Compare 66 credit repair companies, personal lenders, and financial services in Memphis, Tennessee. All independently reviewed with BBB ratings and pricing.
Memphis bankruptcy law firm specializing in Chapter 7 and Chapter 13, with qualifying clients eligible for $0 upfront attorney fees on Chapter 13 cases.
Best for: Memphis-area individuals considering Chapter 13 who cannot afford upfront legal fees, Debtors with complex financial situations who benefit from an attorney with a CPA background
Memphis-based credit union serving employees of CN Railroad, Illinois Central Railroad, and Amtrak since 1932. Offers savings, loans, mobile banking, and retirement accounts.
Best for: Employees of CN Railroad, Illinois Central Railroad, or Amtrak seeking stable, member-owned banking, Railroad industry workers interested in IRAs and retirement planning with personalized service
Memphis, TN is home to Community Bank's branch at 6525 N Quail Hollow Rd, Suite 107, which is open Mon-Fri 9AM-4PM.
Best for: Customers seeking traditional banking with physical branch access and local relationship-based service, Small business owners and entrepreneurs needing comprehensive business banking solutions
FAA Federal Credit Union is a member-owned financial cooperative offering checking, savings, loans, and credit cards with digital banking services and vehicle financing tools.
Best for: Eligible credit union members seeking comprehensive banking services with digital-first access, Members interested in vehicle financing with integrated shopping tools for autos, boats, motorcycles, and RVs
Credit repair and financial coaching company founded in 2015 by owners who repaired their own credit and debt. Offers dispute services, financial education, and personalized coaching.
Best for: Consumers with multiple negative items on credit reports seeking personalized coaching alongside disputes, Individuals interested in financial education and behavior change, not just credit score improvement
Firefighters First Credit Union is a Memphis-based financial institution serving firefighters and their families with membership-based banking and business services.
Best for: Firefighters and emergency responders seeking membership-based banking with community focus, Small business owners within firefighter community needing business banking and credit cards
E-Z Cash offers payday loans (up to $425) and title loans (up to $2,500) with fast funding at physical locations across Tennessee, Mississippi, and Louisiana.
Best for: Workers facing genuine one-time emergencies with no other credit access who can repay in 14 days, Vehicle owners needing $500–$2,500 quickly with title loan as collateral alternative
One Stop Money Shop is a cash advance and loan services provider located in Memphis, TN, established in 2011, offering emergency financial solutions.
Best for: Memphis-area residents needing in-person access to emergency cash advances, Consumers preferring face-to-face interactions over online lending platforms
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PaydayRise is a Memphis-based loan matching service connecting borrowers with a network of lenders offering emergency cash, installment, and personal loans from $100–$5,000.
Best for: Memphis and Tennessee residents needing $100–$5,000 for urgent expenses with same-day or next-business-day funding, Borrowers with imperfect credit seeking alternatives to traditional bank loans
Memphis, TN's ACE Cash Express at 416 E E.H.Crump Blvd offers same-day payday and title loans for quick cash needs.
Best for: Consumers with same-day cash needs and no access to traditional lending or credit lines, Vehicle owners needing emergency cash who can secure a title loan in their state
This is an Exxon gas station location in Memphis, TN offering convenience store services and fuel rewards—not a check-cashing business.
Best for: Drivers needing 24/7 fuel access in Memphis, Commercial fleet operators with diesel requirements
4155 Elvis Presley Blvd in Memphis, TN — MoneyGram check-cashing location open daily 8AM–11PM for money transfers and bill payments.
Best for: Unbanked and underbanked consumers without access to traditional bank accounts, Immigrants and expatriates sending money to family members internationally
Memphis MoneyGram at 32 S 2nd St offers fast check cashing and money transfer services.
Best for: Unbanked or underbanked consumers without access to traditional bank wire services, Customers needing to send/receive money outside of standard 9-5 banking hours
National Check Cashing in Memphis offers check cashing, cash advances, money orders, and bill payment services at their S 3rd St location.
Best for: Memphis-area residents needing immediate cash from checks without bank account delays, Individuals seeking quick cash advances with same-day or next-day availability
1620 Madison Ave, Memphis, TN features a Western Union location offering check cashing and money transfers, open daily 9AM-6PM.
Best for: Customers sending money domestically or internationally with flexible pickup timing, Unbanked or underbanked individuals preferring in-person transactions at familiar retail locations
Cash Depot is a small check-cashing and financial services business operating in Memphis, Tennessee since 2004, with 4 employees.
Best for: Memphis-area residents needing quick check-cashing without bank account requirements, Small businesses requiring local check processing and cash transaction services
Memphis-based credit union serving employees of CN Railroad, Illinois Central Railroad, and Amtrak since 1932. Offers savings, loans, mobile banking, and retirement accounts.
Best for: Employees of CN Railroad, Illinois Central Railroad, or Amtrak seeking stable, member-owned banking, Railroad industry workers interested in IRAs and retirement planning with personalized service
FAA Federal Credit Union is a member-owned financial cooperative offering checking, savings, loans, and credit cards with digital banking services and vehicle financing tools.
Best for: Eligible credit union members seeking comprehensive banking services with digital-first access, Members interested in vehicle financing with integrated shopping tools for autos, boats, motorcycles, and RVs
Firefighters First Credit Union is a Memphis-based financial institution serving firefighters and their families with membership-based banking and business services.
Best for: Firefighters and emergency responders seeking membership-based banking with community focus, Small business owners within firefighter community needing business banking and credit cards
HealthNet Federal Credit Union is a member-owned credit union offering checking/savings accounts, loans, credit cards, and financial services with access to 30,000+ surcharge-free ATMs.
Best for: Members seeking traditional credit union banking with competitive rates and member ownership benefits, Consumers who value extensive ATM/branch network access across the U.S.
Binsy Federal Credit Union was a Memphis, TN-based credit union that merged into Southern Security Federal Credit Union in Collierville, TN as of December 30, 2022.
Best for: Former Binsy Federal Credit Union members transitioning to Southern Security Federal Credit Union, Individuals researching credit union merger history in Tennessee
I Trust Federal Credit Union is a Memphis-based credit union offering financial services to members in the Greater Memphis area.
Best for: Memphis-area residents seeking member-owned banking alternatives, Individuals potentially eligible for specialized credit union membership
Memphis-based jewelry buyer and collateral lender offering same-day cash for gold, silver, diamonds, and fine jewelry with no credit check required.
Best for: Individuals needing immediate cash who own jewelry, watches, or precious metals and want to avoid credit checks, Memphis residents looking to sell gold, silver, diamonds, or valuables without appointment hassle
Memphis, TN's Cash America Pawn at 3305 Austin Peay Hwy offers fast cash loans on valuables.
Best for: Consumers with valuable collateral and immediate cash needs who lack access to traditional credit, Those seeking short-term liquidity without credit checks or impact on credit scores
Memphis, TN's Cash America Pawn at 2421 Covington Pike offers quick cash for jewelry, electronics, and collectibles.
Best for: Consumers needing immediate cash who own valuable collateral (jewelry, electronics, instruments), People with poor credit or no credit history unable to qualify for traditional personal loans
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Libra Loans is a loan marketplace that connects borrowers to a network of lenders offering personal loans from $1,000-$5,000 with fast processing and same-day or next-business-day funding.
Best for: Borrowers with fair or poor credit seeking fast personal loans of $1,000-$5,000, Consumers with urgent financial needs who prioritize speed over rate shopping
Memphis bankruptcy law firm specializing in Chapter 7 and Chapter 13, with qualifying clients eligible for $0 upfront attorney fees on Chapter 13 cases.
Best for: Memphis-area individuals considering Chapter 13 who cannot afford upfront legal fees, Debtors with complex financial situations who benefit from an attorney with a CPA background
Law Office of Steven F. Bilsky provides bankruptcy legal representation for individuals and businesses in Memphis, Tennessee, specializing in Chapter 7 and Chapter 13 filings.
Best for: Memphis and surrounding Tennessee residents facing overwhelming consumer debt considering Chapter 7 liquidation, Business owners seeking Chapter 11 reorganization or personal Chapter 13 debt restructuring plans
Memphis-based bankruptcy law firm specializing in Chapter 7, 13, and 11 filings with 25+ years of experience. Offers free consultations and personalized attorney-led representation.
Best for: Memphis-area residents facing Chapter 7 liquidation with unsecured debts exceeding assets, Wage earners seeking Chapter 13 repayment plans to retain property (home, vehicle)
Memphis-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, offering free consultations and post-bankruptcy credit rebuilding assistance.
Best for: Memphis-area residents facing imminent foreclosure or vehicle repossession needing rapid bankruptcy filing, Individuals with wage garnishments seeking Chapter 13 wage earner plans to stop collection actions
Memphis-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with nearly 20 years of experience. Offers free consultations and direct attorney representation.
Best for: Tennessee residents facing foreclosure or vehicle repossession who need legal representation, Individuals overwhelmed by medical debt, credit cards, or job loss seeking debt relief options
Non-profit financial counseling center in Memphis offering free certified financial counselor services and credit education for Shelby County residents.
Best for: Shelby County residents seeking free, professional financial counseling, Consumers needing general financial guidance and education
MemphisDEBT is a nonprofit collaborative offering free financial education and resources to help Memphis residents avoid bankruptcy and predatory lending.
Best for: Memphis-area residents seeking free financial education and understanding bankruptcy risks, Low-income individuals vulnerable to predatory lending and fringe financial services
RISE Foundation is a Memphis-based nonprofit providing financial literacy programs and asset-building tools to low-income working families. Founded in 1999, they help clients save, budget, and achieve financial self-sufficiency.
Best for: Low-income working Memphis residents seeking to build savings and financial literacy skills, Individuals preparing for major purchases (homes, vehicles) and needing budgeting guidance
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Memphis, TN is home to Community Bank's branch at 6525 N Quail Hollow Rd, Suite 107, which is open Mon-Fri 9AM-4PM.
Best for: Customers seeking traditional banking with physical branch access and local relationship-based service, Small business owners and entrepreneurs needing comprehensive business banking solutions
Landmark Community Bank was a Tennessee-based community bank acquired by Simmons First National Corporation in 2021, offering locally-focused banking services with emphasis on credit culture and community involvement.
Best for: Historical analysis of Tennessee banking market consolidation and M&A activity, Researchers studying community bank acquisition patterns in the Southeast
AAA Northeast is a membership organization offering roadside assistance, travel services, insurance, and banking products including auto loans, mortgages, and credit cards to members in six northeastern states.
Best for: Existing AAA members in Connecticut, Massachusetts, New Jersey, New York, Rhode Island, or New Hampshire seeking consolidated financial and automotive services, Vehicle buyers looking to combine auto loans with AAA's car buying program and approved repair network
ARCO Collection Services is a full-service debt collection agency based in Memphis, TN that works with creditors to recover delinquent accounts through persistent contact and legal processes.
Best for: Healthcare providers and hospitals seeking to recover unpaid patient balances, Finance companies and credit unions managing delinquent loan portfolios
Credit repair and financial coaching company founded in 2015 by owners who repaired their own credit and debt. Offers dispute services, financial education, and personalized coaching.
Best for: Consumers with multiple negative items on credit reports seeking personalized coaching alongside disputes, Individuals interested in financial education and behavior change, not just credit score improvement
Memphis-based financial services firm offering tax preparation, insurance consultation, real estate services, and estate planning with a focus on personalized financial strategy.
Best for: Individuals and small business owners in Memphis seeking coordinated tax and financial planning from a single advisor, Real estate buyers, sellers, and renters in the Memphis area who want integrated financial and legal services
Memphis, TN personal loans at Loan for Any Purpose located at 2556 N Hollywood St with flexible terms and same-day service.
Best for: Borrowers with bad or thin credit needing $250–$5,000 quickly with no hard credit inquiry, Detroit-area residents needing same-day cash outside standard banking hours
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. HUD-approved counselors in Memphis offer free guidance at consumerfinance.gov.
Our editors reviewed hundreds of companies to find the best options nationwide.
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