Jersey City, NJ

Credit Repair & Financial Services in Jersey City

Compare 12 credit repair companies, personal lenders, and financial services in Jersey City, New Jersey. All independently reviewed with BBB ratings and pricing.

New Jersey avg credit score: 714 Median income: $97,126 Poverty rate: 9.4% Payday loans: Banned New Jersey overview →

Top Rated in Jersey City

12 companies
Apex Credit Fix logo

Apex Credit Fix

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 money-back guarantee. 4.9 Google rating from 6,355 reviews. BBB B- (not accredited).

4.5/5
$79.00/mo BBB: B- Money-Back

Best for: 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 logo

Xcel Federal Credit Union

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.

4.5/5
Free BBB: NR

Best for: 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 logo

H. Schoenberg

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.

4.4/5
Contact BBB: NR

Best for: Musicians or music teachers needing short-term cash without selling instruments permanently, Gold owners who need quick liquidity for immediate bills or expenses

One Source Financial, Inc. logo

One Source Financial, Inc.

One Source Financial, Inc. is a black-owned financial services company based in Jersey City offering insurance products and financial protection solutions.

4.4/5
Contact BBB: NR

Best for: Consumers seeking to support black-owned financial service businesses, Jersey City and surrounding area residents preferring local financial services

Asset Based Lending logo

Asset Based Lending

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%.

4.3/5
Contact BBB: NR

Best for: 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

Chase Bank logo

Chase Bank

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.

4.3/5
Contact BBB: NR

Best for: Individuals seeking one-stop financial services including checking, credit cards, mortgages, and investments, Multilingual customers who need banking services in languages beyond English

Banks in Jersey City

View all →
Chase Bank logo

Chase Bank

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.

4.3/5
Contact BBB: NR

Best for: Individuals seeking one-stop financial services including checking, credit cards, mortgages, and investments, Multilingual customers who need banking services in languages beyond English

Provident Bank logo

Provident Bank

Regional bank serving NJ, NYC, and PA with checking, savings, CDs, mortgages, and business banking. FDIC-insured with digital banking and commercial lending services.

4.2/5
Contact BBB:

Best for: 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

Credit Unions in Jersey City

View all →
Xcel Federal Credit Union logo

Xcel Federal Credit Union

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.

4.5/5
Free BBB: NR

Best for: 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 logo

Financial Resources Federal Credit Union

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.

4.1/5
Contact BBB: NR

Best for: New Jersey residents seeking a community-focused credit union with strong local presence and employer group options, Small business owners needing specialized services like SBA loans, micro loans, and cannabis banking support

Credit Repair in Jersey City

View all →
Apex Credit Fix logo

Apex Credit Fix

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 money-back guarantee. 4.9 Google rating from 6,355 reviews. BBB B- (not accredited).

4.5/5
$79.00/mo BBB: B- Money-Back

Best for: 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

Mortgages & Home Loans in Jersey City

View all →
Asset Based Lending logo

Asset Based Lending

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%.

4.3/5
Contact BBB: NR

Best for: 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

Emergency Cash in Jersey City

View all →
Central Bad Credit Loans logo

Central Bad Credit Loans

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.

2.6/5
Contact BBB: NR

Best for: 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

Bankruptcy Services in Jersey City

View all →
DebtorEdu - Second Bankruptcy Course logo

DebtorEdu - Second Bankruptcy Course

DebtorEdu provides the mandatory post-filing debtor education course required by federal bankruptcy law for discharge. Costs $19.95 per household with immediate certificates.

4.3/5
Contact BBB: NR

Best for: 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

Pawn Shops in Jersey City

View all →
H. Schoenberg logo

H. Schoenberg

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.

4.4/5
Contact BBB: NR

Best for: Musicians or music teachers needing short-term cash without selling instruments permanently, Gold owners who need quick liquidity for immediate bills or expenses

I Need a Loan in Jersey City

View all →
NJ Personal Loans LLC logo

NJ Personal Loans LLC

Venture Cash Advance is a loan marketplace connecting borrowers to lenders offering $100-$5,000 loans with fast approval and next-business-day funding for emergency financial needs.

4.3/5
Free BBB: NR

Best for: Consumers with poor or no credit history facing urgent cash needs who have limited traditional lending options, Borrowers needing small emergency loans ($500-$2,000) within 24-48 hours for unexpected expenses

Insurance & Protection in Jersey City

View all →
One Source Financial, Inc. logo

One Source Financial, Inc.

One Source Financial, Inc. is a black-owned financial services company based in Jersey City offering insurance products and financial protection solutions.

4.4/5
Contact BBB: NR

Best for: Consumers seeking to support black-owned financial service businesses, Jersey City and surrounding area residents preferring local financial services

Free Help in Jersey City

View all →
The Waterfront Project, Inc. logo

The Waterfront Project, Inc.

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.

4.1/5
Contact BBB: NR

Best for: Tenants seeking to understand their legal rights and fair housing protections, Community members interested in housing justice advocacy and tenant organizing

Your Rights in New Jersey

New Jersey Consumer Protections: New Jersey bans payday lending and maintains a 30% criminal usury threshold. The Consumer Fraud Act provides broad protections against predatory 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.

Key Regulations:
  • Payday lending is banned; New Jersey does not license payday lenders.
  • Criminal usury threshold is 30% for consumer loans.
  • Licensed consumer lenders under the New Jersey Licensed Lenders Act.
  • The New Jersey Consumer Fraud Act provides broad protections against deceptive 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 New Jersey Attorney General Division of Consumer Affairs.

Compare Top-Rated Services

Our editors reviewed hundreds of companies to find the best options nationwide.

Browse Other Cities

Affiliate Disclosure: CreditDoc may earn a commission when you click links to products and services featured on this page. Our editorial team independently reviews all services. Learn more.