signals: Small business owners preparing business taxes for the first time and needing patient guidance, Individuals with limited financial literacy seeking personalized help with budgeting and credit improvement

Morningstar Urban Development, Inc. logo

Morningstar Urban Development, Inc.

HUD-approved nonprofit housing counselor in Decatur serving metro Atlanta with free homebuyer education, mortgage counseling, and foreclosure prevention services.

BBB: NR

Profile signals: First-time homebuyers in metro Atlanta seeking unbiased pre-purchase education and mortgage guidance, Homeowners behind on mortgage payments or at risk of foreclosure seeking federal assistance navigation

Check Cashing & Money Services in Decatur

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Atlanta Cash It Here logo

Atlanta Cash It Here

Check cashing and payday loan provider in Decatur, GA offering short-term cash access services with extended hours. Currently rated 2.2/5 stars based on 26 customer reviews.

BBB: NR

Profile signals: Consumers in Decatur, GA researching short-term cash access outside standard banking hours, Individuals with valid checks requiring quick conversion to cash

Western Union logo

Western Union

Decatur, GA Western Union provides check cashing and money transfer services at Check Cashers, open 7AM-10PM weekdays and limited weekend hours.

BBB: NR

Profile signals: Consumers needing convenient cash pickup from retail locations during business hours, Immigrants and expatriates sending international remittances to family abroad

Credit Repair in Decatur

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The Financial Paramedic logo

The Financial Paramedic

The Financial Paramedic offers credit repair and tax preparation in Decatur, Georgia, with credit monitoring, credit restoration programs, and IRS-authorized tax filing for Georgia residents.

5.0/5

Google rating from 142 reviews

BBB: NR

Profile signals: Consumers in Decatur, Georgia looking for credit repair services, People who prefer working with a local credit repair provider

Pearson Unlimited Inc a Firefly Agency logo

Pearson Unlimited Inc a Firefly Agency

Financial advisor firm in Decatur, GA operating as part of Firefly Agency network. Limited publicly available information about specific services offered.

BBB: NR

Profile signals: Georgia residents seeking general financial advisory services, Consumers looking for local financial professionals in Decatur area

Credit Unions in Decatur

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Platinum Federal Credit Union logo

Platinum Federal Credit Union

Platinum Federal Credit Union is a member-owned financial institution serving Shia Imami Ismaili Muslims in the United States, offering comprehensive banking, lending, and investment services.

5.0/5

Google rating from 18 reviews

BBB: NR

Profile signals: Shia Imami Ismaili Muslim individuals and families seeking community-focused banking aligned with their values, Small business owners needing integrated business checking, lending, and merchant services

Your Rights in Georgia

Georgia Consumer Protections: Georgia bans payday lending and treats violations as felony racketeering, providing among the strongest anti-payday protections in the country. Licensed installment lenders are regulated by the Department of Banking and Finance. Consumers can file complaints through the Governor's Office of Consumer Protection.

Interest Rate Cap: Georgia usury cap: 5% simple interest (7% contract rate); payday lending banned under industrial loan act repeal. Payday lending is banned in this state.

Key Regulations:
  • Payday lending is banned; Georgia repealed the industrial loan act that authorized small loans.
  • The Georgia Industrial Loan Act criminalizes payday-style lending as a felony racketeering offense.
  • Licensed installment lenders can charge tiered rates up to 60% for smallest loans.
  • Georgia Fair Lending Act regulates high-cost home loans.

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 Georgia Attorney General Consumer Protection Division.

Research Service Guides

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

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