Lincoln, NE

Credit Repair & Financial Services in Lincoln

Compare 8 credit repair companies, personal lenders, and financial services in Lincoln, Nebraska. All independently reviewed with BBB ratings and pricing.

Nebraska avg credit score: 720 Median income: $73,755 Poverty rate: 10% Payday loans: Restricted Nebraska overview →

Top Rated in Lincoln

8 companies
City Bank & Trust Co. logo

City Bank & Trust Co.

FDIC-insured community bank serving Nebraska since 1910 with six locations offering personal and business checking, savings, lending, and mobile banking services.

4.2/5
Contact BBB:

Best for: Nebraska agricultural businesses and farmers requiring specialized farm lending and equipment financing, Small to medium-sized Nebraska businesses needing merchant services, payroll processing, and local banking relationships

Cornhusker Bank logo

Cornhusker Bank

FDIC-insured bank offering personal and business checking, savings, credit cards, home loans, and merchant processing across Nebraska.

4.2/5
Contact BBB:

Best for: Nebraska-based small business owners seeking relationship banking and merchant processing solutions, Local individuals and families preferring community-focused banking with branch access

First State Bank Nebraska logo

First State Bank Nebraska

Community bank serving Southeast Nebraska with 110+ years of history, offering checking, savings, business loans, and merchant processing across 17+ locations.

4.2/5
Contact BBB:

Best for: Southeast Nebraska small business owners seeking SBA financing and merchant processing, Local residents prioritizing relationship-based banking with community-invested institutions

Lincoln FSB of Nebraska logo

Lincoln FSB of Nebraska

Local, depositor-owned Nebraska bank established in 1906, offering personal and business checking, savings, mortgages, and home equity products with a focus on personal service.

4.2/5
Contact BBB:

Best for: Nebraska residents seeking relationship-based personal banking with local decision-making and community accountability, Homebuyers and homeowners in Nebraska looking for mortgage lending and home equity products from a stable, established institution

Nebraska Bank of Commerce logo

Nebraska Bank of Commerce

Nebraska Bank of Commerce is a community-focused bank serving Lincoln and Omaha with personal, business, and mortgage banking services. They emphasize personalized guidance and long-term customer relationships.

4.2/5
Contact BBB:

Best for: Small business owners and agricultural operations seeking SBA and commercial real estate financing, Individuals and families in Lincoln or Omaha seeking personalized, relationship-based banking

Pinnacle Bank logo

Pinnacle Bank

FDIC-insured bank operating in Nebraska, Missouri, and Kansas offering personal and business checking, savings, CDs, loans, and investment services.

4.2/5
Contact BBB:

Best for: Midwest consumers seeking traditional banking with FDIC-insured deposits and local branch access, Small business owners in Nebraska, Missouri, and Kansas needing commercial checking and payment services

Banks in Lincoln

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City Bank & Trust Co. logo

City Bank & Trust Co.

FDIC-insured community bank serving Nebraska since 1910 with six locations offering personal and business checking, savings, lending, and mobile banking services.

4.2/5
Contact BBB:

Best for: Nebraska agricultural businesses and farmers requiring specialized farm lending and equipment financing, Small to medium-sized Nebraska businesses needing merchant services, payroll processing, and local banking relationships

Cornhusker Bank logo

Cornhusker Bank

FDIC-insured bank offering personal and business checking, savings, credit cards, home loans, and merchant processing across Nebraska.

4.2/5
Contact BBB:

Best for: Nebraska-based small business owners seeking relationship banking and merchant processing solutions, Local individuals and families preferring community-focused banking with branch access

First State Bank Nebraska logo

First State Bank Nebraska

Community bank serving Southeast Nebraska with 110+ years of history, offering checking, savings, business loans, and merchant processing across 17+ locations.

4.2/5
Contact BBB:

Best for: Southeast Nebraska small business owners seeking SBA financing and merchant processing, Local residents prioritizing relationship-based banking with community-invested institutions

Lincoln FSB of Nebraska logo

Lincoln FSB of Nebraska

Local, depositor-owned Nebraska bank established in 1906, offering personal and business checking, savings, mortgages, and home equity products with a focus on personal service.

4.2/5
Contact BBB:

Best for: Nebraska residents seeking relationship-based personal banking with local decision-making and community accountability, Homebuyers and homeowners in Nebraska looking for mortgage lending and home equity products from a stable, established institution

Nebraska Bank of Commerce logo

Nebraska Bank of Commerce

Nebraska Bank of Commerce is a community-focused bank serving Lincoln and Omaha with personal, business, and mortgage banking services. They emphasize personalized guidance and long-term customer relationships.

4.2/5
Contact BBB:

Best for: Small business owners and agricultural operations seeking SBA and commercial real estate financing, Individuals and families in Lincoln or Omaha seeking personalized, relationship-based banking

Pinnacle Bank logo

Pinnacle Bank

FDIC-insured bank operating in Nebraska, Missouri, and Kansas offering personal and business checking, savings, CDs, loans, and investment services.

4.2/5
Contact BBB:

Best for: Midwest consumers seeking traditional banking with FDIC-insured deposits and local branch access, Small business owners in Nebraska, Missouri, and Kansas needing commercial checking and payment services

Your Rights in Nebraska

Nebraska Consumer Protections: Nebraska voters approved a 36% APR cap on payday loans in 2020, dramatically reducing high-cost lending in the state. The general usury cap is 16% for consumer loans. The Department of Banking and Finance regulates consumer lenders, and complaints can be filed with the Department or the Attorney General.

Interest Rate Cap: Nebraska usury cap: 36% APR cap on payday loans (Initiative 428, 2020); 16% general usury cap. Payday lending is restricted (max $500).

Key Regulations:
  • Initiative 428 (2020) capped payday and similar short-term loans at 36% APR.
  • The general usury cap is 16% for most consumer loans.
  • Licensed delayed deposit services must comply with the 36% APR cap.
  • The Nebraska Consumer Protection Act prohibits deceptive lending practices.

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 Nebraska Attorney General Consumer Protection Division.

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