Compare 44 credit repair companies, personal lenders, and financial services in Detroit, Michigan. All independently reviewed with BBB ratings and pricing.
ABD Federal Credit Union is a member-owned financial cooperative operating since 1947, offering savings, checking, loans, and online banking services to eligible members.
Best for: Eligible members seeking competitive auto and boat loan rates, Consumers who prefer digital-first banking with mobile app access and online bill pay
Budget Planners offers debt consolidation and credit counseling services in Detroit, Michigan, helping consumers merge multiple debts into manageable payment plans without loans.
Best for: Michigan residents with $10K-$50K in unsecured credit card debt across multiple cards, Consumers paying 15%+ interest rates seeking to consolidate into single manageable payments
Speedy Payday Loans is a free loan-matching service connecting borrowers with short-term lenders for bad credit, personal, and payday loans, with next-business-day funding possible.
Best for: Borrowers with bad or no credit who need fast access to short-term loan options, Consumers who want to cast a wide net across multiple lenders with one application
Federal credit union serving UAW members and affiliates with online banking, loans, and shared branch access through the CO-OP network.
Best for: UAW union members and retirees seeking member-owned financial services with competitive rates, Auto industry workers wanting employer-integrated payroll deduction and direct deposit services
Motor City Match provides grants, technical assistance, and facilitated lending to Detroit entrepreneurs from business planning through launch and expansion.
Best for: Early-stage Detroit entrepreneurs with business ideas seeking free planning assistance and grant funding rather than debt, Minority-owned and women-owned business founders in Detroit with limited access to traditional small business financing
Michigan-based credit union offering personal loans, vehicle loans, mortgages, and deposit accounts with rewards credit cards and online banking.
Best for: Michigan residents seeking a full-service credit union alternative to traditional banks, Members interested in simple cash-back rewards without category restrictions
Detroit-based check cashing service specializing in large checks including tax refunds, settlements, and 401(k) disbursements with same-day cash access.
Best for: Unbanked or underbanked individuals who need immediate cash from large checks, Customers with tax refund, settlement, or 401(k) checks seeking same-day access
Boulevard Check Cashing offers check cashing services in Detroit, MI, located next to Henry Ford Hospital. They cash checks and provide discount coupons for larger deposits.
Best for: Detroit-area residents and workers without bank accounts seeking immediate cash, Hospital employees near Henry Ford who need quick check cashing access
A1 Check Cashing is a Detroit-based check cashing service offering same-day payouts for payroll, settlement, tax refund, and large checks with competitive fees.
Best for: Unbanked or underbanked Detroit residents needing immediate cash from payroll or settlement checks, Business owners requiring same-day access to corporate check funds
Detroit Check Cashing offers same-day check cashing for all sizes, debit card cash withdrawals, money orders, and bill payment services with minimal fees at their Grand River Avenue location.
Best for: Unbanked or underbanked Detroit-area residents needing immediate check access without bank accounts, Individuals cashing large checks such as tax refunds or settlement payments seeking same-day funds
Detroit-based check cashing service offering same-day payouts for all check types and debit card cash withdrawals with no limits, claiming lowest fees in Michigan.
Best for: Unbanked and underbanked individuals without traditional bank accounts needing immediate funds, Gig workers and freelancers with non-standard income streams requiring quick access to checks
Located at 350 E Warren Ave in Detroit, MI, this MoneyGram location provides check-cashing and financial services to the local community with extended daily hours.
Best for: Consumers without traditional bank accounts needing check cashing or money transfers, People sending money to family or friends who need fast, accessible service
Florida-licensed short-term lender offering single-payment loans up to $500 and installment loans up to $1,000 through in-person branch locations only.
Best for: Consumers with immediate emergency cash needs ($300–$1,000) who can visit a physical branch location, Individuals unable to qualify for traditional bank loans but who have stable income and valid ID
Detroit, MI's Advance America at 18345 Plymouth Rd offers quick payday and title loans with convenient hours.
Best for: Working adults facing a genuine short-term cash emergency before their next paycheck, Consumers with poor or no credit history who do not qualify for bank loans or credit union products
ACE Cash Express offers payday loans, title loans, check cashing, and installment loans at 750+ locations nationwide since 1968, with same-day funding available.
Best for: Consumers needing immediate cash for emergencies with no access to traditional bank loans, Those who prefer in-person service and relationship-based lending over fully automated online loans
Detroit, MI: Advance America at 14640 Mack Ave provides payday loans, title loans, and check cashing, Mon–Sat.
Best for: Workers facing a short-term cash gap before their next paycheck with no credit card available, Borrowers with poor or thin credit who cannot qualify for a traditional personal loan
Capital Payday Loans is a free online referral service connecting consumers with payday and short-term lenders. The company does not lend directly but matches applicants to third-party lenders.
Best for: Consumers with bad credit seeking emergency cash who want to compare multiple lenders without individual applications, Borrowers needing fast funding who value time-saving simultaneous multi-lender submission
Cash Giant of Southfield offers payday loans and emergency cash advances up to $2,500 with same-day or next-day funding through a simple online application.
Best for: Consumers facing genuine short-term cash emergencies with no access to credit cards or bank loans, Workers with immediate unexpected expenses (medical, auto repair, utilities) and stable income to repay quickly
ABD Federal Credit Union is a member-owned financial cooperative operating since 1947, offering savings, checking, loans, and online banking services to eligible members.
Best for: Eligible members seeking competitive auto and boat loan rates, Consumers who prefer digital-first banking with mobile app access and online bill pay
Federal credit union serving UAW members and affiliates with online banking, loans, and shared branch access through the CO-OP network.
Best for: UAW union members and retirees seeking member-owned financial services with competitive rates, Auto industry workers wanting employer-integrated payroll deduction and direct deposit services
Michigan-based credit union offering personal loans, vehicle loans, mortgages, and deposit accounts with rewards credit cards and online banking.
Best for: Michigan residents seeking a full-service credit union alternative to traditional banks, Members interested in simple cash-back rewards without category restrictions
IM Detroit District Credit Union is a state-chartered Michigan credit union established in 1957, serving over 500 members with $2M in assets from its single Detroit branch.
Best for: Detroit-based residents seeking personalized community credit union banking, Members prioritizing lower fees and better rates through not-for-profit structure
Motor City Match provides grants, technical assistance, and facilitated lending to Detroit entrepreneurs from business planning through launch and expansion.
Best for: Early-stage Detroit entrepreneurs with business ideas seeking free planning assistance and grant funding rather than debt, Minority-owned and women-owned business founders in Detroit with limited access to traditional small business financing
Capdeck Business Loans Detroit, Michigan — Capdeck provides small business funding through term loans, lines of credit, merchant cash advances, SBA loan...
Best for: Small business owners seeking fast capital without extensive documentation, Businesses with recurring credit card sales looking for merchant cash advances
NACA is a national non-profit housing service organization with 40+ offices providing free homeownership counseling, mortgage assistance, and affordable lending programs.
Best for: First-time homebuyers seeking free non-profit counseling in the Detroit area, Consumers interested in affordable mortgage products through a community-focused organization
Wayne Metro Community Action Agency is a nonprofit serving southeastern Michigan with 100+ programs focused on housing, family stability, and economic opportunities. They offer free counseling and assistance to over 130,000 individuals annually.
Best for: Low-income Detroit and Wayne County residents needing housing assistance or property tax relief, Families seeking economic stability programs and financial counseling
Budget Planners offers debt consolidation and credit counseling services in Detroit, Michigan, helping consumers merge multiple debts into manageable payment plans without loans.
Best for: Michigan residents with $10K-$50K in unsecured credit card debt across multiple cards, Consumers paying 15%+ interest rates seeking to consolidate into single manageable payments
Speedy Payday Loans is a free loan-matching service connecting borrowers with short-term lenders for bad credit, personal, and payday loans, with next-business-day funding possible.
Best for: Borrowers with bad or no credit who need fast access to short-term loan options, Consumers who want to cast a wide net across multiple lenders with one application
Detroit-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings for consumer debtors. Offers free consultations and 50+ years of combined experience.
Best for: Detroit-area residents facing foreclosure, wage garnishment, or creditor harassment, Consumers with primarily unsecured debt (credit cards, medical bills) considering Chapter 7 or Chapter 13
Nationwide Credit Clearing is a Chicago and Phoenix-based credit repair firm with 25+ years of experience disputing inaccurate items on credit reports to improve consumer credit scores.
Best for: Consumers in Illinois or Arizona with inaccurate negative items on credit reports, People preparing to apply for mortgages or auto loans within 3-6 months
People Driven Credit Union's PD Quick Cash offers $500-$2,000 short-term loans with no credit check, 19.99% base APR (up to 34.298%), and same-day funding for members with 6+ months direct deposit history.
Best for: Credit union members with 6+ months membership and active direct deposit seeking small emergency loans without credit evaluation, Borrowers with poor credit history or thin credit files who cannot qualify for traditional personal 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. HUD-approved counselors in Detroit offer free guidance at consumerfinance.gov.
Our editors reviewed hundreds of companies to find the best options nationwide.
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