Livonia, MI

Credit Repair & Financial Services in Livonia

Review 5 credit repair companies, personal lenders, and financial services in Livonia, Michigan. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Michigan avg credit score: 707 Median income: $68,505 Poverty rate: 13.1% Payday loans: Legal Michigan overview →

Featured Provider Profiles in Livonia

5 companies
orsa credit union logo

orsa credit union

Michigan-based credit union offering high-yield savings (10% APY on first $1,000), checking accounts, CDs, and member-focused financial products with community partnerships.

4.2/5

Google rating from 10 reviews

BBB: NR

Profile signals: Michigan residents seeking high-yield savings with immediate returns on first $1,000 and fee-free checking, Families wanting youth financial education through Greenlight debit cards with parental oversight

CheckSmart logo

CheckSmart

Livonia, MI's CheckSmart at 29235 Six Mile Rd offers check cashing, payday loans, and prepaid cards with convenient weekend hours.

BBB: NR

Profile signals: Unbanked or underbanked Ohioans who are researching short-term cash access and check cashing without traditional bank accounts, Customers seeking same-day financial services including check cashing, wire transfers, or money orders in addition to lending

CheckSmart logo

CheckSmart

Livonia, MI's CheckSmart at 33320 Plymouth Rd offers payday and title-loan profile details with provider-stated funding timing.

BBB: NR

Profile signals: Consumers needing check cashing or money transfer services in the Columbus area, Borrowers seeking convenient physical location access with extended business hours

Great Lakes Pawn logo

Great Lakes Pawn

Family-owned pawn shop in Livonia, MI offering collateral-based loans at 3% interest, plus buying and selling of jewelry, electronics, tools, and other valuables.

BBB: NR

Profile signals: Individuals researching short-term cash access who own valuable items but lack traditional credit or bank accounts, People with poor credit or no credit history who cannot qualify for personal loans

Zeal logo

Zeal

Zeal Credit Union is a member-owned, not-for-profit financial institution offering checking, savings, loans, credit cards, and investments with a 71-year operating history.

BBB: NR

Profile signals: Members seeking a full-service financial institution with local branch access and personalized service, RV and boat buyers needing listed financing with preapproval at show events

Credit Unions in Livonia

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orsa credit union logo

orsa credit union

Michigan-based credit union offering high-yield savings (10% APY on first $1,000), checking accounts, CDs, and member-focused financial products with community partnerships.

4.2/5

Google rating from 10 reviews

BBB: NR

Profile signals: Michigan residents seeking high-yield savings with immediate returns on first $1,000 and fee-free checking, Families wanting youth financial education through Greenlight debit cards with parental oversight

Zeal logo

Zeal

Zeal Credit Union is a member-owned, not-for-profit financial institution offering checking, savings, loans, credit cards, and investments with a 71-year operating history.

BBB: NR

Profile signals: Members seeking a full-service financial institution with local branch access and personalized service, RV and boat buyers needing listed financing with preapproval at show events

Check Cashing & Money Services in Livonia

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CheckSmart logo

CheckSmart

Livonia, MI's CheckSmart at 29235 Six Mile Rd offers check cashing, payday loans, and prepaid cards with convenient weekend hours.

BBB: NR

Profile signals: Unbanked or underbanked Ohioans who are researching short-term cash access and check cashing without traditional bank accounts, Customers seeking same-day financial services including check cashing, wire transfers, or money orders in addition to lending

Emergency Cash in Livonia

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CheckSmart logo

CheckSmart

Livonia, MI's CheckSmart at 33320 Plymouth Rd offers payday and title-loan profile details with provider-stated funding timing.

BBB: NR

Profile signals: Consumers needing check cashing or money transfer services in the Columbus area, Borrowers seeking convenient physical location access with extended business hours

Pawn Shops in Livonia

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Great Lakes Pawn logo

Great Lakes Pawn

Family-owned pawn shop in Livonia, MI offering collateral-based loans at 3% interest, plus buying and selling of jewelry, electronics, tools, and other valuables.

BBB: NR

Profile signals: Individuals researching short-term cash access who own valuable items but lack traditional credit or bank accounts, People with poor credit or no credit history who cannot qualify for personal loans

Your Rights in Michigan

Michigan Consumer Protections: Michigan allows payday lending with a $600 cap, tiered fee structure, and a one-loan-at-a-time limit. Rollovers are prohibited. The Department of Insurance and Financial Services regulates consumer lenders, and complaints can be filed with DIFS or the Attorney General.

Interest Rate Cap: Michigan usury cap: 25% for consumer loans; payday loans capped at $600 with 15% fee on first $100, tiered after.

Key Regulations:
  • Payday loans (deferred presentment) capped at $600 with tiered fees: 15% first $100, 14% on $100-$200, 13% on $200-$300, etc.
  • Maximum loan term is 31 days; rollovers prohibited.
  • Borrowers limited to one payday loan at a time.
  • The Michigan Consumer Protection Act provides additional safeguards 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 Michigan Attorney General Consumer Protection Division.

Research Service Guides

Use these guides with local pages, state rules, and provider profiles before contacting a company.

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