Compare 65 credit repair companies, personal lenders, and financial services in Jacksonville, Florida. All independently reviewed with BBB ratings and pricing.
Jacksonville-based bankruptcy law firm offering affordable Chapter 7 and Chapter 13 filing with $0 down and payments starting at $189/month.
Best for: Middle-income individuals with unsecured debt (credit cards, medical bills) seeking affordable Chapter 7 liquidation, Families facing foreclosure or struggling with multiple creditor accounts who need debt reorganization
Century Law Firm offers personalized debt resolution and defense strategies through US-based legal representation, focusing on credit card debt management and consumer protection against creditors.
Best for: Consumers with multiple high-interest credit card debts seeking legal representation, Individuals looking for personalized debt management strategies beyond DIY approaches
Community First Credit Union of Florida is a member-owned financial institution offering checking, savings, loans, mortgages, and credit cards with a focus on local banking and financial wellness.
Best for: Florida residents seeking personalized local banking with community-focused service, Consumers prioritizing financial education and wellness resources alongside banking services
Jacksonville-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, debt settlement, and foreclosure defense for Florida residents.
Best for: Jacksonville-area residents facing Chapter 7 or Chapter 13 bankruptcy filing who prioritize attorney accessibility and communication, Homeowners in foreclosure seeking integrated legal defense and bankruptcy planning
National law firm specializing in debt settlement and collection defense with 25+ attorneys serving 47 states. Endorsed by The Dave Ramsey Show.
Best for: Consumers with $20,000+ in unsecured debt (credit cards, personal loans) seeking negotiated settlements, Individuals being actively sued by creditors or collection agencies who need legal defense representation
D.C. Higginbotham is a Jacksonville-based bankruptcy attorney with nearly 30 years of experience handling Chapter 7 and Chapter 13 cases, offering flat-fee representation and free consultations.
Best for: North Florida residents facing foreclosure, repossession, or wage garnishment who need immediate debt relief, Individuals and families with unsecured debt seeking Chapter 7 liquidation or Chapter 13 reorganization
Jacksonville-based bankruptcy law firm offering affordable Chapter 7 and Chapter 13 filing with $0 down and payments starting at $189/month.
Best for: Middle-income individuals with unsecured debt (credit cards, medical bills) seeking affordable Chapter 7 liquidation, Families facing foreclosure or struggling with multiple creditor accounts who need debt reorganization
Jacksonville-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, debt settlement, and foreclosure defense for Florida residents.
Best for: Jacksonville-area residents facing Chapter 7 or Chapter 13 bankruptcy filing who prioritize attorney accessibility and communication, Homeowners in foreclosure seeking integrated legal defense and bankruptcy planning
D.C. Higginbotham is a Jacksonville-based bankruptcy attorney with nearly 30 years of experience handling Chapter 7 and Chapter 13 cases, offering flat-fee representation and free consultations.
Best for: North Florida residents facing foreclosure, repossession, or wage garnishment who need immediate debt relief, Individuals and families with unsecured debt seeking Chapter 7 liquidation or Chapter 13 reorganization
Jacksonville-based law firm specializing in Chapter 7 and Chapter 13 bankruptcy, plus family law services including divorce and custody.
Best for: Individuals filing personal Chapter 7 or Chapter 13 bankruptcy in Northeast Florida seeking affordable legal representation with flexible payment options, Small business owners in Jacksonville area needing Chapter 11 restructuring or business bankruptcy guidance
Jacksonville-based bankruptcy law firm offering Chapter 7, Chapter 13, foreclosure defense, and credit rebuilding services since 1994. Serves Northeast Florida with personalized debt relief.
Best for: Jacksonville-area homeowners facing foreclosure who want to combine bankruptcy protection with home defense, Individuals with multiple debt types (credit cards, medical, mortgage) needing comprehensive restructuring
Jacksonville-based bankruptcy law firm offering Chapter 7 and Chapter 13 filing services, foreclosure defense, and real estate law with nearly a decade of attorney experience.
Best for: Florida residents in the Jacksonville area facing Chapter 7 or Chapter 13 bankruptcy filing needs, Homeowners in foreclosure proceedings requiring legal defense and representation
Community First Credit Union of Florida is a member-owned financial institution offering checking, savings, loans, mortgages, and credit cards with a focus on local banking and financial wellness.
Best for: Florida residents seeking personalized local banking with community-focused service, Consumers prioritizing financial education and wellness resources alongside banking services
RadiFi Credit Union's Northside Jacksonville branch offers member banking with checking, savings, loans, and mortgage services since 1935.
Best for: Jacksonville residents seeking competitive savings rates on CDs and high-yield checking accounts, Homebuyers interested in mortgage refinancing or purchase financing with local NMLS-licensed originators
RadiFi Credit Union's Park Street Branch in Jacksonville offers full-service banking with checking, savings, loans, and wealth advisory services to members in the historic Riverside neighborhood.
Best for: Jacksonville residents in or near the Riverside neighborhood seeking personalized, face-to-face banking with competitive savings rates, Credit union members looking for auto refinancing or mortgage products with promotional rate reductions
VyStar Credit Union is a Florida and Georgia-based credit union offering checking, savings, loans, investments, and insurance products with a focus on military support and community involvement.
Best for: Military members and veterans seeking dedicated financial support and military-specific discounts, Florida and Georgia residents seeking comprehensive financial services from a single local credit union
Publix Employees Federal Credit Union is a member-owned financial institution serving Publix Super Markets employees and retirees with competitive loan rates, online banking, and multiple branch locations across Florida and Georgia.
Best for: Current and retired Publix Super Markets employees seeking competitive loan rates and member-owned credit union benefits, Publix employees looking to refinance existing auto loans at lower rates
RadiFi Credit Union's Westside Jacksonville branch offers membership-based banking with checking, savings, loans, and mortgage services. Serving the community since 1935 with competitive rates and personalized member support.
Best for: Military members and families stationed at or near Naval Air Station Jacksonville seeking community-focused credit union banking, Homebuyers in Westside Jacksonville looking for in-person mortgage origination with local branch support
Jax Jewelry & Pawn operates two Jacksonville locations offering collateral-based loans and cash purchases on jewelry, gold, firearms, electronics, and merchandise. Claims over 100 years in business with focus on fair pricing and customer service.
Best for: Consumers with valuable jewelry, gold, or collectible items needing immediate cash without credit checks, People in temporary financial hardship who can repay within weeks and want to retrieve pledged items
Family-owned pawn shop since 1998 specializing in jewelry, gold, Rolex watches, and collateral-based loans. Buys gift cards, coins, and high-end merchandise.
Best for: People needing immediate cash who own jewelry, watches, gold, or other valuables and prefer collateral loans to unsecured debt, Sellers of precious metals or Rolex watches seeking cash-for-goods transactions without shipping hassles
Cash City Pawn is a Jacksonville, Florida pawn shop specializing in firearms, jewelry, electronics, and tools with competitive pricing and knowledgeable staff.
Best for: Firearms owners and enthusiasts seeking specialized knowledge and firearms transactions, People selling items outright for cash who value competitive valuations
Gold Star Jewelry & Pawn buys, sells, and trades jewelry, watches, collectibles, and other valuables with over 35 years of experience in Jacksonville, Florida.
Best for: Customers in Jacksonville with valuable jewelry, watches, or collectibles seeking immediate cash, Buyers searching for pre-owned designer merchandise, vintage antiques, or specialty items at negotiated prices
Money Bridge Pawn & Loan operates 3 Jacksonville-area pawn shops offering fast cash loans on collateral and discounted merchandise sales.
Best for: Consumers who need immediate cash and have valuable collateral but poor/no credit, People seeking quick short-term loans without credit checks or applications
Money Mizer Pawns and Jewelers operates two Jacksonville locations offering collateral-based loans, jewelry sales, and firearms dealing through licensed FFL status.
Best for: Consumers with valuable personal items (jewelry, electronics, firearms) seeking immediate cash, Customers looking to purchase discounted used merchandise via eBay or in-store
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Best for: Consumers in Jacksonville, Florida looking for credit repair services, People who prefer working with a local credit repair provider
Dispute Queen LLC is a credit repair specialist based in Jacksonville, FL, offering credit dispute and repair services through certified consultants.
Best for: Jacksonville, Florida residents with credit report errors, Consumers seeking local, in-person credit repair consultation
Jacksonville Credit Repair offers credit dispute resolution, report analysis, and score improvement strategies through licensed professionals serving the Jacksonville, FL area.
Best for: Jacksonville-area residents with inaccurate negative items on credit reports seeking local in-person service, Consumers who have been denied credit and want professional dispute assistance
Ovation Credit Services was a LendingTree subsidiary offering credit repair services from Jacksonville, FL. The company ceased operations in April 2023. BBB profile shows business is closed. Former BBB A+ rating.
Best for: This company is no longer operational. Consumers should explore active alternatives such as The Credit People, Credit Saint, or Sky Blue Credit for similar credit repair services.
Jacksonville-based tax and credit repair service offering credit consultations with 90-day action plans, tax preparation, and notary services.
Best for: Jacksonville residents seeking bundled tax and credit services at one location, Self-employed/1099 earners needing free tax prep combined with credit review
Royal Blue Financial Services offers credit repair, credit education, and tax preparation services. Based in Jacksonville, FL, they focus on helping clients improve their credit profiles.
Best for: Jacksonville, FL residents seeking local credit repair with in-person consultation, Consumers wanting bundled credit and tax services from a single provider
Coast2Coast Mortgage is a Jacksonville-based lender offering conventional, FHA, VA, USDA, and specialized mortgage products including investment property and foreign national loans.
Best for: Real estate investors seeking specialized DSCR, pad split, or short-term rental financing, Self-employed professionals and business owners with non-traditional income documentation
First Coast Mortgage Funding is a Jacksonville-based mortgage lender offering home purchase and refinance loans through a team of licensed loan officers including Eric Carson.
Best for: First-time homebuyers in the Jacksonville, Florida area seeking personalized guidance, Servicemembers and military families relocating or purchasing homes
Forever Home Loans is a Florida-based mortgage broker offering purchase and refinance loans including FHA, VA, USDA, conventional, and jumbo mortgages with emphasis on streamlined digital processing.
Best for: Florida homebuyers and homeowners seeking to refinance using government-backed programs (FHA, VA, USDA), High-net-worth borrowers needing jumbo loans above conventional loan limits
Halvorsen Team is a Jacksonville-based mortgage lender offering home purchase, refinance, and renovation loans across Florida, Georgia, and West Virginia with a focus on fast closings and personalized service.
Best for: Florida, Georgia, or West Virginia homebuyers seeking referral-based mortgage services with emphasis on responsive, personalized attention, Borrowers with complex mortgage situations (reverse mortgages, pre-foreclosure, multi-party complications) who need loan officers willing to advocate beyond standard duties
BridgeWell Capital is a private hard money lender in Jacksonville offering fast real estate investment loans (fix-and-flip, cash-out refi, commercial) with closings in as little as 10 days.
Best for: Real estate fix-and-flip investors needing fast capital and flexible underwriting for renovation projects, Commercial real estate investors purchasing or refinancing office, retail, or mixed-use properties
Kristine Kennedy is a Branch Manager (NMLS #227275) at GFS Home Loans in Jacksonville, FL, offering mortgage services including purchases, refinances, and home construction financing.
Best for: Jacksonville-area homebuyers seeking a relationship-based approach with a single loan officer, Borrowers refinancing mortgages who value educational guidance on rate comparison and break-even analysis
American Consumer Credit Counseling (ACCC) is a BBB A+-rated nonprofit offering free credit counseling and Debt Management Plans to help Jacksonville residents consolidate and pay off credit card debt faster.
Best for: Jacksonville residents with multiple credit cards struggling to manage payments and seeking lower interest rates, Consumers seeking structured debt payoff plans without taking on new loans or debt settlement
National nonprofit providing free NFCC and HUD-certified financial counseling, debt management programs, and housing assistance since 1961.
Best for: Individuals with high-interest credit card debt seeking consolidation and interest rate negotiation, Homeowners facing foreclosure or considering reverse mortgages seeking HUD-certified guidance
Jacksonville Area Legal Aid is a nonprofit law firm providing free and reduced-fee legal services to low-income individuals across North Florida since 1937.
Best for: Low-income individuals and families in North Florida facing eviction, family law disputes, or housing-related legal issues, Moderate-income families in Duval, Clay, and Nassau counties seeking affordable legal assistance through the FLARE sliding-scale program
National nonprofit credit counseling and HUD-approved housing counselor network offering free debt relief, credit building, and homeownership guidance since 1974.
Best for: Homebuyers seeking free pre-purchase education and credit counseling before applying for mortgages, Reverse mortgage inquirers needing federally required counseling before proceeding with application
NACA is a non-profit housing advocacy organization offering character-based mortgage lending and HUD-approved housing counseling to help underserved communities achieve affordable homeownership.
Best for: Low-to-moderate income borrowers with poor or no credit history seeking first-time homeownership, Borrowers priced out of traditional mortgages due to down payment requirements or closing costs
HUD-certified nonprofit housing counselor and community development organization serving low-to-moderate income individuals in Florida and Georgia since 2001.
Best for: First-time homebuyers seeking free pre-purchase counseling and down payment assistance guidance, Low-to-moderate income families wanting to understand wealth-building strategies
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Best for: Consumers in Jacksonville, Florida looking for emergency lending services, People who prefer working with a local emergency lending provider
United Bad Credit Loans is a loan marketplace that connects consumers with bad credit to third-party lenders offering fast emergency loans, without charging fees for its service.
Best for: Consumers with bad credit who have been rejected by traditional banks and need emergency cash quickly, People seeking to compare multiple lender offers simultaneously without applying directly to each
Jacksonville-based personal lender offering $500–$5,000 loans with 12–18 month terms and a 35.9% APR. Fast approval with flexible repayment options.
Best for: Borrowers in the Jacksonville/North Port area with moderate credit who prefer in-person lending relationships, Consumers needing $1,000–$5,000 with ability to repay over 12–18 months rather than 2–4 weeks
Century Law Firm offers personalized debt resolution and defense strategies through US-based legal representation, focusing on credit card debt management and consumer protection against creditors.
Best for: Consumers with multiple high-interest credit card debts seeking legal representation, Individuals looking for personalized debt management strategies beyond DIY approaches
National law firm specializing in debt settlement and collection defense with 25+ attorneys serving 47 states. Endorsed by The Dave Ramsey Show.
Best for: Consumers with $20,000+ in unsecured debt (credit cards, personal loans) seeking negotiated settlements, Individuals being actively sued by creditors or collection agencies who need legal defense representation
EverBank is an FDIC-insured national bank offering high-yield savings accounts, CDs, checking, and money market accounts with competitive rates and no monthly fees.
Best for: Rate-conscious savers seeking competitive yields on savings and CD products, Customers prioritizing digital/mobile banking convenience over branch access
Florida Capital Bank is a community-focused business bank offering commercial lending, checking accounts, and cash management solutions with local decision-making and personalized service.
Best for: Small to mid-sized businesses seeking personalized lending relationships with local decision-making, Business owners wanting interest-bearing checking accounts that reward higher balances
Bryte Payment Solutions is a merchant payment processor offering point-of-sale systems and credit card processing with low or no-fee options for retail, hospitality, and e-commerce businesses.
Best for: Retail businesses seeking to reduce payment processing costs through custom solutions, Hospitality venues (restaurants, bars) needing integrated POS and inventory management
Core Global Financial offers secured credit cards, credit builder loans, tradeline purchases, and rent reporting services to help consumers rebuild credit scores from scratch.
Best for: Consumers with no credit history or severely damaged credit looking to establish payment history through secured products, Renters wanting to convert monthly rent payments into credit-building tradelines
Florida Consumer Protections: Florida allows payday lending with notable consumer protections including a statewide database preventing multiple simultaneous loans, a $500 cap, and a 24-hour cooling-off period. The Office of Financial Regulation oversees all consumer lenders. Consumers can file complaints online through the OFR or the Attorney General.
Interest Rate Cap: Florida usury cap: 18% for loans under $500,000; 25% criminal usury threshold; payday loans regulated separately.
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 Florida Attorney General Consumer Protection Division.
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