Compare 69 credit repair companies, personal lenders, and financial services in Memphis, Tennessee. All independently reviewed with BBB ratings and pricing.
Advantage Pawn is a Memphis-based pawn shop offering collateral loans, gold/jewelry buying, and retail sales with 28+ years in business.
Best for: Memphis-area residents needing immediate cash with physical collateral to pledge, People with items of value (jewelry, electronics, tools) they don't immediately need
Memphis-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, with 40+ years of experience. Offers free petition preparation and $0 upfront fees on most Chapter 13 cases.
Best for: Homeowners facing foreclosure who want to keep their property and catch up on arrears through Chapter 13, Memphis-area residents with significant unsecured debt (medical bills, credit cards, payday loans) considering Chapter 7 liquidation
Memphis-based bankruptcy and personal injury law firm offering Chapter 7/13 bankruptcy, foreclosure defense, and accident representation with 39 years of experience.
Best for: Memphis and surrounding county residents facing medical debt, credit card debt, or foreclosure who want experienced local bankruptcy counsel, Tennessee accident victims needing personal injury representation with a firm that emphasizes communication and case investigation
Memphis-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings. Offers free consultations and has served clients since 1997.
Best for: Memphis-area residents with Chapter 7 or Chapter 13 bankruptcy needs and regular income, Consumers facing wage garnishment, foreclosure, or creditor harassment seeking immediate legal intervention
Best Pawn is a Memphis-based pawn shop offering cash loans and sales for jewelry, electronics, and tools with over 15 years of local experience.
Best for: Customers needing immediate cash with valuable items to pledge or sell, Those seeking to sell unused jewelry, electronics, or tools for quick cash
Accent Jewelers offers fast, confidential collateral-based loans using jewelry, gold, diamonds, and other valuables in Memphis, TN. No credit check required.
Best for: Consumers with damaged credit who need emergency cash within 24-48 hours, People with jewelry or valuables they no longer need but want to access capital from temporarily
Memphis-based payday and title loan lender offering fast cash up to $2,500 with same-day or next-day funding. First advance is free for new customers.
Best for: Memphis-area residents facing immediate cash emergencies with no other options, Borrowers with poor or no credit history unable to access traditional loans
Memphis-based lender offering payday loans and title loans up to $2,500 with same-day or next-day funding. First advance is free for new customers.
Best for: Consumers with true emergencies who have exhausted all lower-cost alternatives (credit unions, PALs, employer advances, family/friends), Borrowers with damaged credit unable to qualify for traditional bank loans or credit cards
Second Chance Ventures is a loan marketplace connecting applicants to a network of lenders offering personal and short-term loans from $100–$5,000 with same-day to next-business-day funding.
Best for: Borrowers with poor or limited credit seeking same-day emergency cash for unexpected expenses, Applicants needing small loans ($100–$1,000) for immediate expenses without multi-week underwriting
Unable to verify current business operations. Website returns 403 Forbidden error, preventing access to service details, rates, and company information.
Best for: Consumers in Memphis, Tennessee looking for personal lending services, People who prefer working with a local personal lending provider
Tennessee-based title and payday lender offering same-day cash loans up to $2,500 with promotional rates for new customers.
Best for: Consumers with vehicle titles facing immediate emergency expenses who can repay within 30 days, Payday loan borrowers seeking same-day funding with checking accounts and stable income
NiceLoans! offers fast personal and payday loans up to $2,000 with same-day service estimates across 4 Tennessee locations, emphasizing quick approval and flexible repayment options.
Best for: Tennessee residents with urgent cash needs under $2,000 who prefer in-person service, Consumers who want to speak with a loan professional before committing to a loan
FedTrust Federal Credit Union is a member-owned financial cooperative offering savings accounts, loans, and banking services to individuals in the Memphis area.
Best for: Memphis-area residents or employees with payroll deduction eligibility seeking personalized service and member-owner benefits, Individuals seeking traditional mortgage, auto, or motorcycle financing with competitive rates and personal service
Kennedy VA Employees FCU is a federal credit union serving employees of the Memphis Kennedy Veterans Administration Medical Center and their immediate family members, offering checking, savings, loans, and credit cards.
Best for: Current employees of Memphis Kennedy Veterans Administration Medical Center, Family members (parents, children, siblings) of VA Medical Center employees seeking member access
SecurCommunity Federal Credit Union (formerly Shelby County FCU) is a member-owned financial cooperative serving Shelby and DeSoto counties with auto loans, checking/savings accounts, credit cards, and mortgages.
Best for: Shelby County and DeSoto County residents seeking low-cost auto financing with flexible terms, First-time auto buyers with limited credit history looking for specialized lending programs
UT Federal Credit Union is a member-owned credit union offering checking, savings, auto loans, mortgages, and credit cards with competitive rates and a community-focused approach.
Best for: East Tennessee residents seeking community-focused banking with local branch access, Members prioritizing relationship banking and personalized service over rate optimization
FAA Federal Credit Union is a member-owned financial institution offering checking, savings, loans, credit cards, and mortgages with competitive rates and nationwide shared branch access.
Best for: Credit union members seeking competitive auto financing across diverse vehicle types including specialty vehicles, Consumers with auto-centric financial needs who value the EZ Auto Search shopping integration
Member-owned credit union serving City of Memphis employees and affiliated organizations since 1959, offering checking, savings, loans, and CDs with competitive rates.
Best for: City of Memphis employees and their families seeking member-owned banking with personalized service, Employees of MLGW, Smith & Nephew, Airport Authority, and other affiliated organizations looking for competitive loan rates
Memphis-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, with 40+ years of experience. Offers free petition preparation and $0 upfront fees on most Chapter 13 cases.
Best for: Homeowners facing foreclosure who want to keep their property and catch up on arrears through Chapter 13, Memphis-area residents with significant unsecured debt (medical bills, credit cards, payday loans) considering Chapter 7 liquidation
Memphis-based bankruptcy and personal injury law firm offering Chapter 7/13 bankruptcy, foreclosure defense, and accident representation with 39 years of experience.
Best for: Memphis and surrounding county residents facing medical debt, credit card debt, or foreclosure who want experienced local bankruptcy counsel, Tennessee accident victims needing personal injury representation with a firm that emphasizes communication and case investigation
Memphis-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings. Offers free consultations and has served clients since 1997.
Best for: Memphis-area residents with Chapter 7 or Chapter 13 bankruptcy needs and regular income, Consumers facing wage garnishment, foreclosure, or creditor harassment seeking immediate legal intervention
Memphis-based bankruptcy attorney Janet M. Lane offers Chapter 7 and Chapter 13 filing services with 30+ years of experience helping Tennessee residents achieve debt relief.
Best for: Memphis-area residents filing Chapter 7 bankruptcy to eliminate unsecured debts, Tennessee individuals facing wage garnishment, foreclosure, or creditor harassment needing legal intervention
Memphis-based bankruptcy law firm specializing in Chapter 7 and 13 bankruptcy, foreclosure defense, and debt relief for individuals and businesses. Led by attorney David N. Arnold with nearly two decades of experience.
Best for: Memphis-area residents and West Tennessee businesses facing Chapter 7 or Chapter 13 bankruptcy situations, Business owners seeking personal or corporate bankruptcy guidance with customized solutions
Memphis-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with 51 years of combined attorney experience and free consultations.
Best for: Memphis-area consumers filing Chapter 7 bankruptcy seeking local attorney representation, Debtors pursuing Chapter 13 repayment plan bankruptcies who prefer established local counsel
Memphis-based credit repair firm specializing in dispute resolution, credit score improvement, and small business credit optimization. Founded by Crystal Lomax.
Best for: Memphis-area residents seeking local credit repair with founder engagement and personal relationship building, Small business owners needing both personal and business credit optimization before loan applications
Credit Professional Services offers credit repair and dispute services targeting consumers in the Memphis area seeking to improve credit scores through error correction.
Best for: Consumers in Memphis, Tennessee looking for credit repair services, People who prefer working with a local credit repair provider
Credit Consulting Services offers credit restoration, dispute services, and homeownership programs since 1999. Based in Memphis, TN with personalized credit repair and mortgage guidance.
Best for: Memphis-area residents with collections, charge-offs, and late payments seeking local, in-person credit repair consultation, First-time homebuyers with credit damage who want integrated credit repair and mortgage pre-approval guidance
Memphis-based credit repair consulting firm helping individuals and businesses improve credit scores through dispute services and financial literacy education.
Best for: Memphis-area residents and small business owners seeking personalized, relationship-based credit repair, Clients who prefer working with a local, boutique firm rather than large national companies
Empower Score Repair disputes negative items and errors on credit reports to help raise credit scores. They offer online account access, three-bureau monitoring, and claim results within 60 days.
Best for: Consumers with multiple negative items on credit reports seeking consolidation of disputes and monitoring, Individuals who prefer hands-off credit repair with online account access to track progress
The Credit People offers credit repair services in Memphis with dispute filing, credit report analysis, and personalized expert guidance to remove inaccurate negative items.
Best for: Memphis residents with documented errors on credit reports who prefer phone-based expert guidance, Consumers unfamiliar with dispute procedures and wanting step-by-step professional handling
Community bank in Memphis, TN offering personal and business banking with competitive money market and CD rates, plus mortgage and construction lending services.
Best for: Small business owners and entrepreneurs seeking personalized lending and growth capital with relationship-based banking, High-net-worth individuals interested in private banking with dedicated banker attention and customized solutions
Independent Bank is a community bank based in Memphis, TN offering checking, savings, CDs, auto loans, HELOCs, and personal lines of credit through multiple branch locations.
Best for: Memphis-area residents and small business owners seeking community-focused banking with local decision-making, Customers who prefer relationship-based banking and personalized service over digital-only platforms
Bank3 is a community bank established in 1910 offering personal and business banking services across Tennessee and Mississippi with a focus on experienced staff and personalized service.
Best for: Customers in Tennessee and Mississippi seeking community bank relationships with personal service, Small business owners in regional markets needing local banking partnerships and ACH/wire capabilities
Financial Federal is a locally owned community bank in Memphis, TN offering personal and business banking products including checking, savings, CDs, money market accounts, and mortgage services with competitive rates.
Best for: Small business owners and entrepreneurs in the Memphis area seeking personalized lending and local decision-making, High-net-worth individuals seeking private banking relationship management and personalized service
First Horizon Bank is a full-service regional bank offering personal and business banking, mortgages, investment services, and wealth management across multiple states.
Best for: Consumers seeking comprehensive personal banking with multiple account tiers and integrated digital services, Small business owners requiring multiple banking products (checking, credit cards, loans, payroll, cash management) from a single institution
Independent Bank is a community-focused bank headquartered in Memphis, TN, offering checking, savings, CDs, loans, and online banking services to local customers.
Best for: Memphis-area residents seeking a community bank with local decision-making and branch access, Local small business owners who value personal banking relationships with established financial institutions
Advantage Pawn is a Memphis-based pawn shop offering collateral loans, gold/jewelry buying, and retail sales with 28+ years in business.
Best for: Memphis-area residents needing immediate cash with physical collateral to pledge, People with items of value (jewelry, electronics, tools) they don't immediately need
Best Pawn is a Memphis-based pawn shop offering cash loans and sales for jewelry, electronics, and tools with over 15 years of local experience.
Best for: Customers needing immediate cash with valuable items to pledge or sell, Those seeking to sell unused jewelry, electronics, or tools for quick cash
Accent Jewelers offers fast, confidential collateral-based loans using jewelry, gold, diamonds, and other valuables in Memphis, TN. No credit check required.
Best for: Consumers with damaged credit who need emergency cash within 24-48 hours, People with jewelry or valuables they no longer need but want to access capital from temporarily
Memphis Gold and Diamond Buyers purchases jewelry, coins, bullion, and precious metals for cash with same-day payment. Founded in 2010, they operate in the Memphis area with transparent on-site valuation.
Best for: People with broken, unwanted, or estate jewelry seeking immediate cash without appointments, Coin and bullion collectors wanting to sell holdings to a knowledgeable buyer
Reliable Pawn & Curio is a pawn shop on Summer Ave in Memphis, TN, offering collateral-based loans and buying used goods with flexible payment options.
Best for: Customers needing immediate cash who have valuable personal items to use as collateral, People looking to sell used goods quickly without the time investment of online marketplaces
Memphis-based pawn shop offering collateral-based loans, gun sales, and ammunition. Quick, confidential cash loans with no credit checks required.
Best for: Firearms enthusiasts and hunters seeking both retail selection and pawn loan services in Memphis, Gun owners needing quick cash access without credit checks or lengthy approval processes
CoreLend Financial is a hard money lender serving Memphis and Birmingham investors with fast bridge loans, fix-and-flip financing, and construction funding up to 100% loan-to-value.
Best for: Real estate investors pursuing fix-and-flip or rehab-and-sell strategies in Memphis and Birmingham, Buy-and-hold investors needing bridge financing or construction loans for rental property development
New American Funding Memphis is a mortgage lender offering conventional, VA, and ARM loans with a local team rated 4.98/5 on 227 reviews.
Best for: First-time homebuyers in Memphis area seeking down payment assistance and patient guidance through the mortgage process, Veterans and active duty military members looking for VA loans with no down payment requirements
Unable to verify current services: Central Loan & Finance Co.'s website is currently blocked by Wordfence security plugin, preventing access to company information.
Best for: Consumers in Memphis, Tennessee looking for personal lending services, People who prefer working with a local personal lending provider
NACA is a nonprofit mortgage lender offering character-based home loans with no down payment, no closing costs, and below-market fixed rates to historically underserved communities.
Best for: First-time homebuyers with limited savings or poor credit histories seeking down payment assistance, Low-to-moderate-income households and communities of color historically excluded from traditional lending
XFI Group offers financial education programs, training curriculum, and reseller opportunities for financial professionals and educators seeking to teach personal finance and financial literacy.
Best for: Financial professionals and educators seeking curriculum resources and training materials, Small business owners looking to develop in-house financial literacy training programs
Operation HOPE is a national non-profit providing free financial counseling, credit management, and financial literacy programs to underserved communities through one-on-one coaching and workshops.
Best for: Individuals seeking free credit counseling and financial guidance without commercial pressure, Homebuyers wanting education on homeownership and mortgage readiness at no cost
Operation HOPE is a national nonprofit providing free financial counseling, credit management, and financial literacy programs to help individuals and families build economic security.
Best for: Individuals struggling with credit scores and wanting structured credit improvement education, Homebuyers seeking guidance on credit, budgeting, and mortgage readiness without debt
Tennessee-based merchant cash advance (MCA) lender serving brokers nationwide with fast underwriting and funding for small businesses in 49 states plus Puerto Rico.
Best for: Small business owners in restaurants, hospitality, or construction trades needing fast funding, Established businesses in Puerto Rico seeking reliable funding from a specialized lender
Navy Federal Credit Union operates a network of over 360 branches and ATMs worldwide, offering fee-free cash access to members through their own ATM network and CO-OP partner locations.
Best for: Active military members and veterans seeking fee-free ATM access worldwide, Navy Federal credit union members needing convenient cash withdrawals during travel
Unable to verify. Website is currently blocked by Wordfence security plugin with HTTP 503 error, preventing access to company information.
Best for: Consumers in Memphis, Tennessee looking for personal lending services, People who prefer working with a local personal lending provider
Smith Financials LLC offers credit coaching and education programs designed to help consumers understand credit scoring, build positive credit habits, and achieve financial goals like homeownership and business growth.
Best for: Consumers overwhelmed by credit-building and seeking structured education and guidance, Individuals with specific long-term goals (homeownership, business ownership) requiring credit knowledge
Tennessee Consumer Protections: Tennessee allows payday lending with a $500 cap and 15% fee limit. Borrowers are limited to two simultaneous loans. The Department of Financial Institutions regulates all consumer lenders, and complaints can be filed with the Department or the Attorney General.
Interest Rate Cap: Tennessee usury cap: 24% for consumer finance loans; payday loans regulated under Deferred Presentment Act.
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 Tennessee Attorney General Consumer Protection Division.
Our editors reviewed hundreds of companies to find the best options nationwide.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to products and services featured on this page. Our editorial team independently reviews all services. Learn more.