Compare 66 credit repair companies, personal lenders, and financial services in Jacksonville, Florida. All independently reviewed with BBB ratings and pricing.
Debt Consolidation US offers free debt consolidation and management services in Jacksonville, Florida, helping consumers reduce monthly payments and avoid bankruptcy through professional debt relief programs.
Best for: Consumers with $10K-$100K+ in credit card debt seeking consolidation options, Jacksonville, Florida residents overwhelmed by multiple creditors and high-interest payments
VyStar Investment Services is a Florida-based financial advisory firm offering investment management, retirement planning, and wealth coaching through dedicated advisors and a digital investing platform.
Best for: Individuals approaching or in retirement seeking comprehensive income planning, Investors seeking personalized advisory relationships with dedicated financial coaches
Payment processing network of owner-operated ISOs offering credit/debit card terminals, mobile processing, and merchant services since 1999.
Best for: Small retail and restaurant businesses seeking payment processing with lower overhead costs, Mobile vendors, food trucks, and outdoor event merchants who need wireless or portable terminals
CCS Home Loans is a mortgage marketplace that connects borrowers with multiple lenders for competitive home purchase and refinance quotes in real-time.
Best for: Homebuyers seeking to compare mortgage offers from multiple lenders simultaneously, Homeowners considering refinancing who want to view competing loan products quickly
The Credit Xperts is a credit repair company in Jacksonville offering dispute services to remove negative items like collections, late payments, and public records from credit reports.
Best for: Jacksonville-area consumers with collections, late payments, or charge-offs seeking affordable entry-level repair, Individuals denied mortgage or auto loans who want to dispute inaccurate negative items before reapplying
Jacksonville-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, led by D.C. Higginbotham with nearly 30 years of experience handling over 10,000 cases.
Best for: Individuals facing wage garnishment, collection calls, or foreclosure threats seeking immediate legal intervention, Jacksonville-area residents with multiple debts considering Chapter 7 or Chapter 13 bankruptcy
Amscot is a Florida-based payday and installment loan lender offering cash advances up to $500 and installment loans up to $1,000 with no credit checks and same-day funding.
Best for: Florida residents facing unexpected short-term cash emergencies (car repair, medical bills) with next paycheck income, Consumers with damaged credit who cannot qualify for traditional bank loans or credit cards
Speedy Cash offers payday loans, title loans, installment loans, and check cashing services across 30+ states with same-day or next-day funding for emergency cash needs.
Best for: Consumers facing genuine one-time emergencies (medical bills, car repair, eviction prevention) who can repay within the loan term, Borrowers with poor credit or thin credit files who are unable to access traditional bank loans or credit cards
Buy Here Pay Here (BHPH) auto finance company offering in-house vehicle financing and used car sales with local credit decisions for bad credit borrowers in North Florida.
Best for: Consumers with bad credit who need immediate vehicle access and cannot qualify for traditional auto loans, Borrowers with recent repossessions seeking a second chance at vehicle ownership
Jacksonville, FL's Advance America at 3000 Dunn Ave offers fast payday and title loans for local residents seeking quick cash.
Best for: Consumers needing $100–$1,000 in emergency cash who have bad or no credit and few bank alternatives, Working adults who can repay in full on their next payday and need fast, same-day access to funds
Jacksonville, FL ACE Cash Express at 5751 N Main St offers quick payday and title loans.
Best for: Consumers needing quick access to cash through physical retail locations, Customers requiring multiple financial services (check cashing, bill payments, money transfers) in one location
Jacksonville, FL payday loans at ACE Cash Express on University Boulevard — open 9AM-7PM weekdays.
Best for: Consumers needing small emergency cash with fast funding timelines, Individuals with vehicle title who want collateral-based loans
At 4460 Blanding Blvd in Jacksonville, FL, Cash America Pawn offers fast pawn loans for jewelry, electronics, and gold.
Best for: People needing emergency cash who own valuable items (jewelry, electronics, tools) and don't have access to credit, Consumers seeking short-term loans without credit checks or bank involvement
Jacksonville's Cash America Pawn at 8118 Lem Turner Rd provides quick cash loans on jewelry, electronics, tools, and other items for residents across the north side.
Best for: Consumers who need immediate cash and own valuable items (jewelry, electronics, tools) they can pledge, Individuals who cannot qualify for traditional loans due to poor credit or lack of income verification
Jacksonville, FL's Ezpawn at 4753 Blanding Blvd offers fast pawn loans and merchandise sales, open weekdays 9AM-7PM and Saturday 9AM-6PM.
Best for: Consumers needing immediate cash for emergency expenses who own valuable collateral, Bargain shoppers seeking deeply discounted pre-owned electronics, tools, and jewelry
Fox Jewelry & Loan is a Jacksonville-based pawn shop specializing in jewelry sales, collateral-based loans, and gold buying with appraisal and repair services.
Best for: Individuals needing immediate cash who have jewelry or valuables to use as collateral, Gold sellers and jewelry owners seeking fair market value appraisals and quick payment
JM Bullion is an online precious metals dealer offering gold, silver, platinum, and palladium bullion, coins, and collectibles with live spot pricing and IRA-eligible options.
Best for: Remote investors seeking to purchase bullion and collectible coins online, IRA account holders looking to diversify with precious metals
Jacksonville Gold Exchange buys gold, silver, diamonds, gems, watches, and coins for cash. Operating since 1985, they offer transparent appraisals and market-rate pricing for precious metal and jewelry sales.
Best for: Individuals liquidating jewelry collections or inherited precious metals for immediate cash, Collectors of numismatic coins or luxury watches seeking fair market valuations
The Credit Xperts is a credit repair company in Jacksonville offering dispute services to remove negative items like collections, late payments, and public records from credit reports.
Best for: Jacksonville-area consumers with collections, late payments, or charge-offs seeking affordable entry-level repair, Individuals denied mortgage or auto loans who want to dispute inaccurate negative items before reapplying
Credit repair and financial education company offering dispute services, credit counseling, and tax education to help clients rebuild credit and achieve financial literacy.
Best for: Professionals with credit challenges seeking both dispute services and financial education, Individuals wanting to understand credit mechanics alongside repair efforts
Jacksonville-based financial advisor offering credit repair, financial planning, and advisory services to help clients manage investments, insurance, and wealth building.
Best for: Jacksonville-area residents seeking local financial advisor relationship with in-person consultation options, Clients needing bundled financial advisory and credit repair services from single provider
CWC Consulting Service offers credit repair and financial advisory services including creditor communication, credit report evaluation, and guidance on credit building and protection.
Best for: Consumers in Florida seeking local credit repair with creditor negotiation support, Business owners needing both personal and business credit improvement guidance
Perfect 700 Club is a credit repair consultant offering dispute services and credit restoration assistance through the Credit Consultants Association network.
Best for: Consumers with potential errors or inaccurate items on credit reports seeking professional disputes, People preferring traditional credit repair consultation over DIY dispute letters
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Jax Fire Credit Union is a non-profit credit union established in 1933, exclusively serving firefighters, emergency services personnel, and their families across 8 Florida counties.
Best for: Firefighters and fire rescue employees in Duval, Clay, Nassau, St. Johns, Flagler, Columbia, Putnam, or Volusia counties seeking primary banking relationship, Emergency services personnel and first responders who qualify for membership and want specialized financial services
Duval Federal Credit Union is a member-owned financial cooperative that merged with 121 Financial Credit Union to expand services and membership reach in Florida.
Best for: Jacksonville and North Florida residents seeking member-owned financial institution benefits, Credit union members valuing cooperative ownership and community-focused financial services
Duval Federal Credit Union is a credit union serving Duval County, Florida with branches throughout Jacksonville offering standard banking and lending services.
Best for: Duval County residents seeking member-owned credit union banking with local branch access, Consumers interested in auto loans and mortgage lending from a cooperative financial institution
VyStar Credit Union is a Florida-based credit union offering checking, savings, loans, investments, and insurance to members nationwide, with special focus on military families.
Best for: Active and retired military members seeking dedicated military benefits, discounts, and community support, Florida and Georgia residents prioritizing in-person branch relationships and local community banking
VyStar Credit Union is a Jacksonville, FL-based credit union with military roots offering full-service banking, lending, investments, and insurance to members across Florida and Georgia.
Best for: Military members, veterans, and their families seeking a credit union with dedicated military programs, Florida and Georgia residents looking for mortgage loans with competitive rates
RadiFi Credit Union's Park Street branch in Jacksonville offers member-owned banking with deposit accounts, loans, and a 24-hour ATM. Serving the historic Riverside community since 1935.
Best for: Jacksonville-area residents seeking relationship-based, personalized banking with competitive rates, Members prioritizing member-owned financial institutions over corporate bank structures
HUD-certified nonprofit housing counselor and community development organization serving low-to-moderate income individuals across Florida and Georgia since 2001.
Best for: First-time homebuyers seeking free counseling and down payment assistance guidance, Low-to-moderate income individuals wanting to build financial literacy and long-term wealth
Individual financial coach offering budget planning, credit management, and retirement guidance to families. AFCPE-affiliated with 16 years experience and financial coaching certification.
Best for: Parents and households seeking personalized financial coaching who can afford $459 session fees, Families wanting to instill wealth-building mindset and budgeting skills in children
Unable to verify company details due to website access error. Jacksonville Housing and Credit Counseling Services appears to be a non-profit counseling organization, but current website is unavailable for fact-checking.
Best for: Jacksonville-area residents seeking non-profit credit or housing counseling, Consumers preferring in-person counseling with local community organizations
HUD-approved non-profit housing counselor and community development organization in Jacksonville offering foreclosure prevention, homebuyer education, and affordable housing solutions.
Best for: First-time homebuyers in Jacksonville seeking affordable education and guidance, Homeowners facing foreclosure in the Jacksonville north side community
We Help Foundation is a non-profit organization offering free housing counseling, financial guidance, and transportation assistance to help individuals achieve homeownership and financial stability.
Best for: Individuals seeking free housing counseling and homeownership guidance without commercial lender pressure, First-time homebuyers looking for structured advising programs and savings strategies
Jacksonville-based financial advisory firm specializing in personalized financial planning for high-achieving women and business owners, led by Dr. April D. Murdaugh.
Best for: High-achieving professional women seeking personalized financial planning and wealth management, Female business owners needing comprehensive financial strategy and business transition planning
Jacksonville, FL MoneyGram on Southside Blvd offers check cashing and money transfers with extended hours daily.
Best for: Immigrants and individuals sending international remittances to family members, Consumers seeking convenient in-person money transfer while shopping
Jacksonville, FL MoneyGram at 2261 Edgewood Ave W offers check cashing, money transfers, and bill payments.
Best for: Consumers without bank accounts seeking check cashing and money transfer services, International remittance senders needing quick transfer options at convenient retail locations
Jacksonville's Western Union at Town Center Pkwy provides money transfers, check cashing, and financial services open daily 7AM-10PM in Florida.
Best for: Customers sending international remittances to family in developing countries, People needing emergency cash pickup from a nearby retail location within hours
Jacksonville Western Union check-cashing at 51 W Bay St offers money transfer and financial services in downtown Florida.
Best for: Unbanked and underbanked consumers needing cash access without traditional bank accounts, International remittance senders supporting family members without formal banking access
Jacksonville, FL's Western Union Money Order Only at 5843 University Blvd W is open 24/7 for check cashing and money order services.
Best for: Immigrants and expatriates sending money to family members abroad, Consumers needing reliable, established money transfer services with global reach
Jacksonville, FL at 4324 Atlantic Blvd is home to Western Union Money Order Only, offering 24/7 money order and check-cashing services.
Best for: Unbanked and underbanked consumers who prefer cash-based in-person transactions, Senders making frequent domestic or international money transfers to family or friends
Payment processing network of owner-operated ISOs offering credit/debit card terminals, mobile processing, and merchant services since 1999.
Best for: Small retail and restaurant businesses seeking payment processing with lower overhead costs, Mobile vendors, food trucks, and outdoor event merchants who need wireless or portable terminals
SBA 504 lender serving Alabama, Florida, and Georgia with fixed-rate commercial real estate, equipment, and debt refinancing loans for small businesses.
Best for: Established small business owners purchasing or expanding commercial real estate with 10%+ equity available, Companies seeking to refinance existing commercial debt at lower rates without business expansion plans
Auto lender specializing in vehicle financing for consumers with challenged credit, active bankruptcy, or no credit history. Offers direct-to-door delivery and works with multiple lenders to secure approval.
Best for: Consumers in active Chapter 7 bankruptcy seeking to purchase a vehicle during the filing process, Recently discharged bankrupts (within 1-2 years) unable to qualify for bank/credit union auto loans
TD Auto Finance provides auto financing options through a network of dealers, offering flexible terms and multiple payment methods for vehicle purchases.
Best for: Consumers purchasing vehicles from TD Auto Finance partner dealerships, Borrowers seeking flexible payment options and online account management
CCS Home Loans is a mortgage marketplace that connects borrowers with multiple lenders for competitive home purchase and refinance quotes in real-time.
Best for: Homebuyers seeking to compare mortgage offers from multiple lenders simultaneously, Homeowners considering refinancing who want to view competing loan products quickly
Florida-based nonprofit CDC offering first-time homebuyer mortgages with $500 down payments, credit counseling, and new/renovated homes in Jacksonville's urban core.
Best for: First-time homebuyers in Jacksonville's urban core with limited down payment savings but decent credit or willingness to rebuild, Buyers seeking new construction with customization options or complete home renovation in designated neighborhoods
NACA offers character-based mortgages with no down payment, no closing costs, and no credit score consideration, serving low-to-moderate income borrowers and communities historically underserved by traditional lenders.
Best for: Low-to-moderate income first-time homebuyers without savings for down payment or closing costs, Borrowers with limited or poor credit history who cannot qualify for conventional mortgages
Jacksonville-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, led by D.C. Higginbotham with nearly 30 years of experience handling over 10,000 cases.
Best for: Individuals facing wage garnishment, collection calls, or foreclosure threats seeking immediate legal intervention, Jacksonville-area residents with multiple debts considering Chapter 7 or Chapter 13 bankruptcy
Jacksonville-based bankruptcy law firm specializing in Chapter 7, Chapter 11, and Chapter 13 filings for individuals and businesses. Offers free consultations and debt relief strategies.
Best for: Individuals facing foreclosure, wage garnishment, or creditor harassment seeking debt elimination, Self-employed or business owners needing Chapter 11 reorganization or business bankruptcy
Jacksonville-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings for individuals and businesses with 25+ years of experience.
Best for: Florida residents in the Jacksonville area (Duval, Clay, St. Johns, Marion, Volusia counties and surrounding areas) facing Chapter 7 or Chapter 13 bankruptcy, Individuals with credit card debt, medical bills, or auto repossession deficiencies seeking debt discharge
Debt Consolidation US offers free debt consolidation and management services in Jacksonville, Florida, helping consumers reduce monthly payments and avoid bankruptcy through professional debt relief programs.
Best for: Consumers with $10K-$100K+ in credit card debt seeking consolidation options, Jacksonville, Florida residents overwhelmed by multiple creditors and high-interest payments
Professional Debt Mediation is a collections agency specializing in past-due account recovery for multi-family housing and other industries since 1998.
Best for: Property management companies and multi-family housing operators with past-due resident accounts, Creditors and businesses across various industries seeking professional debt recovery services
VyStar Investment Services is a Florida-based financial advisory firm offering investment management, retirement planning, and wealth coaching through dedicated advisors and a digital investing platform.
Best for: Individuals approaching or in retirement seeking comprehensive income planning, Investors seeking personalized advisory relationships with dedicated financial coaches
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Betterplan Solutions offers credit repair, dispute filing, and financial coaching to help clients rebuild credit scores and qualify for better loan rates.
Best for: Consumers with inaccurate or disputed items on their credit reports seeking professional dispute filing, Individuals looking to rebuild credit through education and personalized coaching alongside repair services
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 Jacksonville offer free guidance at consumerfinance.gov.
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