Duluth, MN

Credit Repair & Financial Services in Duluth

Review 6 credit repair companies, personal lenders, and financial services in Duluth, Minnesota. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Minnesota avg credit score: 727 Median income: $84,313 Poverty rate: 8.3% Payday loans: Legal Minnesota overview →

Featured Provider Profiles in Duluth

6 companies
Duluth Police Department Employees logo

Duluth Police Department Employees

CUScore is a directory and comparison tool for federally insured credit unions across America, providing NCUA financial data, health scores, and branch locations for 4,374 institutions.

BBB: NR

Profile signals: Consumers researching which credit union to join in their state or nationwide, People comparing financial institutions and evaluating credit unions versus banks

Lutheran Social Service of Minnesota logo

Lutheran Social Service of Minnesota

Lutheran Social Service Of Minnesota Duluth, MN — NFCC-certified nonprofit financial counseling service offering free and confidential budget, debt mana...

BBB: NR

Profile signals: Individuals in debt seeking free, nonprofit counseling context to verify before considering paid debt relief, Homeowners facing foreclosure or considering reverse mortgages

North Shore Bank of Commerce logo

North Shore Bank of Commerce

North Shore Bank of Commerce is an FDIC-insured community bank headquartered in Duluth, MN, offering personal and business banking, lending, and investment services.

BBB: NR

Profile signals: Individuals and families living in or near Duluth, MN seeking relationship-based personal banking, Small business owners in Northeastern Minnesota needing accessible local lending decisions

One Roof Community Housing logo

One Roof Community Housing

Non-profit housing organization offering homebuyer education, community land trust homes, repair loans, and tenant-landlord mediation to low-income families and individuals.

BBB: NR

Profile signals: Low-income first-time homebuyers seeking free education and CLT home purchase opportunities in their service area, Current homeowners needing affordable financing for home repairs and renovations without high income requirements

Park State Bank logo

Park State Bank

FDIC-insured bank offering checking, savings, CDs, mortgages, and business banking solutions with a community-focused approach.

BBB: NR

Profile signals: Customers seeking traditional full-service banking with local community presence, Small business owners wanting relationship-based commercial banking

Western National Bank logo

Western National Bank

Community bank with 100+ years of history offering FDIC-insured checking, savings, CDs, and online banking services.

BBB: NR

Profile signals: Duluth-area residents seeking traditional banking from an established local institution, Customers prioritizing FDIC insurance and community banking relationships

Banks in Duluth

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North Shore Bank of Commerce logo

North Shore Bank of Commerce

North Shore Bank of Commerce is an FDIC-insured community bank headquartered in Duluth, MN, offering personal and business banking, lending, and investment services.

BBB: NR

Profile signals: Individuals and families living in or near Duluth, MN seeking relationship-based personal banking, Small business owners in Northeastern Minnesota needing accessible local lending decisions

Park State Bank logo

Park State Bank

FDIC-insured bank offering checking, savings, CDs, mortgages, and business banking solutions with a community-focused approach.

BBB: NR

Profile signals: Customers seeking traditional full-service banking with local community presence, Small business owners wanting relationship-based commercial banking

Western National Bank logo

Western National Bank

Community bank with 100+ years of history offering FDIC-insured checking, savings, CDs, and online banking services.

BBB: NR

Profile signals: Duluth-area residents seeking traditional banking from an established local institution, Customers prioritizing FDIC insurance and community banking relationships

Free Help in Duluth

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Lutheran Social Service of Minnesota logo

Lutheran Social Service of Minnesota

Lutheran Social Service Of Minnesota Duluth, MN — NFCC-certified nonprofit financial counseling service offering free and confidential budget, debt mana...

BBB: NR

Profile signals: Individuals in debt seeking free, nonprofit counseling context to verify before considering paid debt relief, Homeowners facing foreclosure or considering reverse mortgages

One Roof Community Housing logo

One Roof Community Housing

Non-profit housing organization offering homebuyer education, community land trust homes, repair loans, and tenant-landlord mediation to low-income families and individuals.

BBB: NR

Profile signals: Low-income first-time homebuyers seeking free education and CLT home purchase opportunities in their service area, Current homeowners needing affordable financing for home repairs and renovations without high income requirements

Credit Unions in Duluth

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Duluth Police Department Employees logo

Duluth Police Department Employees

CUScore is a directory and comparison tool for federally insured credit unions across America, providing NCUA financial data, health scores, and branch locations for 4,374 institutions.

BBB: NR

Profile signals: Consumers researching which credit union to join in their state or nationwide, People comparing financial institutions and evaluating credit unions versus banks

Your Rights in Minnesota

Minnesota Consumer Protections: Minnesota allows payday lending with a $350 cap, tiered fee structure, and a minimum 30-day term requirement. The Department of Commerce regulates all consumer lenders. Consumers benefit from the Minnesota Consumer Fraud Act and can file complaints with the Department of Commerce or Attorney General.

Interest Rate Cap: Minnesota usury cap: 8% default; payday loans capped at $350 with tiered fees.

Key Regulations:
  • Payday loans capped at $350 with tiered fees ($5.50 per $100 up to $50, $10 per $100 on $50-$100, etc.).
  • Minimum loan term of 30 days required for payday loans.
  • Licensed consumer small loan lenders subject to tiered rate caps.
  • The Minnesota Consumer Fraud Act provides protections against high-cost 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 Minnesota 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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