Macclenny, FL

Credit Repair & Financial Services in Macclenny

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

Florida avg credit score: 706 Median income: $71,711 Poverty rate: 11.4% Payday loans: Legal Florida overview →

Featured Provider Profiles in Macclenny

5 companies
Advance America logo

Advance America

Macclenny, FL's Advance America at 1350 S 6th St offers payday and title-loan profile details to local residents.

BBB: NR

Profile signals: Borrowers with short-term cash needs ($100–$1,000) and steady income for repayment within weeks, Vehicle owners needing larger short-term funds ($2,000–$25,000) and willing to use car as collateral

Gold & Guns Pawn logo

Gold & Guns Pawn

Family-owned pawn shop in Macclenny, FL specializing in firearms, jewelry, and collateral-based loans with same-day cash.

BBB: NR

Profile signals: Individuals with poor or no credit history researching short-term cash access for emergencies, Firearm enthusiasts and hunters seeking to buy, sell, or trade weapons and ammunition

The Pawnderosa logo

The Pawnderosa

Review this provider profile and compare source-linked details before choosing what to do next.

BBB: NR

Profile signals: People researching short-term cash access with eligibility claims to verify, Borrowers with valuable items as collateral

Tru Fi logo

Tru Fi

Member-owned credit union serving local communities for over 57 years, offering mortgage loans, savings accounts, and debit/credit cards to its members.

BBB: NR

Profile signals: Local community members seeking relationship-based banking with hometown financial institution, Mortgage borrowers looking for community credit union lending alternatives

Western Union logo

Western Union

Macclenny Western Union at 1436 FL-121 offers check-cashing and money transfer services daily from 7AM to 10PM.

BBB: NR

Profile signals: Immigrants and international workers sending remittances to family members in home countries, Unbanked and underbanked consumers without access to traditional checking accounts

Pawn Shops in Macclenny

View all →
Gold & Guns Pawn logo

Gold & Guns Pawn

Family-owned pawn shop in Macclenny, FL specializing in firearms, jewelry, and collateral-based loans with same-day cash.

BBB: NR

Profile signals: Individuals with poor or no credit history researching short-term cash access for emergencies, Firearm enthusiasts and hunters seeking to buy, sell, or trade weapons and ammunition

The Pawnderosa logo

The Pawnderosa

Review this provider profile and compare source-linked details before choosing what to do next.

BBB: NR

Profile signals: People researching short-term cash access with eligibility claims to verify, Borrowers with valuable items as collateral

Emergency Cash in Macclenny

View all →
Advance America logo

Advance America

Macclenny, FL's Advance America at 1350 S 6th St offers payday and title-loan profile details to local residents.

BBB: NR

Profile signals: Borrowers with short-term cash needs ($100–$1,000) and steady income for repayment within weeks, Vehicle owners needing larger short-term funds ($2,000–$25,000) and willing to use car as collateral

Credit Unions in Macclenny

View all →
Tru Fi logo

Tru Fi

Member-owned credit union serving local communities for over 57 years, offering mortgage loans, savings accounts, and debit/credit cards to its members.

BBB: NR

Profile signals: Local community members seeking relationship-based banking with hometown financial institution, Mortgage borrowers looking for community credit union lending alternatives

Check Cashing & Money Services in Macclenny

View all →
Western Union logo

Western Union

Macclenny Western Union at 1436 FL-121 offers check-cashing and money transfer services daily from 7AM to 10PM.

BBB: NR

Profile signals: Immigrants and international workers sending remittances to family members in home countries, Unbanked and underbanked consumers without access to traditional checking accounts

Your Rights in Florida

Florida Consumer Protections: Florida allows payday lending with notable consumer-protection context including a statewide database preventing multiple simultaneous loans, a $500 cap, and a 24-hour cooling-off period. The Office of Financial Regulation oversees all consumer lenders. Consumers can file complaints online through the OFR or the Attorney General.

Interest Rate Cap: Florida usury cap: 18% for loans under $500,000; 25% criminal usury threshold; payday loans regulated separately.

Key Regulations:
  • Payday loans (deferred presentment) capped at $500 with maximum fee of $10 per $100 ($300) or $15 per $100 ($300-$500).
  • Borrowers can have only one outstanding payday loan at a time, tracked via a statewide database.
  • A mandatory 24-hour cooling-off period is required between payday loans.
  • The Florida Consumer Finance Act regulates installment lenders with tiered rate caps.

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 Florida Attorney General Consumer Protection Division.

Research Service Guides

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

Browse Other Cities

Affiliate Disclosure: CreditDoc may earn a commission when you click links to products and services featured on this page. Compensation does not determine whether a provider can be covered or how visible star ratings are calculated. Learn more.