Compare 5 credit repair companies, personal lenders, and financial services in Duluth, Minnesota. All independently reviewed with BBB ratings and pricing.
North Shore Bank of Commerce is an FDIC-insured community bank headquartered in Duluth, MN, offering personal and business banking, lending, and investment services.
Best for: 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
FDIC-insured bank offering checking, savings, CDs, mortgages, and business banking solutions with a community-focused approach.
Best for: Customers seeking traditional full-service banking with local community presence, Small business owners wanting relationship-based commercial banking
Community bank with 100+ years of history offering FDIC-insured checking, savings, CDs, and online banking services.
Best for: Duluth-area residents seeking traditional banking from an established local institution, Customers prioritizing FDIC insurance and community banking relationships
Non-profit housing organization offering homebuyer education, community land trust homes, repair loans, and tenant-landlord mediation to low-income families and individuals.
Best for: 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
Lutheran Social Service Of Minnesota Duluth, MN — NFCC-certified nonprofit financial counseling service offering free and confidential budget, debt mana...
Best for: Individuals in debt seeking free, legitimate nonprofit counseling before considering paid debt relief, Homeowners facing foreclosure or considering reverse mortgages
North Shore Bank of Commerce is an FDIC-insured community bank headquartered in Duluth, MN, offering personal and business banking, lending, and investment services.
Best for: 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
FDIC-insured bank offering checking, savings, CDs, mortgages, and business banking solutions with a community-focused approach.
Best for: Customers seeking traditional full-service banking with local community presence, Small business owners wanting relationship-based commercial banking
Community bank with 100+ years of history offering FDIC-insured checking, savings, CDs, and online banking services.
Best for: Duluth-area residents seeking traditional banking from an established local institution, Customers prioritizing FDIC insurance and community banking relationships
Non-profit housing organization offering homebuyer education, community land trust homes, repair loans, and tenant-landlord mediation to low-income families and individuals.
Best for: 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
Lutheran Social Service Of Minnesota Duluth, MN — NFCC-certified nonprofit financial counseling service offering free and confidential budget, debt mana...
Best for: Individuals in debt seeking free, legitimate nonprofit counseling before considering paid debt relief, Homeowners facing foreclosure or considering reverse mortgages
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.
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.
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