Miami, FL

Credit Repair & Financial Services in Miami

Review 276 credit repair companies, personal lenders, and financial services in Miami, 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 Miami

276 companies
All About Credit Repair logo

All About Credit Repair

All About Credit Repair is a credit restoration agency helping individuals dispute inaccuracies and dispute reported items from credit reports to rebuild financial reputation.

5.0/5

Google rating from 33 reviews

BBB: NR

Profile signals: Individuals with errors or inaccuracies on credit reports seeking professional dispute assistance, People rebuilding credit after financial hardship or major negative events

American Airlines Federal Credit Union logo

American Airlines Federal Credit Union

American Airlines Federal Credit Union is a credit union offering checking, savings, auto loans, mortgages, and credit cards primarily to American Airlines employees and their families.

5.0/5

Google rating from 67 reviews

BBB: NR

Profile signals: American Airlines employees and retirees seeking employer-affiliated financial services, Airline industry employees looking for auto financing with industry-specific rate claims to verify

BH CREDIT SOLUTION logo

BH CREDIT SOLUTION

BH Credit Solution is a credit repair company offering dispute assistance, credit analysis, and monitoring services to give clients credit-score context to review and dispute reported items from credit reports.

5.0/5

Google rating from 87 reviews

BBB: NR

Profile signals: Consumers with disputed or inaccurate negative items on their credit reports seeking professional dispute assistance, Individuals overwhelmed by credit issues who prefer guided education and ongoing communication throughout the process

Capital Aid Funding logo

Capital Aid Funding

Miami-based mortgage broker offering home purchase, refinance, and commercial loans with NMLS licensing and bilingual experience context.

5.0/5

Google rating from 10 reviews

BBB: NR

Profile signals: South Florida homebuyers and refinancers seeking bilingual mortgage guidance, First-time buyers wanting simplified, fast pre-qualification without extensive paperwork

Capital Prime Lending logo

Capital Prime Lending

Capital Prime Lending is a nationwide private money lender specializing in hard money loans for real estate investors, offering fix-and-flip, construction, bridge, DSCR, and multifamily financing with fast underwriting.

5.0/5

Google rating from 14 reviews

BBB: NR

Profile signals: Real estate investors seeking hard money loans for fix-and-flip projects, Property developers needing construction or ground-up development financing

Credex Auto Title Loans logo

Credex Auto Title Loans

Credex Auto Title Loans provides short-term cash access loans secured by vehicle equity in South Florida, with approval based on car value rather than credit score.

5.0/5

Google rating from 219 reviews

BBB: NR

Profile signals: Borrowers with poor or limited credit history researching emergency-cash options, Vehicle owners with substantial equity seeking fast funding without credit evaluation

Pawn Shops in Miami

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King Cash Pawn & Jewelry logo

King Cash Pawn & Jewelry

King Cash Pawn & Jewelry Miami, FL — King Cash Pawn & Jewelry operates 8 locations across South Florida, offering pawn loans, item sales, and buy-now-pa...

5.0/5

Google rating from 1,308 reviews

BBB: NR

Profile signals: South Florida residents researching short-term cash access and willing to pledge personal items as collateral, People selling unwanted jewelry, electronics, watches, or musical instruments for short-term cash access

Queen of Pawns logo

Queen of Pawns

Queen of Pawns Miami, FL — Florida-based pawnshop chain operating 15 locations since 1995, offering instant cash pawn loans, sell-for-cash, and discount...

5.0/5

Google rating from 1,286 reviews

BBB: NR

Profile signals: Consumers researching short-term cash access ($500-$5,000+) without credit inquiry or income verification, People with poor credit history who may not meet traditional personal-loan or credit-card criteria

West Miami Jewelry & Pawn logo

West Miami Jewelry & Pawn

West Miami Jewelry & Pawn specializes in collateral-based loans from $1,500–$50,000 secured by jewelry, gold, watches, and coins. They also buy, sell, and repair jewelry with rate claims to verify.

5.0/5

Google rating from 915 reviews

BBB: NR

Profile signals: Individuals with valuable jewelry, watches, or precious metals needing $1,500+ loans quickly, Luxury watch or jewelry owners (Rolex, Cartier brands) seeking fair valuations locally

Cash Paradise # 1 logo

Cash Paradise # 1

Miami-based jewelry repair and pawn shop specializing in watch repairs and jewelry services with competitive pricing and Latino-owned operations.

4.9/5

Google rating from 223 reviews

BBB: NR

Profile signals: Miami-area residents seeking jewelry repair and watch service with quick turnaround times, Individuals looking to pawn jewelry or watches for emergency cash loans

Daddy's Cash logo

Daddy's Cash

305 PawnShops is a family-operated pawn shop group serving the Miami/South Florida area since 1985, offering collateral-based loans, jewelry sales, and gold buying services.

4.9/5

Google rating from 568 reviews

BBB: NR

Profile signals: Miami/South Florida residents with jewelry, gold, or personal items to pawn or sell quickly, Customers seeking collateral-based loans with eligibility claims to verify

LA Familia Pawn and Jewelry logo

LA Familia Pawn and Jewelry

Miami, FL - LA Familia Pawn and Jewelry at 1823 NW 79th St is your local pawn shop for short-term cash access and jewelry services.

4.9/5

Google rating from 4,528 reviews

BBB: NR

Profile signals: Individuals needing same-day cash with eligibility and bank-account claims to verify, People with valuable items (jewelry, electronics, firearms, musical instruments) seeking immediate liquidity

Check Cashing & Money Services in Miami

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Barri Agent logo

Barri Agent

Barri offers check cashing, money transfers, bill payments, and a prepaid Visa debit card with 30+ years of remittance experience serving Latin American communities.

BBB: NR

Profile signals: Unbanked and underbanked Latino immigrants needing check cashing and bill payment, Families sending regular remittances to Mexico, Central America, or South America

Check Cashing Store logo

Check Cashing Store

The Check Cashing Store offers check cashing, payday loans ($100-$1,000), money orders, and MoneyGram services across Florida with over 30 years of operating history.

BBB: NR

Profile signals: Consumers needing immediate check cashing with same-day access in the Miami area, Short-term borrowers seeking payday loans with flexible repayment periods (7-90 days) rather than standard 2-week terms

Check Cashing USA logo

Check Cashing USA

Check Cashing USA Miami, Florida — South Florida check cashing chain (est. 1986) with 37 locations offering same-day check cashing, payday loans, Wester...

BBB: NR

Profile signals: Unbanked South Florida residents who need to cash checks immediately without a bank account, Consumers needing a small short-term loan (up to $500) with same-day cash and poor or no credit

Check Cashing USA logo

Check Cashing USA

Check Cashing USA Miami, Florida — Check Cashing USA offers check cashing, payday loans, installment loans, and money transfer services across 36 South ...

BBB: NR

Profile signals: Unbanked or underbanked South Florida residents who need immediate check cashing without account requirements, Workers with irregular income who need same-day access to paycheck funds

Check Cashing USA logo

Check Cashing USA

Check Cashing USA Miami, Florida — Check Cashing USA offers check cashing, payday loans, installment loans, and money transfer services across 36 South ...

BBB: NR

Profile signals: Individuals with immediate check-cashing needs who want to avoid bank delays or fees, South Florida residents needing multiple financial services consolidated in one location

Currency Global Exchange - Money Exchange - Miami / Bayside Marketplace logo

Currency Global Exchange - Money Exchange - Miami / Bayside Marketplace

Currency exchange service in Miami's Bayside Marketplace offering USD conversions to major currencies with same-day cash withdrawal for tourists and residents.

BBB: NR

Profile signals: Cruise ship passengers arriving at Miami port needing same-day USD-to-foreign currency exchange, International tourists staying in Downtown Miami or near Bayside Marketplace requiring short-term cash access exchanges

Credit Repair in Miami

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All About Credit Repair logo

All About Credit Repair

All About Credit Repair is a credit restoration agency helping individuals dispute inaccuracies and dispute reported items from credit reports to rebuild financial reputation.

5.0/5

Google rating from 33 reviews

BBB: NR

Profile signals: Individuals with errors or inaccuracies on credit reports seeking professional dispute assistance, People rebuilding credit after financial hardship or major negative events

BH CREDIT SOLUTION logo

BH CREDIT SOLUTION

BH Credit Solution is a credit repair company offering dispute assistance, credit analysis, and monitoring services to give clients credit-score context to review and dispute reported items from credit reports.

5.0/5

Google rating from 87 reviews

BBB: NR

Profile signals: Consumers with disputed or inaccurate negative items on their credit reports seeking professional dispute assistance, Individuals overwhelmed by credit issues who prefer guided education and ongoing communication throughout the process

Credit Professional Services - Fix My Credit logo

Credit Professional Services - Fix My Credit

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

5.0/5

Google rating from 15 reviews

BBB: NR

Profile signals: Consumers in Miami, Florida looking for credit repair services, People who prefer working with a local credit repair provider

Credit Repair Services logo

Credit Repair Services

Credit Repair Ease disputes inaccurate items on credit reports and provides credit monitoring, debt validation, and financial goal planning to help consumers rebuild their credit scores.

5.0/5

Google rating from 10 reviews

BBB: NR

Profile signals: Consumers with inaccurate or unverifiable negative items on their credit reports who want professional dispute assistance, Individuals planning major financial moves (home purchase, auto loan) and needing credit-score context to review guidance

Expert Credit Pro logo

Expert Credit Pro

Miami-based credit management firm offering personal and business credit repair services by appointment. Operates Monday-Friday with online booking via Square.

5.0/5

Google rating from 10 reviews

BBB: NR

Profile signals: Miami-area residents seeking in-person credit repair consultation, Small business owners needing help building or repairing business credit profiles

FREEDOM FINANCE SOLUTIONS LLC logo

FREEDOM FINANCE SOLUTIONS LLC

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

5.0/5

Google rating from 53 reviews

BBB: NR

Profile signals: Consumers in Miami, Florida looking for credit repair services, People who prefer working with a local credit repair provider

Emergency Cash in Miami

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Credex Auto Title Loans logo

Credex Auto Title Loans

Credex Auto Title Loans provides short-term cash access loans secured by vehicle equity in South Florida, with approval based on car value rather than credit score.

5.0/5

Google rating from 219 reviews

BBB: NR

Profile signals: Borrowers with poor or limited credit history researching emergency-cash options, Vehicle owners with substantial equity seeking fast funding without credit evaluation

Fast Payday Loans, Inc. logo

Fast Payday Loans, Inc.

payday-loan profile details, Inc. offers payday advances up to $1,000 with provider-stated funding timing at their Miami location. Requires valid ID, recent pay stub, and active checking account.

5.0/5

Google rating from 1,293 reviews

BBB: NR

Profile signals: Miami-area residents facing short-term cash access emergencies with no access to traditional credit, Employed individuals with recent pay stubs who need cash before next paycheck

Credex Auto Title Loans Kendall logo

Credex Auto Title Loans Kendall

Credex offers car title loans in South Florida, lending up to $5,000 based on vehicle equity rather than credit score, with approval and provider-stated funding timing.

4.8/5

Google rating from 26 reviews

BBB: NR

Profile signals: Consumers with poor or no credit history researching emergency-cash options quickly, Vehicle owners with significant equity seeking listed funding timing

Depot Car Title Loans logo

Depot Car Title Loans

Car Title Loans Depot offers title-loan profile details secured by vehicle collateral, with APRs of 30%-35.99% and loan terms up to 60 months. Borrowers can keep and drive their vehicle while repaying.

4.8/5

Google rating from 31 reviews

BBB: NR

Profile signals: Borrowers with immediate emergency cash needs who have exhausted other financing options and possess a paid-off or titled vehicle, Self-employed or gig workers without traditional employment verification who can document ability to repay and have vehicle collateral

Presta Fácil - Auto Title Loans - Préstamos por el Título del Carro logo

Presta Fácil - Auto Title Loans - Préstamos por el Título del Carro

Miami-based auto title lender offering same-day cash loans based on vehicle appraisal value. Borrowers retain vehicle access while lender holds title as collateral.

4.7/5

Google rating from 172 reviews

BBB: NR

Profile signals: Florida residents with vehicle equity who are researching emergency-cash timing, Borrowers with poor or no credit history who may not meet traditional personal-loan criteria

ACE Cash Express logo

ACE Cash Express

712 SW 17th Ave in Miami, FL is home to ACE Cash Express, offering payday loans and check cashing services.

BBB: A+

Profile signals: Unbanked or underbanked consumers who are researching short-term cash access without a traditional bank account, Borrowers with poor credit who cannot qualify for conventional personal loans

Business Loans in Miami

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Capital Prime Lending logo

Capital Prime Lending

Capital Prime Lending is a nationwide private money lender specializing in hard money loans for real estate investors, offering fix-and-flip, construction, bridge, DSCR, and multifamily financing with fast underwriting.

5.0/5

Google rating from 14 reviews

BBB: NR

Profile signals: Real estate investors seeking hard money loans for fix-and-flip projects, Property developers needing construction or ground-up development financing

Florida Business Development Corporation logo

Florida Business Development Corporation

FBDC is a certified development company specializing in SBA 504 loans for small business real estate and equipment financing across Florida and the Southeast.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: Small business owners purchasing commercial real estate or equipment with limited liquid capital, Veteran and military spouse entrepreneurs seeking affordable, long-term business financing

Funded Capital, LLC logo

Funded Capital, LLC

Funded Capital provides private lending for real estate investors, specializing in fix-and-flip loans, DSCR rentals, and new construction financing across 44 states.

5.0/5

Google rating from 15 reviews

BBB: NR

Profile signals: Real estate investors seeking fix-and-flip or short-term investment property financing, Portfolio real estate investors needing to consolidate multiple property loans

US Trust Business Loans and Alternative Capital Funding logo

US Trust Business Loans and Alternative Capital Funding

Miami-based business lender offering lines of credit up to $2M, SBA loans, equipment financing, and alternative capital for businesses with varied credit profiles, with funding available in as little as 3 hours.

5.0/5

Google rating from 85 reviews

BBB: NR

Profile signals: Trade and construction business owners needing equipment or working capital despite credit challenges, Healthcare professionals (doctors, dentists, veterinarians) seeking listed financing through their IFundDoctors division

Miami Bayside Foundation logo

Miami Bayside Foundation

Miami Bayside Foundation offers small business loans, workshops, and scholarships to support minority entrepreneurs and students in South Florida's economic development.

4.9/5

Google rating from 43 reviews

BBB: NR

Profile signals: Minority-owned small business owners unable to secure traditional bank financing, Early-stage entrepreneurs seeking both capital and business education

Tools for Change logo

Tools for Change

Miami-based CDFI nonprofit providing micro loans, technical assistance, and business education to low-to-moderate income minority, women, and veteran entrepreneurs since 1989.

4.9/5

Google rating from 24 reviews

BBB: NR

Profile signals: Low-to-moderate income minority entrepreneurs in Miami-Dade County seeking capital below traditional lending thresholds, Women and veteran business owners in South Florida requiring business education alongside financing

Banks in Miami

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EdFed logo

EdFed

Educational Federal Credit Union offers member-owned banking services including auto loans, mortgages, credit cards, and home equity products with promotional rates and cash-back incentives.

4.5/5

Google rating from 76 reviews

BBB: NR

Profile signals: Credit union members seeking auto loans with promotional rates and deferred payment options, Homebuyers interested in guided home purchasing through dedicated concierge support

Banco Do Brasil Americas logo

Banco Do Brasil Americas

BB Americas Bank is a U.S.-based subsidiary of Banco do Brasil offering bilingual/trilingual banking services to U.S. citizens, permanent residents, and non-residents with checking, savings, credit cards, and loan products.

BBB: NR

Profile signals: U.S.-based customers with family or business connections to Brazil needing fee-free international transfers, Portuguese or Spanish-speaking consumers preferring multilingual banking support and relationship-focused service

Banesco USA logo

Banesco USA

Banesco USA is a full-service bank offering personal and business banking with multilingual support, relationship managers, and digital banking solutions across the continental U.S. and Puerto Rico.

BBB: NR

Profile signals: Spanish or Portuguese-speaking consumers seeking personalized banking relationships, Customers in Puerto Rico or with Latin American community ties

Chase Bank logo

Chase Bank

Miami's Chase Bank at 1230 SW 2nd Ave provides convenient banking services with extended Saturday hours.

BBB: NR

Profile signals: Consumers seeking comprehensive banking services including checking, savings, lending, and investment products under one institution, Business owners needing integrated banking, payment processing, and commercial credit solutions

City National Bank of Florida logo

City National Bank of Florida

Florida-based community bank offering residential mortgages, wealth management, treasury management, and listed services for businesses and law firms with a global reach.

BBB: NR

Profile signals: Florida-based business owners seeking personalized lending relationships and application-timing claims timelines, High-net-worth individuals looking for comprehensive wealth management and trust services

Eastern National Bank logo

Eastern National Bank

Eastern National Bank is a community-focused bank serving South Florida and Latin America with business lending, home equity solutions, and online banking services.

BBB: NR

Profile signals: Small business owners and entrepreneurs in South Florida seeking relationship-based lending, Homeowners looking to leverage home equity for debt consolidation or renovation

Mortgages & Home Loans in Miami

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Capital Aid Funding logo

Capital Aid Funding

Miami-based mortgage broker offering home purchase, refinance, and commercial loans with NMLS licensing and bilingual experience context.

5.0/5

Google rating from 10 reviews

BBB: NR

Profile signals: South Florida homebuyers and refinancers seeking bilingual mortgage guidance, First-time buyers wanting simplified, fast pre-qualification without extensive paperwork

DC Lending logo

DC Lending

DC Lending is a Florida-based mortgage lender founded by David Cruz, offering residential and commercial mortgage solutions with AI-enhanced processing and fast closings.

5.0/5

Google rating from 21 reviews

BBB: NR

Profile signals: Florida homebuyers seeking personalized mortgage guidance and published application timing timelines, Residential and commercial property investors in Florida looking for experienced mortgage guidance

Fellowship Home Loans logo

Fellowship Home Loans

Fellowship Home Loans is a mortgage lender offering FHA, VA, USDA, and conventional loans with a Miami, FL branch serving homebuyers and refinance clients.

5.0/5

Google rating from 16 reviews

BBB: NR

Profile signals: First-time homebuyers seeking personalized guidance through the mortgage process with educational support, Self-employed professionals and clergy seeking listed income documentation experience context

Independence Home Loans logo

Independence Home Loans

Independence Home Loans LLC is a mortgage lender offering home purchase, refinance, and VA loan services with a focus on personalized client communication and educational support.

5.0/5

Google rating from 56 reviews

BBB: NR

Profile signals: Veterans and active military service members seeking VA loans or purchase assistance, First-time homebuyers requiring educational guidance and personalized support

Lending Bankers Mortgage logo

Lending Bankers Mortgage

Miami-based mortgage broker offering residential, commercial, and hard money loans to US residents and foreign nationals throughout Florida.

5.0/5

Google rating from 305 reviews

BBB: NR

Profile signals: Foreign nationals seeking to purchase residential or commercial property in Florida, Buyers pursuing new construction or pre-construction condo purchases who need listed financing

Miami Lending Advisors - Mortgage Broker logo

Miami Lending Advisors - Mortgage Broker

Miami-based boutique mortgage broker offering residential and commercial financing to domestic and international clients, with 30+ years combined experience and experience context in South Florida real estate.

5.0/5

Google rating from 134 reviews

BBB: NR

Profile signals: International buyers seeking real estate financing in South Florida without U.S. credit history, Real estate investors seeking listed programs for fix-and-flip, DSCR, or short-term rental properties

Credit Unions in Miami

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American Airlines Federal Credit Union logo

American Airlines Federal Credit Union

American Airlines Federal Credit Union is a credit union offering checking, savings, auto loans, mortgages, and credit cards primarily to American Airlines employees and their families.

5.0/5

Google rating from 67 reviews

BBB: NR

Profile signals: American Airlines employees and retirees seeking employer-affiliated financial services, Airline industry employees looking for auto financing with industry-specific rate claims to verify

Dade County Federal Credit Union logo

Dade County Federal Credit Union

Dade County Federal Credit Union is a member-owned credit union offering checking, savings, loans, and credit products to South Florida residents with rate claims to verify.

4.5/5

Google rating from 419 reviews

BBB: NR

Profile signals: South Florida residents seeking locally-focused community banking with member ownership benefits, Auto buyers looking for rate claims to verify and willing to use the Dade Auto Desk service to negotiate

People's Alliance Federal CU logo

People's Alliance Federal CU

People's Alliance Federal Credit Union (PAFCU) is a federally insured credit union offering deposit accounts, certificates, mortgages, and consumer loans with a routing number 226076135.

4.4/5

Google rating from 27 reviews

BBB: NR

Profile signals: Regional members seeking federally insured deposit accounts and local credit union services, Consumers with $250,000+ to deposit wanting tiered Money Market rates and relationship banking

Space Coast Credit Union | Lago Mar | Miami, FL logo

Space Coast Credit Union | Lago Mar | Miami, FL

Space Coast Credit Union's Lago Mar branch in Miami offers full-service banking including checking, savings, mortgages, auto loans, and credit cards with branch and ATM access.

4.3/5

Google rating from 12 reviews

BBB: NR

Profile signals: Miami-area residents seeking full-service banking with extended drive-thru hours, Credit union-eligible members wanting comprehensive mortgage and auto lending products

Space Coast Credit Union | Calle Ocho | Miami, FL logo

Space Coast Credit Union | Calle Ocho | Miami, FL

Space Coast Credit Union's Calle Ocho branch in Miami offers full-service banking including checking, savings, mortgages, auto loans, and credit cards with extended hours and drive-thru service.

4.2/5

Google rating from 26 reviews

BBB: NR

Profile signals: Miami-area residents seeking full-service credit union banking with extended drive-thru hours, First-time homebuyers interested in FHA, VA, or no down payment mortgage options

Miami Federal Credit Union logo

Miami Federal Credit Union

Federal credit union serving government employees in South Florida since 1954, offering checking, savings, loans, credit cards, and mortgages with NCUA regulation.

3.7/5

Google rating from 16 reviews

BBB: NR

Profile signals: Federal, state, or municipal government employees in South Florida seeking checking, savings, and loan products, Government employee families (spouses, dependents) qualifying for membership seeking full-service banking

Personal Loans in Miami

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OneMain Financial logo

OneMain Financial

OneMain Financial Miami, FL — OneMain Financial is a personal loan lender offering fixed-rate loans from $1,500–$30,000 with terms of 24–60 months. They...

4.7/5

Google rating from 356 reviews

BBB: NR

Profile signals: Borrowers with fair-to-good credit seeking debt consolidation with fixed payments and branch-based service, Consumers needing $1,500–$30,000 who prefer in-person loan staff context consultation and rapid funding

Community Choice Financial logo

Community Choice Financial

Community Choice Financial is a personal loan lender operating across Mississippi locations, offering financial services to help customers reach their goals with convenient access and customer support.

4.5/5

Google rating from 57 reviews

BBB: NR

Profile signals: Mississippi residents seeking in-person loan consultations and local banking relationships, Borrowers who prefer to visit physical locations before applying

Onyx Funding logo

Onyx Funding

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

4.5/5

Google rating from 17 reviews

BBB: NR

Profile signals: Consumers in Miami, Florida looking for personal lending services, People who prefer working with a local personal lending provider

D & F Lending Corporation logo

D & F Lending Corporation

D & F Lending Corporation is a Florida-based personal loan lender established in 2006, operating as an active profit corporation with consistent annual compliance filings.

BBB: NR

Profile signals: Borrowers seeking personal loans from an established, state-registered Florida lender with 20+ year history, Consumers in Miami or Florida who prefer local lending institutions with documented compliance records

Drive Now Auto Finance LLC logo

Drive Now Auto Finance LLC

Drive Now Auto Finance provides auto loans for car buyers with less-than-perfect credit, offering fast pre-approval and rate claims to verify with multilingual support.

BBB: NR

Profile signals: Non-prime credit borrowers (bad or fair credit) seeking auto financing when traditional banks deny applications, Spanish and Portuguese-speaking car buyers in Hispanic/Portuguese diaspora communities seeking culturally relevant lending support

Miami Mortgage Brokers logo

Miami Mortgage Brokers

OnMortgage LLC (DBA Miami Mortgage Brokers) is a licensed wholesale mortgage brokerage connecting FL borrowers with multiple lenders for home purchase and refinance loans.

BBB: NR

Profile signals: Self-employed borrowers who cannot document income through traditional W-2s or tax returns, Real estate investors seeking DSCR loans based on rental income rather than personal income

fix-my-credit in Miami

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RepairMyCreditScores.com logo

RepairMyCreditScores.com

RepairMyCreditScores.com disputes negative items and inaccuracies on credit reports with the three major bureaus to provide credit-score context to review.

5.0/5

Google rating from 16 reviews

BBB: NR

Profile signals: Consumers with collections accounts (especially medical debt) damaging their credit scores, Individuals with multiple negative marks (late payments, charge-offs, inquiries) seeking comprehensive disputes

91 CREDIT REPAIR logo

91 CREDIT REPAIR

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

4.1/5

Google rating from 12 reviews

BBB: NR

Profile signals: Consumers in Miami, Florida looking for credit repair services, People who prefer working with a local credit repair provider

A1 CREDIT NOW | CREDITO | REPARACION DE CREDITO logo

A1 CREDIT NOW | CREDITO | REPARACION DE CREDITO

Miami-based credit repair company offering dispute resolution, credit monitoring, and financial services including court motions, immigration forms, and notary services.

BBB: NR

Profile signals: Miami-area residents seeking in-person credit repair services with flexible payment plans, consumers comparing listed cost unable to afford large upfront payments who prefer biweekly installments

Credit Repair Express logo

Credit Repair Express

The Tax Team Inc. offers credit repair and management services in Miami, focusing on disputing credit report errors, building better financial habits, and long-term credit health.

BBB: NR

Profile signals: Miami-area entrepreneurs and small business owners who need integrated tax, accounting, and credit services, Clients with tax debt who also need credit repair and want to bundle services with one provider

LEGAL CREDIT SOLUTIONS logo

LEGAL CREDIT SOLUTIONS

Spanish-language credit repair company offering credit-score context to review, dispute services, and bundled plans with micro-loans and identity protection.

BBB: NR

Profile signals: Spanish-speaking consumers in Puerto Rico or other Spanish-dominant markets seeking credit repair bundled with identity protection, Individuals needing both credit improvement and immediate access to small-dollar credit ($600–$1,850)

Leverage Services logo

Leverage Services

Leverage Services is a Doral, FL-based credit repair agency offering dispute resolution, credit restoration, and credit building services to help consumers remove inaccuracies from their credit reports.

BBB: NR

Profile signals: Consumers with inaccurate information on their credit reports seeking professional dispute support, Individuals building credit from scratch who need strategic planning and monitoring

Debt Relief in Miami

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Freedom Debt Resolutions logo

Freedom Debt Resolutions

Freedom Debt Resolutions specializes in merchant cash advance (MCA) debt settlement for small to mid-sized businesses carrying $40K+ in debt, negotiating reductions up to 60%.

5.0/5

Google rating from 23 reviews

BBB: NR

Profile signals: Small business owners with $40K+ in merchant cash advance debt and declining cash flow, Businesses facing collection calls, frozen accounts, or potential lawsuits from MCA lenders

Master Credit Report logo

Master Credit Report

Family-owned debt settlement and credit counseling company founded in 2002, offering negotiation services, debt consolidation, and credit monitoring to help consumers resolve outstanding debt.

4.9/5

Google rating from 38 reviews

BBB: NR

Profile signals: Consumers with $5,000-$100,000+ in unsecured debt seeking negotiated settlement, Individuals who prefer personalized one-on-one counseling over self-directed debt management

BrightBay Legal Funding logo

BrightBay Legal Funding

BrightBay Legal Funding provides pre-settlement legal funding (non-recourse cash advances) to plaintiffs awaiting case resolution, with no repayment required if the case is lost.

BBB: NR

Profile signals: Personal injury plaintiffs with strong cases awaiting settlement who face urgent expense context, Litigation plaintiffs (civil suits) with attorney representation who need short-term cash bridge

Debt Consolidation US logo

Debt Consolidation US

Debt Consolidation US offers free debt consolidation and credit card consolidation services in Miami, Florida, connecting consumers with debt professionals to reduce payments and avoid bankruptcy.

BBB: NR

Profile signals: Miami and Florida residents with $10K-$100K+ in credit card debt seeking consolidation options, Consumers overwhelmed by multiple creditors who want free initial guidance before committing

Holland Law Group, P.A. logo

Holland Law Group, P.A.

Florida consumer law firm providing attorney-led bankruptcy, debt defense, and foreclosure defense across the state. Free initial consultation available.

BBB: A+

Profile signals: Florida residents facing Chapter 7 or Chapter 13 bankruptcy, Homeowners in foreclosure seeking legal defense or loan modification

Loanosity logo

Loanosity

Miami-based debt consolidation lender offering unsecured personal loans with fixed rates to combine multiple debts into single monthly payments through an online application process.

BBB: NR

Profile signals: Borrowers with multiple outstanding debts seeking to consolidate into single monthly payments, Credit-eligible individuals without collateral willing to take on unsecured personal loans

Free Help in Miami

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IRS Debt-Free, Inc. logo

IRS Debt-Free, Inc.

Miami-based tax preparation and IRS representation firm offering filing services, back tax resolution, and IRS debt relief solutions for individuals and small businesses.

4.8/5

Google rating from 26 reviews

BBB: NR

Profile signals: Miami-area individuals and small business owners with IRS tax debt, back taxes, or unresolved tax notices, Bilingual Spanish-speaking taxpayers seeking IRS representation and tax services

United Way Center for Financial Stability logo

United Way Center for Financial Stability

United Way Center for Financial Stability offers free financial coaching, credit counseling, tax preparation, and resource referrals across three Miami-Dade County locations to help working families achieve financial independence.

4.7/5

Google rating from 14 reviews

BBB: NR

Profile signals: Working families and individuals in Miami-Dade County struggling with the rising cost of living and financial instability, People seeking credit-score context to review and develop debt reduction strategies with guidance context

Cuban American National Council, Inc. - Miami logo

Cuban American National Council, Inc. - Miami

Cuban American National Council (CNC) is a Miami-based nonprofit organization providing free community programs, educational services, and support for Hispanic families across all age groups.

BBB: NR

Profile signals: Hispanic families with school-age children seeking free after-school enrichment programs, Community members looking for free educational and support services in Miami

Little Haiti Housing Association, Inc. logo

Little Haiti Housing Association, Inc.

Haitian American Community Development Corporation provides affordable housing, homeownership counseling, and financial education to underserved communities in South Florida since 1987.

BBB: NR

Profile signals: First-time homebuyers in South Florida seeking free or low-cost homeownership counseling, Haitian American community members and underserved populations seeking affordable rental housing

Neighborhood Housing Services of South Florida logo

Neighborhood Housing Services of South Florida

Non-profit housing counselor providing HUD-certified homebuyer education, first-time homeowner loans, and housing crisis assistance across South Florida.

BBB: NR

Profile signals: First-time homebuyers in South Florida seeking HUD-certified education and mortgage guidance, Renters facing eviction or foreclosure looking for crisis prevention counseling

Trinity Empowerment Consortium, Inc. logo

Trinity Empowerment Consortium, Inc.

Non-profit homeownership and financial empowerment organization offering free and membership-based counseling, tax assistance, and credit coaching for first-time homebuyers and existing homeowners in South Florida.

BBB: NR

Profile signals: First-time homebuyers in South Florida seeking personalized mortgage-readiness coaching and education, Spanish and Haitian Creole-speaking individuals needing accessible financial counseling

Bankruptcy Services in Miami

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Peraza Law, P.A logo

Peraza Law, P.A

Miami-based bankruptcy law firm offering Chapter 7 & 13 filing, foreclosure defense, and debt-related litigation with free initial consultations since 2018.

5.0/5

Google rating from 193 reviews

BBB: NR

Profile signals: South Florida consumers filing Chapter 7 or Chapter 13 bankruptcy who want free initial consultation, Individuals facing foreclosure, garnishment, or credit card lawsuits seeking debt defense representation

Patrick Cordero - Abogado de Bancarrota, Miami logo

Patrick Cordero - Abogado de Bancarrota, Miami

Miami-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, foreclosure defense, and family law with a 50+ person staff.

4.9/5

Google rating from 1,575 reviews

BBB: NR

Profile signals: Miami-Dade and Broward County residents facing Chapter 7 or Chapter 13 bankruptcy filing, Spanish-speaking consumers who prefer legal representation in their native language

Shmucher Law, PL logo

Shmucher Law, PL

Florida-based bankruptcy and debt defense law firm offering Chapter 7, Chapter 13, and litigation services against creditors and debt collectors.

4.9/5

Google rating from 240 reviews

BBB: NR

Profile signals: Florida residents with substantial unsecured debt (credit cards, medical bills) considering Chapter 7 or Chapter 13 bankruptcy, Individuals being actively sued by creditors or junk debt buyers seeking litigation defense

The Law Office of Julia Kefalinos P.A. logo

The Law Office of Julia Kefalinos P.A.

Miami-based bankruptcy and criminal defense law firm led by Julia Kefalinos, offering Chapter 7, 11, and 13 bankruptcy filing, debt relief, and criminal defense services.

4.9/5

Google rating from 48 reviews

BBB: NR

Profile signals: Miami-Dade and Broward County residents facing foreclosure or wage garnishment who seek immediate legal intervention, Multilingual Spanish, Greek, German, or French speakers needing bankruptcy representation in South Florida

Kingcade Garcia McMaken logo

Kingcade Garcia McMaken

Miami-based bankruptcy law firm specializing exclusively in Chapter 7 and Chapter 13 filings since 1996. Led by Attorney Timothy Kingcade, a CPA with prior experience at U.S. Bankruptcy Courts.

4.0/5

Google rating from 295 reviews

BBB: NR

Profile signals: Miami-area residents with Chapter 7 or Chapter 13 bankruptcy needs, Spanish-speaking clients requiring legal bankruptcy representation

Nowack & Olson, PLLC logo

Nowack & Olson, PLLC

Miami-based bankruptcy law firm with multiple Florida locations, offering Chapter 7 and Chapter 13 bankruptcy representation and free consultations.

BBB: NR

Profile signals: South Florida residents seeking free bankruptcy consultations without geographic barriers, Individuals filing Chapter 7 or Chapter 13 bankruptcy in Miami-Dade, Broward, or Palm Beach counties

ATMs & Cash Access in Miami

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CoinFlip Bitcoin ATM - Check Cashing USA (Miami) logo

CoinFlip Bitcoin ATM - Check Cashing USA (Miami)

Miami, FL's CoinFlip Bitcoin ATM - Check Cashing USA at 1717 NW 17th Ave offers crypto trading and check cashing with convenient hours.

BBB: NR

Profile signals: Unbanked or underbanked consumers seeking immediate cryptocurrency purchases without traditional financial accounts, Cash-preferring users who distrust online exchanges or want offline transaction security

CoinFlip Bitcoin ATM - Check Cashing USA (Miami) logo

CoinFlip Bitcoin ATM - Check Cashing USA (Miami)

At 3598 NW 27th Ave in Miami, FL, CoinFlip Bitcoin ATM - Check Cashing USA (Miami) provides quick cryptocurrency and cash services inside Check Cashing USA.

BBB: NR

Profile signals: Customers who prefer cash-based cryptocurrency purchases over online exchanges due to privacy or comfort concerns, Individuals already using Check Cashing USA services who want to add cryptocurrency purchases to their visit

CoinFlip Bitcoin ATM - Check Cashing USA (Miami) logo

CoinFlip Bitcoin ATM - Check Cashing USA (Miami)

Miami's CoinFlip Bitcoin ATM - Check Cashing USA at 8518 SW 40th St delivers fast Bitcoin transactions and check cashing in Southwest Miami.

BBB: NR

Profile signals: Unbanked or underbanked consumers seeking cash-to-crypto conversion without traditional bank accounts, Cryptocurrency enthusiasts in Miami making regular Bitcoin or altcoin purchases under $15,000

Payday Alternatives in Miami

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BMG Money logo

BMG Money

BMG Money offers employer-based personal loans ($500-$12,000) with payroll deduction repayment through its LoansAtWork program. Founded 2009 in Miami. BBB A+ accredited. APRs 19.99-35.99%. Partners with government agencies, hospitals, school districts.

4.6/5

Google rating from 4,841 reviews

BBB: A+

Profile signals: Government employees, hospital workers, and school district staff whose employers partner with BMG Money for payroll deduction loans, Federal employees and retirees seeking allotment-based loans with automatic repayment

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.

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