Review 27 credit repair companies, personal lenders, and financial services in Jersey City, New Jersey. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.
One Source Financial, Inc. is a black-owned financial services company based in Jersey City offering insurance products and financial protection solutions.
Google rating from 10 reviews
Profile signals: Consumers seeking to support black-owned financial service businesses, Jersey City and surrounding area residents preferring local financial services
Apex Credit Fix is a credit repair firm based in Jersey City, NJ, operating as Apex Advising LLC. Pricing: $19 activation + $79/month with 90-day listed refund term. 4.9 Google rating from 6,355 reviews. BBB B- (not accredited).
Google rating from 6,355 reviews
Profile signals: Consumers in the New York metro area with genuine credit report errors — inaccurate balances, duplicate accounts, unverifiable collections — who want professional dispute help, Individuals preparing for major purchases (home, car) who need faster credit improvement than DIY dispute methods
XCEL Federal Credit Union is a member-owned financial institution serving New Jersey, New York, and nationwide members with loans, deposit accounts, and insurance products through partnerships.
Google rating from 160 reviews
Profile signals: New Jersey and New York residents seeking affordable personal loans and debt consolidation from a credit union, Credit union members interested in bundled life, disability, and critical illness insurance with educational financial planning resources
H. Schoenberg is Jersey City's oldest pawn shop (since 1895), offering collateral-based loans against gold and musical instruments with 4-month terms at low interest rates.
Google rating from 332 reviews
Profile signals: Musicians or music teachers needing short-term cash without selling instruments permanently, Gold owners who need quick liquidity for immediate bills or expenses
DebtorEdu provides the mandatory post-filing debtor education course required by federal bankruptcy law for discharge. Costs $19.95 per household with immediate certificates.
Google rating from 7 reviews
Profile signals: Individuals who have filed Chapter 7 or Chapter 13 bankruptcy and need the mandatory discharge course, Bankruptcy filers facing court-imposed deadlines for course completion
Venture Cash Advance is a loan marketplace connecting borrowers to lenders offering $100-$5,000 loans with published application timing and next-business-day funding for emergency financial needs.
Google rating from 226 reviews
Profile signals: Consumers with poor or no credit history facing urgent expense research who have limited traditional lending options, Borrowers needing small emergency loans ($500-$2,000) within 24-48 hours for unexpected expenses
CFSC Bergen Ave is a check-cashing and financial services center offering no-bank-account check cashing, money transfers, bill pay, and prepaid cards in Jersey City.
Profile signals: Unbanked and underbanked individuals who need immediate check-cashing without a bank account, Spanish-speaking residents in Jersey City seeking accessible financial services with language support
CFSC Journal Square offers check cashing without a bank account, plus money transfers, bill pay, and prepaid debit cards in Jersey City.
Profile signals: Unbanked or underbanked individuals without access to traditional bank accounts, Immigrants and international workers needing reliable money transfer and foreign currency exchange services
Check Cashing Etc in Jersey City offers check cashing, money orders, wire transfers, and bill payment services at a single convenient location.
Profile signals: Unbanked individuals needing immediate check conversion, Jersey City residents requiring convenient local check-cashing services
Jersey City, NJ's MoneyGram at 245 Central Ave is a standalone check-cashing and money transfer center.
Profile signals: Unbanked and underbanked individuals in Jersey City needing convenient check cashing without a bank account, International money senders requiring domestic pickup locations for recipients
CFSC is a check-cashing and financial services provider offering check cashing without a bank account, money transfers, bill pay, and prepaid debit cards at multiple NJ and NY locations.
Profile signals: Unbanked or underbanked workers without traditional bank accounts who need immediate check access, Self-employed and small business owners requiring business check cashing without banking relationships
P & S Check Cashing provides check cashing and financial services at a single Jersey City location. Open weekdays 9 AM–6 PM and Saturdays with extended Friday hours.
Profile signals: Jersey City residents needing immediate check cashing without a bank account, Unbanked or underbanked customers preferring cash transactions
XCEL Federal Credit Union is a member-owned financial institution serving New Jersey, New York, and nationwide members with loans, deposit accounts, and insurance products through partnerships.
Google rating from 160 reviews
Profile signals: New Jersey and New York residents seeking affordable personal loans and debt consolidation from a credit union, Credit union members interested in bundled life, disability, and critical illness insurance with educational financial planning resources
Financial Resources Federal Credit Union is a New Jersey-based credit union offering personal and business banking, lending, and wealth management services across six branch locations.
Google rating from 17 reviews
Profile signals: New Jersey residents seeking a community-focused credit union with strong local presence and employer group options, Small business owners needing listed services like SBA loans, micro loans, and cannabis banking support
Advanz Credit Union is a member-owned financial cooperative serving Kentucky and Indiana counties with competitive loan rates, savings accounts, and financial literacy programs.
Profile signals: Residents and businesses located in Jefferson, Bullitt, Spencer, Shelby, Oldham, Henry, or Trimble Counties in Kentucky, Employees and organizations in Clark or Floyd Counties in Indiana seeking member-owned financial institutions
Alliance Settlement negotiates with creditors to reduce unsecured debt and consolidate payments into lower monthly amounts, targeting 24-48 month payoff timelines with no upfront fees.
Profile signals: Consumers with $5,000–$100,000+ in unsecured debt (credit cards, medical bills, personal loans) struggling to make minimum payments, Individuals who prefer professional negotiation over self-negotiation with creditors and want consolidated monthly payments
Century Relief LLC offers debt settlement, consolidation, and financial restructuring services for consumer, business, and alternative financing debt through negotiated creditor settlements.
Profile signals: Consumers with $5,000-$100,000+ in unsecured debt seeking settlement alternatives to bankruptcy, Small business owners with accumulated business debt looking for restructuring options
Apex Credit Fix is a credit repair firm based in Jersey City, NJ, operating as Apex Advising LLC. Pricing: $19 activation + $79/month with 90-day listed refund term. 4.9 Google rating from 6,355 reviews. BBB B- (not accredited).
Google rating from 6,355 reviews
Profile signals: Consumers in the New York metro area with genuine credit report errors — inaccurate balances, duplicate accounts, unverifiable collections — who want professional dispute help, Individuals preparing for major purchases (home, car) who need faster credit improvement than DIY dispute methods
Pacific Check Cashing & Financial Services — financial services in Jersey City, NJ.
Jersey City, NJ's Chase Bank branch at 56 Christopher Columbus Dr offers full banking services and ATM access to local residents and business professionals.
Google rating from 562 reviews
Profile signals: Individuals seeking one-stop financial services including checking, credit cards, mortgages, and investments, Multilingual customers who need banking services in languages beyond English
Regional bank serving NJ, NYC, and PA with checking, savings, CDs, mortgages, and business banking. FDIC-insured with digital banking and commercial lending services.
Profile signals: Regional customers in NJ, NYC, and PA seeking FDIC-insured checking and savings with branch access, Small business owners needing comprehensive commercial banking, payroll, and treasury management services
One Source Financial, Inc. is a black-owned financial services company based in Jersey City offering insurance products and financial protection solutions.
Google rating from 10 reviews
Profile signals: Consumers seeking to support black-owned financial service businesses, Jersey City and surrounding area residents preferring local financial services
SageSure Insurance provides homeowners insurance tailored to local markets, emphasizing reliable coverage and customer service in challenging insurance regions.
Profile signals: Homeowners in challenging or underserved insurance markets with limited carrier options, Property owners seeking local agent representation combined with online account access
Asset Based Lending provides short-term and long-term financing for real estate investors, including fix-and-flip loans, rental property financing, bridge loans, and new construction funding with rates starting at 6.00%.
Google rating from 118 reviews
Profile signals: Real estate fix-and-flip investors seeking 12-24 month bridge financing with fast closing, Rental property investors looking to refinance or purchase with flexible DSCR requirements
Central Bad Credit Loans is a loan marketplace that connects borrowers with third-party lenders offering small personal loans up to $5,000+, targeting those with poor credit.
Google rating from 5 reviews
Profile signals: Borrowers with bad or fair credit seeking fast access to small personal loans ($500-$5,000), Individuals facing genuine financial emergencies with no time for traditional bank underwriting
DebtorEdu provides the mandatory post-filing debtor education course required by federal bankruptcy law for discharge. Costs $19.95 per household with immediate certificates.
Google rating from 7 reviews
Profile signals: Individuals who have filed Chapter 7 or Chapter 13 bankruptcy and need the mandatory discharge course, Bankruptcy filers facing court-imposed deadlines for course completion
H. Schoenberg is Jersey City's oldest pawn shop (since 1895), offering collateral-based loans against gold and musical instruments with 4-month terms at low interest rates.
Google rating from 332 reviews
Profile signals: Musicians or music teachers needing short-term cash without selling instruments permanently, Gold owners who need quick liquidity for immediate bills or expenses
Venture Cash Advance is a loan marketplace connecting borrowers to lenders offering $100-$5,000 loans with published application timing and next-business-day funding for emergency financial needs.
Google rating from 226 reviews
Profile signals: Consumers with poor or no credit history facing urgent expense research who have limited traditional lending options, Borrowers needing small emergency loans ($500-$2,000) within 24-48 hours for unexpected expenses
The Waterfront Project is a non-profit organization advocating for housing as a human right, offering education and resources on tenant rights and fair housing issues.
Profile signals: Tenants seeking to understand their legal rights and fair housing protections, Community members interested in housing justice advocacy and tenant organizing
New Jersey Consumer Protections: New Jersey bans payday lending and maintains a 30% criminal usury threshold. The Consumer Fraud Act provides broad protections against high-cost lending practices. Consumers can file complaints with the Division of Consumer Affairs or the Department of Banking and Insurance.
Interest Rate Cap: New Jersey usury cap: 30% for consumer loans (criminal usury); payday lending banned. Payday lending is banned in this state.
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 New Jersey Attorney General Division of Consumer Affairs.
Use these guides with local pages, state rules, and provider profiles before contacting a company.
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