Compare loan companies in Jersey City, Jersey City credit repair, personal loans Jersey City, and business loans Jersey City research paths in one local guide. Review 27 profiles with stored ratings, BBB context, pricing fields, maps, and local rules where available.
Jersey City, NJ
One Source Financial, Inc. is a black-owned financial services company based in Jersey City offering insurance products and financial protection solutions. Review this Jersey City listing before contacting the provider — check pricing, refund terms, licensing, and public complaint context. Every Jersey City, NJ profile links back to a full CreditDoc review with sourced fields.
Jersey City, NJ
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). Review this Jersey City listing before contacting the provider — check pricing, refund terms, licensing, and public complaint context. Every Jersey City, NJ profile links back to a full CreditDoc review with sourced fields.
Jersey City, NJ
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. Review this Jersey City listing before contacting the provider — check pricing, refund terms, licensing, and public complaint context. Every Jersey City, NJ profile links back to a full CreditDoc review with sourced fields.
Jersey City, NJ
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. Review this Jersey City listing before contacting the provider — check pricing, refund terms, licensing, and public complaint context. Every Jersey City, NJ profile links back to a full CreditDoc review with sourced fields.
Jersey City, NJ
DebtorEdu provides the mandatory post-filing debtor education course required by federal bankruptcy law for discharge. Costs $19.95 per household with immediate certificates. Review this Jersey City listing before contacting the provider — check pricing, refund terms, licensing, and public complaint context. Every Jersey City, NJ profile links back to a full CreditDoc review with sourced fields.
Jersey City, NJ
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. Review this Jersey City listing before contacting the provider — check pricing, refund terms, licensing, and public complaint context. Every Jersey City, NJ profile links back to a full CreditDoc review with sourced fields.
CreditDoc lists 10 check cashing & money services providers in Jersey City, NJ. Sorted by public review signal where available. Every listing links to a full profile with pricing, licensing, contact, and complaint context. Review at least two profiles side-by-side before committing to a Jersey City provider — comparison is the fastest way to spot outliers on cost or terms.
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.
CFSC Journal Square offers check cashing without a bank account, plus money transfers, bill pay, and prepaid debit cards in Jersey City.
Check Cashing Etc in Jersey City offers check cashing, money orders, wire transfers, and bill payment services at a single convenient location.
Jersey City, NJ's MoneyGram at 245 Central Ave is a standalone check-cashing and money transfer center.
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.
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.
CreditDoc lists 3 credit unions providers in Jersey City, NJ. Sorted by public review signal where available. Every listing links to a full profile with pricing, licensing, contact, and complaint context. Review at least two profiles side-by-side before committing to a Jersey City provider — comparison is the fastest way to spot outliers on cost or terms.
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.
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.
Advanz Credit Union is a member-owned financial cooperative serving Kentucky and Indiana counties with competitive loan rates, savings accounts, and financial literacy programs.
CreditDoc lists 2 credit repair providers in Jersey City, NJ. Sorted by public review signal where available. Every listing links to a full profile with pricing, licensing, contact, and complaint context. Review at least two profiles side-by-side before committing to a Jersey City provider — comparison is the fastest way to spot outliers on cost or terms.
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 rev
Pacific Check Cashing & Financial Services — financial services in Jersey City, NJ.
CreditDoc lists 2 debt relief providers in Jersey City, NJ. Sorted by public review signal where available. Every listing links to a full profile with pricing, licensing, contact, and complaint context. Review at least two profiles side-by-side before committing to a Jersey City provider — comparison is the fastest way to spot outliers on cost or terms.
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.
Century Relief LLC offers debt settlement, consolidation, and financial restructuring services for consumer, business, and alternative financing debt through negotiated creditor settlements.
CreditDoc lists 2 banks providers in Jersey City, NJ. Sorted by public review signal where available. Every listing links to a full profile with pricing, licensing, contact, and complaint context. Review at least two profiles side-by-side before committing to a Jersey City provider — comparison is the fastest way to spot outliers on cost or terms.
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.
Regional bank serving NJ, NYC, and PA with checking, savings, CDs, mortgages, and business banking. FDIC-insured with digital banking and commercial lending services.
CreditDoc lists 2 insurance & protection providers in Jersey City, NJ. Sorted by public review signal where available. Every listing links to a full profile with pricing, licensing, contact, and complaint context. Review at least two profiles side-by-side before committing to a Jersey City provider — comparison is the fastest way to spot outliers on cost or terms.
One Source Financial, Inc. is a black-owned financial services company based in Jersey City offering insurance products and financial protection solutions.
SageSure Insurance provides homeowners insurance tailored to local markets, emphasizing reliable coverage and customer service in challenging insurance regions.
CreditDoc lists 1 mortgages & home loans provider in Jersey City, NJ. Sorted by public review signal where available. Every listing links to a full profile with pricing, licensing, contact, and complaint context. Review at least two profiles side-by-side before committing to a Jersey City provider — comparison is the fastest way to spot outliers on cost or terms.
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 rate
CreditDoc lists 1 emergency cash provider in Jersey City, NJ. Sorted by public review signal where available. Every listing links to a full profile with pricing, licensing, contact, and complaint context. Review at least two profiles side-by-side before committing to a Jersey City provider — comparison is the fastest way to spot outliers on cost or terms.
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.
CreditDoc lists 1 bankruptcy services provider in Jersey City, NJ. Sorted by public review signal where available. Every listing links to a full profile with pricing, licensing, contact, and complaint context. Review at least two profiles side-by-side before committing to a Jersey City provider — comparison is the fastest way to spot outliers on cost or terms.
DebtorEdu provides the mandatory post-filing debtor education course required by federal bankruptcy law for discharge. Costs $19.95 per household with immediate certificates.
CreditDoc lists 1 pawn shops provider in Jersey City, NJ. Sorted by public review signal where available. Every listing links to a full profile with pricing, licensing, contact, and complaint context. Review at least two profiles side-by-side before committing to a Jersey City provider — comparison is the fastest way to spot outliers on cost or terms.
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.
CreditDoc lists 1 personal loans provider in Jersey City, NJ. Sorted by public review signal where available. Every listing links to a full profile with pricing, licensing, contact, and complaint context. Review at least two profiles side-by-side before committing to a Jersey City provider — comparison is the fastest way to spot outliers on cost or terms.
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.
CreditDoc lists 1 free help provider in Jersey City, NJ. Sorted by public review signal where available. Every listing links to a full profile with pricing, licensing, contact, and complaint context. Review at least two profiles side-by-side before committing to a Jersey City provider — comparison is the fastest way to spot outliers on cost or terms.
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.
Federal protections: The Fair Credit Reporting Act (FCRA) gives every Jersey City consumer the right to dispute inaccurate credit report information for free with each of the three major credit bureaus (Equifax, Experian, TransUnion). Under the Credit Repair Organizations Act (CROA), credit repair companies operating in New Jersey cannot legally charge you before performing the promised services and must give you a written contract with a three-day cancellation window.
New Jersey state-level protections: Consumers in Jersey City, NJ are also protected by New Jersey state law. Interest-rate caps, licensing requirements for lenders and repair companies, and enforcement varies by state. Check the state overview page for New Jersey for the current usury cap, payday-lending status, and licensing board contact details. If a Jersey City provider quotes rates or fees above the New Jersey usury cap, do not sign until the number is confirmed in writing and cross-checked against the state licensing board.
Free resources: Get a free credit report annually at AnnualCreditReport.com — the only federally-authorized free credit-report site. HUD-approved counselors in Jersey City offer free housing, debt, and budgeting guidance at consumerfinance.gov. The Consumer Financial Protection Bureau (CFPB) accepts complaints against any lender, credit repair company, debt collector, or bank operating in Jersey City, NJ, and their public complaint database is one of the most reliable ways to research a provider's track record before signing anything.
Red flags to watch for in Jersey City: Any New Jersey credit repair provider that asks for full payment before performing services is violating CROA. Any lender that guarantees approval before running a credit check should be treated with caution. Any provider that discourages you from contacting a credit bureau directly is not acting in your interest. Any pawn, title, or check-cashing provider that will not disclose the effective APR in writing is not being transparent about cost. Every Jersey City listing on CreditDoc is a starting point for research, not a recommendation to sign — verify licensing, pricing, and refund terms directly with the provider before deciding.
Before contacting any Jersey City lender or credit repair company, download the CreditDoc research checklist tailored to New Jersey consumers. It covers what documents to collect, what pricing questions to ask, how to spot licensing red flags, and which free federal and state resources to use first. The same checklist works whether you are researching personal loans, business loans, credit repair, debt relief, or emergency-cash options in Jersey City, NJ.
Why the checklist matters for Jersey City residents: local lending markets differ a lot from state to state. A rate that is legal in one state may be usurious in New Jersey. A credit repair contract that meets federal minimums may still fail New Jersey's consumer protection statutes. And a payday-alternative offered in a neighboring state may not be licensed to operate in Jersey City. The checklist walks you through the New Jersey-specific checks first, then the federal ones — in the order that matters most for Jersey City borrowers.
Every Jersey City listing on CreditDoc is a starting point for research — not a recommendation to sign. Before contacting any Jersey City, NJ provider, gather three things: your most recent credit reports from all three bureaus, a written list of the specific goal you are trying to achieve (dispute a specific item, consolidate a specific balance, borrow a specific amount), and any prior contracts you have signed with credit repair, debt relief, or short-term lending companies. Providers that are transparent about pricing and licensing will match this same level of preparation on their side.
What to ask before signing a Jersey City credit repair contract: confirm the exact monthly cost and any first-work fees, ask for the New Jersey state license number and cross-check it with the state licensing board, ask for a written scope (how many disputes per month, which bureaus, what timeframes), ask for the refund policy in writing, and ask whether the contract can be cancelled at will after signing. The federal Credit Repair Organizations Act (CROA) gives you a three-business-day cancellation window regardless of what the contract says, and it prohibits collecting fees before services are performed.
What to ask before signing a Jersey City loan agreement: confirm the annual percentage rate (APR) in writing — not the "rate" or "monthly cost" alone. Confirm total fees including any origination, processing, prepayment, or late fees. Confirm the payment schedule, the total number of payments, and the total amount you will pay by the end of the loan. If the Jersey City lender is offering a short-term or payday-alternative product, ask what happens if you cannot pay on the due date (rollover fees, collections handoff, credit bureau reporting). If any of these numbers cannot be given to you in writing before you sign, walk away.
Where Jersey City residents can escalate a dispute: for credit report inaccuracies, dispute directly with the credit bureau (Equifax, Experian, TransUnion) — this is free and does not require a paid intermediary. For lender misconduct, file a complaint with the New Jersey state financial services agency (varies by state) AND the Consumer Financial Protection Bureau at consumerfinance.gov/complaint. For federally-regulated banks operating in Jersey City, the Office of the Comptroller of the Currency (OCC) accepts complaints. For credit unions, the National Credit Union Administration (NCUA). All four bodies accept complaints from Jersey City, NJ consumers at no cost.
Start by pulling all three of your credit reports for free at AnnualCreditReport.com. Identify the specific errors, collections, or negative items you want disputed. Then compare Jersey City credit repair companies on the following: (a) do they operate under a written contract with a clear scope; (b) do they list monthly pricing plus setup fees transparently, or only through phone consultations; (c) do they publish a refund policy; and (d) do they hold any state licensing or BBB accreditation in New Jersey. The Credit Repair Organizations Act (CROA) makes it illegal for any credit repair provider — in Jersey City or elsewhere — to charge you before services are performed.
Payday loan legality varies significantly by state. Some states, including New Jersey, cap short-term loan interest rates through usury laws; others have banned payday lending entirely; a third group restricts loan size, term length, or rollovers. Check the CreditDoc New Jersey state overview page for the current status. If a Jersey City lender is offering a short-term loan at an APR you cannot easily calculate from the disclosure, ask them to write the effective APR in the contract before signing. When payday lending is restricted in your state, safer alternatives include payday alternative loans (PALs) offered by federally-insured credit unions.
Personal loans in Jersey City, NJ are offered by traditional banks, credit unions, online lenders, and community development financial institutions (CDFIs). Rate ranges depend heavily on credit score, income stability, and loan term. Consumers with lower credit scores in Jersey City should compare CDFI options and credit-union personal loans before accepting a first offer from a subprime online lender — CDFIs and credit unions typically have both lower rates and softer eligibility thresholds. Use the CreditDoc borrowing power quiz to estimate the loan size and monthly payment that match your income before browsing offers.
Three quick checks: (1) search the New Jersey Department of Financial Services (or equivalent state licensing board) for the lender's active license number — every consumer lender operating in Jersey City should be licensed with the state; (2) look up the lender in the CFPB Consumer Complaint Database — a pattern of unresolved complaints is a strong signal; (3) look up the lender in the Better Business Bureau for Jersey City — BBB does not verify quality but does verify that the business exists at its stated address. Every Jersey City lender profile on CreditDoc links directly to these sources where the data is available.
Use these guides with local pages, state rules, and provider profiles before contacting a company.
Every Jersey City, NJ provider profile on CreditDoc is built from publicly available data. Business addresses, contact numbers, and website URLs are collected from provider disclosures. BBB ratings and accreditation status come from the Better Business Bureau. Public complaint context comes from the Consumer Financial Protection Bureau's Consumer Complaint Database, which is updated daily. Google review scores and review-count signals are collected where available and are shown only where the number of stored reviews is at least one. All fields are dated and sourced on the underlying provider profile page. If any Jersey City listing shows outdated, incorrect, or missing information, the profile page includes a direct feedback link.
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