Compare 106 credit repair companies, personal lenders, and financial services in Los Angeles, California. All independently reviewed with BBB ratings and pricing.
Sunbit is a Los Angeles fintech offering point-of-sale BNPL financing for dental, auto, optical, and veterinary services at 30,000+ locations. Forbes Fintech 50 (3 years). 90% approval rate, soft credit check only. APR 0-35.99%.
Best for: Consumers needing to finance dental work, auto repairs, veterinary care, or optical services at the point of sale, Individuals with fair or limited credit who want a 90% approval rate with only a soft credit check
Credit Repair Cloud is software and training platform enabling entrepreneurs to start and scale credit repair businesses by automating dispute letters, client management, and lead generation.
Best for: Entrepreneurs with business acumen and sales skills looking to launch a new credit repair company with minimal startup capital, Existing professionals (mortgage brokers, realtors, tax preparers, auto dealers) seeking to add credit repair as a complementary service
High Rise Financial provides non-recourse pre-settlement lawsuit funding to personal injury plaintiffs in Los Angeles, advancing cash against expected legal settlements with no repayment required if the case is lost.
Best for: Personal injury accident victims pending litigation who have immediate financial needs and cannot wait for settlement, Plaintiffs with strong negligence and liability cases where defendant fault is clear, increasing approval likelihood
Infinite Financial Firm is a Los Angeles-based credit repair document preparation service that helps clients dispute inaccurate items on credit reports through a 3-step process.
Best for: Consumers with multiple negative items (charge-offs, collections, bankruptcies) seeking structured guidance on dispute process, Los Angeles-area residents who prefer local, personalized service with 1-on-1 support
Mr. Steve's Pawn Shop is a nearly 40-year-old Los Angeles pawn shop offering collateral-based loans, luxury jewelry, watches, handbags, and electronics with buy-now-pay-later options.
Best for: Customers seeking immediate cash through collateral-based loans on jewelry, watches, or electronics, Buyers seeking discounted luxury jewelry, designer handbags, and high-end watches
California-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, foreclosure prevention, and auto accident claims since 1995.
Best for: California residents facing foreclosure, wage garnishment, or multiple collection actions seeking Chapter 7 or Chapter 13 relief, Homeowners with $300K-$600K+ home equity seeking bankruptcy protection under California's increased homestead exemption
American Business Bank is a publicly-traded commercial bank (OTCQX: AMBZ) specializing in relationship-based business financing, SBA lending, and corporate banking services for small to mid-sized enterprises.
Best for: Small to mid-sized business owners seeking customized corporate banking and credit lines, Businesses exploring SBA loan programs for expansion, equipment, or working capital
FDIC-insured bank offering personal and business banking solutions with industry-specific expertise in media, entertainment, government, and community associations.
Best for: Business owners in Media, Entertainment, Government, or Community Association sectors seeking specialized financing, Companies requiring warehouse lending or industry-tailored banking solutions
Bank of Hope is a full-service bank offering personal, business, and corporate banking services including checking, savings, CDs, credit cards, mortgages, and commercial lending.
Best for: Consumers seeking FDIC-insured deposits and traditional banking with multi-product offerings, Small business owners needing integrated business banking and commercial card solutions
Cathay Bank offers personal checking, savings, home mortgages, credit cards, and digital banking services with a focus on serving diverse communities through multilingual support.
Best for: Multilingual customers seeking banking services in Chinese or Spanish, Small business owners interested in SBA lending programs
City National Bank is a full-service bank offering personal and business banking, wealth management, and lending services with FDIC insurance and operations since 1954.
Best for: Business owners and entrepreneurs seeking personalized banking relationships and specialized industry expertise, High-net-worth individuals interested in wealth planning, trust services, and investment management
FDIC-insured commercial bank offering business checking, savings, SBA loans, and treasury management services across California, Texas, New Jersey, and Hawaii.
Best for: Small to mid-sized businesses in California, Texas, New Jersey, or Hawaii seeking relationship-based banking, Business owners pursuing SBA loans who prefer in-person guidance and established bank relationships
Mr. Steve's Pawn Shop is a nearly 40-year-old Los Angeles pawn shop offering collateral-based loans, luxury jewelry, watches, handbags, and electronics with buy-now-pay-later options.
Best for: Customers seeking immediate cash through collateral-based loans on jewelry, watches, or electronics, Buyers seeking discounted luxury jewelry, designer handbags, and high-end watches
Family-owned pawn shop in Los Angeles offering collateral-based loans on items like electronics, jewelry, tools, and collectibles with no credit checks required.
Best for: Customers with immediate cash needs ($75-$2,500) and valuable personal items who have poor/no credit and cannot access traditional loans, Individuals facing temporary financial gaps (medical bills, missed paychecks) who can realistically repay within four months
A Plus A Pawn Shop offers collateral-based loans at their Los Angeles location on S Alvarado Street, with extended hours and accessible phone contact.
Best for: Individuals needing immediate cash with valuable personal items available as collateral, Customers without access to traditional credit or bank loans who can pledge tangible assets
Beverly Pawn n Cash Shop is a Los Angeles-based pawn shop in Koreatown offering collateral-based loans, jewelry buying, and quick cash access with extended redemption periods.
Best for: Individuals needing quick short-term cash ($100-$5,000) with flexible redemption timelines and personal property to leverage, Gold and jewelry sellers seeking fair market evaluations without pressure from high-pressure sales tactics
Los Angeles-based buyer of gold, diamonds, watches, and gemstones offering free appraisals and immediate cash payments since 2007.
Best for: Los Angeles residents with inherited jewelry, gold, diamonds, or luxury watches seeking quick cash conversion, People clearing out jewelry boxes or downsizing without attachment to specific pieces
Los Angeles-based pawn shop operating since 1945, offering fast collateral loans on jewelry and valuables with same-day funding and gold buying services.
Best for: Los Angeles residents needing immediate cash ($100-$5,000+) who own jewelry or gold items, People without access to traditional credit or those seeking confidential lending alternatives
East LA pawn shop since 1964 offering collateral-based loans, gold and jewelry buying, and retail resale. Same-day cash with no credit check required.
Best for: East LA residents who need same-day cash and own jewelry, gold, watches, or luxury goods, Individuals selling or liquidating gold, coins, diamonds, or designer handbags for cash
12M Payday Loans operates physical locations across California offering fast payday loans up to $5,000 and check cashing services for urgent financial needs.
Best for: Customers with same-day or next-day cash needs in California who prefer in-person service and can visit a physical location, Individuals needing check cashing or money order services combined with emergency loan options
ACE Cash Express is a licensed payday lender offering $100–$255 short-term loans in California with same-day or next-business-day funding via online and 100+ in-store locations.
Best for: Consumers needing $100–$255 within 24 hours for genuine emergencies with immediate payday income, California residents with poor credit or thin credit files ineligible for traditional bank loans
Entri offers fast personal cash loans from $100–$5,000 with fixed payments, transparent terms, and in-person pickup at Curacao stores or direct bank deposit.
Best for: Borrowers needing $100–$500 quickly for unexpected expenses (medical, car repair, utilities), Consumers in California with Curacao store proximity who can visit in person for same-day cash
King's Jewelry & Loan is a Los Angeles pawnbroker since 1945 offering collateral pawn loans, gold/jewelry buying, luxury jewelry sales, and on-site repair.
Best for: Los Angeles residents needing fast cash using gold, jewelry, diamonds, or luxury watches as collateral, Sellers looking to liquidate estate jewelry, name-brand watches, or gold coins quickly
Los Angeles, CA car title loans at 1601 S La Brea Ave with Montana Capital Car Title Loans—same-day emergency funding available.
Best for: Borrowers with bad credit needing emergency funds larger than typical payday loans ($2,000+), Vehicle owners facing immediate cash shortages with no other financing options available
POLAM Federal Credit Union is a membership-based credit union offering home loans, auto loans, checking/savings accounts, and credit cards with access to 5,000+ shared branches nationwide.
Best for: Members seeking home mortgages with a lender that retains loans in-house for personalized service, Borrowers needing auto loans with high loan-to-value ratios (up to 125%) and flexible terms
Rize Credit Union is a financial institution offering banking services including checking, savings, and member products through their website at rizecu.com.
Best for: Individuals seeking member-owned financial institution benefits, Users interested in credit union banking alternatives to traditional banks
California Credit Union is a membership-based financial institution serving Los Angeles, Orange County, and San Diego with branch locations and digital banking services.
Best for: Existing members of California Credit Union and their immediate family seeking convenient branch access, Los Angeles and Orange County residents employed by partner organizations seeking credit union membership benefits
Credit Union of Southern California (CU SoCal) is a not-for-profit credit union serving Southern California with full-service banking, affordable credit products, and member benefits.
Best for: Employees of partner companies and students at affiliated schools seeking accessible credit union membership, Families with existing CU SoCal members who want to consolidate banking relationships and share member benefits
First City Credit Union is a Los Angeles County-based credit union offering checking, savings, loans, mortgages, and digital banking services to members.
Best for: Los Angeles County employees seeking member-owned banking with competitive rates, Borrowers with fair or limited credit seeking pre-qualified loans without hard credit checks
LA Healthcare FCU is a not-for-profit federal credit union serving healthcare professionals and employees at PIH Health Good Samaritan Hospital and California Hospital Medical Center with competitive banking and lending products.
Best for: Healthcare employees at PIH Health Good Samaritan Hospital or California Hospital Medical Center seeking member-owned banking, Medical professionals wanting competitive auto loan rates and flexible payment deferral options
Credit Repair Cloud is software and training platform enabling entrepreneurs to start and scale credit repair businesses by automating dispute letters, client management, and lead generation.
Best for: Entrepreneurs with business acumen and sales skills looking to launch a new credit repair company with minimal startup capital, Existing professionals (mortgage brokers, realtors, tax preparers, auto dealers) seeking to add credit repair as a complementary service
Infinite Financial Firm is a Los Angeles-based credit repair document preparation service that helps clients dispute inaccurate items on credit reports through a 3-step process.
Best for: Consumers with multiple negative items (charge-offs, collections, bankruptcies) seeking structured guidance on dispute process, Los Angeles-area residents who prefer local, personalized service with 1-on-1 support
Unable to verify company details—website currently inaccessible (403 Forbidden error). Credit repair company claims to dispute errors and negative items on credit reports.
Best for: Consumers in Los Angeles, California looking for credit repair services, People who prefer working with a local credit repair provider
Credit800.net LLC is a California-based credit repair company established in 2021. Limited public information available about specific services.
Best for: California residents seeking credit repair services from a state-registered LLC, Consumers willing to contact the company directly for service details and pricing
iMax Credit Repair uses attorney-led litigation and disputes to remove negative items from credit reports. They charge $0 upfront and only collect fees after achieving results.
Best for: Consumers with multiple negative items willing to wait 45-180 days for potential removal, Clients with sufficient budgets for attorney-led litigation (several hundred to thousands of dollars)
Unable to verify. Website returns 403 Forbidden error, preventing access to company information, services, or credentials.
Best for: Consumers in Los Angeles, California looking for credit repair services, People who prefer working with a local credit repair provider
Non-profit financial counseling and tax prep service offering free workshops, 1:1 counseling, and tax filing assistance to low- and moderate-income individuals and families.
Best for: Low- and moderate-income individuals and families seeking free tax preparation and EITC credit optimization, Individuals struggling with housing instability or navigating rental/homeownership financial challenges
Non-profit organization providing free community development, homeownership assistance, and faith-based financial counseling to low-income Asian American families and individuals.
Best for: Asian American families and individuals seeking free homeownership assistance and down payment support, Faith leaders and faith-based organizations looking for community development training and resources
Non-profit financial counseling and tax preparation service providing certified financial education, housing counseling, and free tax filing to low- and moderate-income individuals and families.
Best for: Low- to moderate-income individuals seeking free tax preparation and EITC maximization, Homeowners and renters facing housing instability seeking counseling on financial and housing challenges
Los Angeles Neighborhood Housing Services provides HUD-approved housing counseling and non-profit financial guidance to LA County residents seeking homeownership and financial stability.
Best for: First-time homebuyers seeking HUD-approved counseling in LA County, Low-to-moderate income residents needing free financial education
Nonprofit credit counseling organization offering debt management plans, debt resolution, and financial counseling to help consumers reduce debt faster and lower interest rates.
Best for: Consumers with multiple high-interest credit cards seeking debt consolidation into manageable single payments, Individuals considering bankruptcy who want to explore alternative debt management options first
Unable to verify: Website returns 403 Forbidden error. Cannot access content to confirm organization type, services, or legitimacy.
Best for: Free housing counseling, Foreclosure prevention
Building Block Capital provides small business loans and equipment financing from $5,000 to $5,000,000 with same-day quotes and next-day funding for businesses nationwide.
Best for: Small business owners who need capital quickly and cannot wait for traditional bank loan approval timelines, Businesses with limited credit history or previous credit challenges seeking alternative lenders
Lendistry provides small business loans from $25,000 with terms up to 10 years, using alternative underwriting to serve business owners traditionally underserved by banks.
Best for: Small business owners rejected by traditional banks who need $25,000+ in growth capital, Minority-owned and women-owned businesses seeking equitable lending terms and alternative underwriting
LendSeek is a business lending marketplace connecting small business owners to over 100 funders offering term loans, lines of credit, equipment financing, and revenue-based funding with approval and funding claimed within 24 hours.
Best for: Small business owners seeking to compare multiple funding options without submitting separate applications to individual lenders, Businesses needing working capital, equipment financing, or lines of credit with flexible terms
LoanHQ provides fast business funding solutions including small business loans, lines of credit, and revenue-based financing for established SMBs with streamlined online applications.
Best for: Existing small to medium-sized businesses needing working capital quickly, Business owners wanting to compare multiple funding offers before committing
PACE Business Development Center provides affordable small business loans, free consulting, and government contracting support to help local businesses start, grow, and expand operations.
Best for: Early-stage entrepreneurs seeking affordable startup capital with business guidance, Small business owners targeting government contracts as growth strategy
Process Green is a merchant services company specializing in credit card processing, payment gateways, and merchant account management for high-risk and low-risk businesses in California.
Best for: Small to mid-sized businesses seeking to reduce credit card processing costs, High-risk merchants struggling to obtain or maintain merchant accounts
Los Angeles-based mortgage broker specializing in purchase and refinance loans for busy professionals, emphasizing personal service and strategic offer positioning.
Best for: Los Angeles-area first-time homebuyers seeking personalized guidance and plain-language explanations, Busy professionals prioritizing relationship-based service over fully automated processes
Banc of California specializes in commercial real estate lending with loans from $3M-$35M+ for income-producing properties including multifamily, office, retail, and industrial assets.
Best for: Commercial real estate investors and developers with projects requiring $3M-$35M+ in financing, Multifamily apartment complex owners seeking bridge or permanent financing
Crescent Lenders is a direct hard money and bridge lender in Los Angeles offering fast real estate financing up to $5M for commercial, residential, and business properties with 5-7 day funding.
Best for: Real estate investors needing quick capital for time-sensitive property acquisitions or fix-and-flip projects, Homebuyers purchasing a new property before their existing home has sold
Nationwide mortgage lender offering purchase, refinance, investment, and specialized loans with same-day pre-approval and 71+ years of combined experience.
Best for: Self-employed borrowers and non-traditional income earners needing bank statement or no-tax-return loan programs, Real estate investors seeking DSCR, fix-and-flip, or portfolio loan financing for multiple properties
Private hard money lender in Glendale, CA specializing in fast real estate financing for purchases, refinances, fix-and-flip projects, and bridge loans with approval in 48 hours.
Best for: Real estate investors and fix-and-flip project developers needing fast capital with flexible underwriting, Property owners facing foreclosure who need quick bridge or bailout financing
City Capital Realty provides hard money loans from $250K–$10M for real estate investors and property owners in Los Angeles, with approval in under 9 business days.
Best for: Real estate investors needing quick capital for time-sensitive acquisition or renovation deals, Commercial property buyers and developers requiring bridge financing or gap funding
California-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, foreclosure prevention, and auto accident claims since 1995.
Best for: California residents facing foreclosure, wage garnishment, or multiple collection actions seeking Chapter 7 or Chapter 13 relief, Homeowners with $300K-$600K+ home equity seeking bankruptcy protection under California's increased homestead exemption
Los Angeles-based bankruptcy law firm specializing in Chapter 7, Chapter 13, and debt settlement for individuals overwhelmed by credit card, mortgage, tax, and student loan debt.
Best for: Individuals with $20,000+ in unsecured debt (credit cards, personal loans, medical bills) considering Chapter 7 liquidation, Homeowners facing foreclosure or struggling with mortgage payments who need legal protection
Los Angeles bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with 29+ years of experience. Offers free consultations, flat fees, and payment plans.
Best for: Southern California residents facing foreclosure, repossession, or wage garnishment seeking immediate bankruptcy relief, Debtors seeking direct attorney consultation rather than paralegal-led firms
Los Angeles-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, foreclosure defense, and debt relief for individuals and small businesses across Southern California.
Best for: Southern California residents facing home foreclosure and seeking to retain property through bankruptcy, Individuals with multiple debt types (credit cards, tax debt, student loans, medical bills) considering Chapter 7 or Chapter 13
Los Angeles-based debt management firm offering bankruptcy guidance, debt settlement, and reorganization with 50+ years of experience and same-day free consultations.
Best for: Los Angeles-area residents facing multiple debts seeking immediate guidance and same-day consultation, Spanish-speaking consumers needing debt management or bankruptcy navigation in their preferred language
Los Angeles-based commercial and consumer debt collection agency that helps businesses recover overdue invoices and accounts receivable nationwide and internationally.
Best for: Small to mid-sized businesses with overdue B2B invoices seeking personalized collection service, Dental practices, medical offices, and professional services firms with recurring payment issues
Roundleaf Inc. offers debt settlement, management, and budgeting services to Los Angeles residents, with in-person consultations and live phone support since 2006.
Best for: Los Angeles residents with $15,000+ in unsecured debt who want local, in-person debt relief consultation, Business owners facing company debt who need hands-on financial guidance and creditor negotiation
High Rise Financial provides non-recourse pre-settlement lawsuit funding to personal injury plaintiffs in Los Angeles, advancing cash against expected legal settlements with no repayment required if the case is lost.
Best for: Personal injury accident victims pending litigation who have immediate financial needs and cannot wait for settlement, Plaintiffs with strong negligence and liability cases where defendant fault is clear, increasing approval likelihood
US Direct Advance provides pre-settlement funding (non-recourse loans) of $500–$100,000 to plaintiffs awaiting personal injury lawsuit settlements, with no credit check or monthly payments required.
Best for: Personal injury plaintiffs with active lawsuits and attorney representation who need cash to cover bills while awaiting settlement, Accident victims facing financial hardship due to medical bills, lost wages, or living expenses during litigation
Online personal loan marketplace connecting borrowers to a network of lenders offering $1,000–$5,000 loans with fast approval and next-business-day funding.
Best for: Borrowers with fair to poor credit seeking $1,000–$5,000 personal loans and willing to accept higher APR rates, Individuals needing funds within 24–48 hours for planned expenses (not immediate same-day emergencies)
Build credit by paying your existing subscriptions (Netflix, Spotify, etc.) through a virtual Mastercard that reports to all 3 bureaus.
Best for: Consumers looking for financial services
Non-profit offering zero-interest, zero-fee loans up to $15K for personal needs and up to $50K for small businesses in Los Angeles, Ventura, and Santa Barbara counties.
Best for: Borrowers in Los Angeles, Ventura, or Santa Barbara counties with stable income but limited credit history, Small business owners seeking start-up or expansion funding without interest burden
Sunbit is a Los Angeles fintech offering point-of-sale BNPL financing for dental, auto, optical, and veterinary services at 30,000+ locations. Forbes Fintech 50 (3 years). 90% approval rate, soft credit check only. APR 0-35.99%.
Best for: Consumers needing to finance dental work, auto repairs, veterinary care, or optical services at the point of sale, Individuals with fair or limited credit who want a 90% approval rate with only a soft credit check
California Consumer Protections: California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.
Interest Rate Cap: California usury cap: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100.
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 California Attorney General Consumer Protection.
Our editors reviewed hundreds of companies to find the best options nationwide.
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