Long Island City, NY

Credit Repair & Financial Services in Long Island City

Compare 8 credit repair companies, personal lenders, and financial services in Long Island City, New York. All independently reviewed with BBB ratings and pricing.

New York avg credit score: 710 Median income: $75,910 Poverty rate: 12.7% Payday loans: Banned New York overview →

Top Rated in Long Island City

8 companies
Citizens logo

Citizens

Citizens is a retail bank offering checking, savings, home loans, student loans, and credit cards through physical branch locations including this Long Island City, NY branch.

4.3/5
Contact BBB: NR

Best for: Customers seeking traditional full-service banking with in-person support for major financial decisions, Long Island City and Queens residents within proximity to their branch network

UNFCU logo

UNFCU

United Nations Federal Credit Union serves UN employees and global citizens with borderless banking, mortgages, loans, and savings accounts since 1947.

4.3/5
Contact BBB: NR

Best for: UN employees and UN-affiliated professionals seeking borderless banking solutions, Expatriates and international workers needing global financial support

Urban Upbound Federal Credit Union logo

Urban Upbound Federal Credit Union

Federal credit union serving public housing residents in NYC with affordable personal/business loans, financial counseling, and employment services focused on economic mobility.

4.2/5
Contact BBB: NR

Best for: Public housing residents in Queens seeking affordable personal loans and basic banking with community support, Low-income adults and youth in NYC seeking employment services combined with financial access

Citi logo

Citi

Citibank is a major financial services provider offering credit cards, checking and savings accounts, mortgages, personal loans, and investment services to retail and business customers.

4.1/5
Contact BBB: NR

Best for: Customers seeking integrated banking and lending services from a single established institution, Credit card users wanting multiple options ranging from balance transfer to rewards to travel benefits

Dime Community Bank logo

Dime Community Bank

Dime Community Bank is a traditional bank offering deposit accounts, lending products, and branch banking services with locations including Long Island City.

4.1/5
Contact BBB: NR

Best for: Long Island City and local New York area residents seeking branch-based banking, Customers preferring traditional community bank service models over large national banks

Greater Metro Federal Credit Union logo

Greater Metro Federal Credit Union

Greater Metro Federal Credit Union is a member-owned financial cooperative offering checking, savings, loans, credit cards, and digital banking services with competitive rates and fraud protection.

4.1/5
Contact BBB: NR

Best for: Credit union members seeking auto financing with competitive rates and member-owned institution benefits, Individuals prioritizing fraud protection and advanced security features for digital banking

Banks in Long Island City

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Citizens logo

Citizens

Citizens is a retail bank offering checking, savings, home loans, student loans, and credit cards through physical branch locations including this Long Island City, NY branch.

4.3/5
Contact BBB: NR

Best for: Customers seeking traditional full-service banking with in-person support for major financial decisions, Long Island City and Queens residents within proximity to their branch network

Citi logo

Citi

Citibank is a major financial services provider offering credit cards, checking and savings accounts, mortgages, personal loans, and investment services to retail and business customers.

4.1/5
Contact BBB: NR

Best for: Customers seeking integrated banking and lending services from a single established institution, Credit card users wanting multiple options ranging from balance transfer to rewards to travel benefits

Dime Community Bank logo

Dime Community Bank

Dime Community Bank is a traditional bank offering deposit accounts, lending products, and branch banking services with locations including Long Island City.

4.1/5
Contact BBB: NR

Best for: Long Island City and local New York area residents seeking branch-based banking, Customers preferring traditional community bank service models over large national banks

TD Bank logo

TD Bank

TD Bank is a full-service retail bank offering checking, savings, credit cards, mortgages, and business banking through physical branches and ATMs.

4.1/5
Contact BBB: NR

Best for: Small business owners seeking local advisory support and merchant payment solutions, Customers needing multilingual banking services and foreign currency exchange

Credit Unions in Long Island City

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UNFCU logo

UNFCU

United Nations Federal Credit Union serves UN employees and global citizens with borderless banking, mortgages, loans, and savings accounts since 1947.

4.3/5
Contact BBB: NR

Best for: UN employees and UN-affiliated professionals seeking borderless banking solutions, Expatriates and international workers needing global financial support

Urban Upbound Federal Credit Union logo

Urban Upbound Federal Credit Union

Federal credit union serving public housing residents in NYC with affordable personal/business loans, financial counseling, and employment services focused on economic mobility.

4.2/5
Contact BBB: NR

Best for: Public housing residents in Queens seeking affordable personal loans and basic banking with community support, Low-income adults and youth in NYC seeking employment services combined with financial access

Greater Metro Federal Credit Union logo

Greater Metro Federal Credit Union

Greater Metro Federal Credit Union is a member-owned financial cooperative offering checking, savings, loans, credit cards, and digital banking services with competitive rates and fraud protection.

4.1/5
Contact BBB: NR

Best for: Credit union members seeking auto financing with competitive rates and member-owned institution benefits, Individuals prioritizing fraud protection and advanced security features for digital banking

Free Help in Long Island City

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Urban Upbound logo

Urban Upbound

Non-profit organization providing free financial counseling, tax prep, employment services, and credit union access to low-income New Yorkers in public housing.

4.1/5
Contact BBB: NR

Best for: NYCHA public housing residents and low-income New Yorkers seeking comprehensive wraparound financial and employment services, Young adults and students in public housing seeking college access support and career development

Your Rights in New York

New York Consumer Protections: New York bans payday lending through its 16% civil usury and 25% criminal usury caps. The Department of Financial Services aggressively pursues illegal online payday lenders. Consumers have strong protections under state law and can file complaints with DFS or the Attorney General.

Interest Rate Cap: New York usury cap: 16% civil usury; 25% criminal usury; payday lending banned. Payday lending is banned in this state.

Key Regulations:
  • Payday lending is banned; civil usury cap of 16% and criminal usury cap of 25% make it illegal.
  • The Department of Financial Services actively enforces against online payday lenders targeting NY residents.
  • Licensed lenders under the Banking Law may charge rates agreed upon for certain loan types.
  • The NY Consumer Protection Act and General Business Law Article 22-A protect consumers.

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 York Attorney General Consumer Frauds Bureau.

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