Miami, FL

Credit Repair & Financial Services in Miami

Compare 107 credit repair companies, personal lenders, and financial services in Miami, Florida. All independently reviewed with BBB ratings and pricing.

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

Top Rated in Miami

107 companies
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.

4.9/5
Free BBB: A+

Best for: 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

A Plus Credit Services LLC logo

A Plus Credit Services LLC

A Plus Credit Services is a Miami-based credit repair firm claiming 10,000+ clients and 1,400+ Google reviews. Not BBB accredited. Consumers should verify credentials and compare against established national credit repair providers.

4.5/5
Free BBB: NR

Best for: South Florida residents seeking local credit repair with bilingual services, Consumers with inaccurate items on credit reports who want professional dispute assistance

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.

4.5/5
Contact BBB: NR

Best for: American Airlines employees and retirees seeking employer-affiliated financial services, Airline industry employees looking for auto financing with industry-specific competitive rates

Colston Advisors logo

Colston Advisors

Colston Advisors is a credit repair provider based in Miami, Florida. Rated 4.9/5 with 229 Google reviews, reflecting exceptional customer satisfaction.

4.5/5
Free BBB: NR

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

Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL logo

Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL

Veteran-owned Miami credit repair firm with tiered plans from $49.99/mo, same-day dispute filing, dedicated credit coaches, and a 90-day money-back guarantee.

4.5/5
$49.99/mo BBB: A+ Money-Back

Best for: South Florida residents who want a local, hands-on credit repair team, Veterans and active-duty military seeking a veteran-owned firm with applicable discounts

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.

4.5/5
Contact BBB: NR

Best for: Miami/South Florida residents with jewelry, gold, or personal items to pawn or sell quickly, Customers seeking collateral-based loans without credit checks

Credit Repair in Miami

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A Plus Credit Services LLC logo

A Plus Credit Services LLC

A Plus Credit Services is a Miami-based credit repair firm claiming 10,000+ clients and 1,400+ Google reviews. Not BBB accredited. Consumers should verify credentials and compare against established national credit repair providers.

4.5/5
Free BBB: NR

Best for: South Florida residents seeking local credit repair with bilingual services, Consumers with inaccurate items on credit reports who want professional dispute assistance

Colston Advisors logo

Colston Advisors

Colston Advisors is a credit repair provider based in Miami, Florida. Rated 4.9/5 with 229 Google reviews, reflecting exceptional customer satisfaction.

4.5/5
Free BBB: NR

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

Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL logo

Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL

Veteran-owned Miami credit repair firm with tiered plans from $49.99/mo, same-day dispute filing, dedicated credit coaches, and a 90-day money-back guarantee.

4.5/5
$49.99/mo BBB: A+ Money-Back

Best for: South Florida residents who want a local, hands-on credit repair team, Veterans and active-duty military seeking a veteran-owned firm with applicable discounts

All About Credit Repair logo

All About Credit Repair

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

4.4/5
Free BBB: NR

Best for: 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 help clients improve credit scores and remove negative items from credit reports.

4.4/5
Free BBB: NR

Best for: 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

Captain Credit LLC logo

Captain Credit LLC

Captain Credit LLC disputes inaccurate negative items on credit reports using legal methods. They offer unlimited disputes and deletions for a flat monthly fee rather than per-item charges.

4.4/5
Free BBB: NR

Best for: Consumers with multiple negative items on credit reports (collections, late payments, charge-offs) seeking unlimited dispute capability, Those who want transparent flat-fee pricing rather than per-deletion charges

Pawn Shops in Miami

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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.

4.5/5
Contact BBB: NR

Best for: Miami/South Florida residents with jewelry, gold, or personal items to pawn or sell quickly, Customers seeking collateral-based loans without credit checks

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...

4.5/5
Contact BBB: NR

Best for: South Florida residents needing immediate cash and willing to pledge personal items as collateral, People selling unwanted jewelry, electronics, watches, or musical instruments for quick cash

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 quick cash and jewelry services.

4.5/5
Contact BBB: NR

Best for: Individuals needing same-day cash without credit checks or bank account requirements, People with valuable items (jewelry, electronics, firearms, musical instruments) seeking immediate liquidity

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...

4.5/5
Contact BBB: NR

Best for: Consumers needing immediate cash ($500-$5,000+) without credit inquiry or income verification, People with poor credit history who cannot qualify for traditional personal loans or credit cards

The Pawn Shop logo

The Pawn Shop

The Pawn Shop in Miami buys jewelry and items for cash on the spot. They offer fast estimates via text photo and same-day payouts.

4.5/5
Contact BBB: NR

Best for: Consumers needing immediate cash and holding jewelry with low sentimental value, People in emergency situations who lack access to traditional short-term credit

US Pawn & Jewelry logo

US Pawn & Jewelry

Florida-based pawn shop offering collateral-based loans, jewelry sales, and firearms transactions across 3 Broward and Miami locations with expert appraisals.

4.5/5
Contact BBB: NR

Best for: South Florida residents with valuable items (jewelry, watches, electronics, firearms) needing quick cash without credit checks, Collectors or estate executors seeking fair appraisals and bulk sales of vintage or modern firearms and luxury goods

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.

4.4/5
Contact BBB: NR

Best for: 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.

4.2/5
Contact BBB:

Best for: 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.

4.2/5
Contact BBB:

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

City National Bank of Florida logo

City National Bank of Florida

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

4.2/5
Contact BBB:

Best for: Florida-based business owners seeking personalized lending relationships and quick approval 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.

4.2/5
Contact BBB:

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

Emigrant Bank logo

Emigrant Bank

Emigrant Bank is the largest privately held bank in the U.S., founded in 1850, offering personal and business banking services including mortgages, investments, and commercial real estate financing.

4.2/5
Contact BBB:

Best for: High-net-worth borrowers seeking jumbo mortgages or non-conforming residential loans in New York area, Commercial real estate investors and developers needing portfolio-based lending with flexible underwriting

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 expertise.

4.4/5
Contact BBB: NR

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

CFN Mortgage Capital logo

CFN Mortgage Capital

Unable to verify: CFN Mortgage Capital's website returns a 403 Forbidden error, preventing access to company information, services, or operational details.

4.4/5
Contact BBB: NR

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

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.

4.4/5
Contact BBB: NR

Best for: Florida homebuyers seeking personalized mortgage guidance and fast approval 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.

4.4/5
Contact BBB: NR

Best for: First-time homebuyers seeking personalized guidance through the mortgage process with educational support, Self-employed professionals and clergy seeking specialized income documentation expertise

Hera Lending logo

Hera Lending

Private lender specializing in real estate investment loans including DSCR, fix-and-flip, bridge, and construction financing. Headquartered in Miami with $1.5B+ in funded loans nationwide.

4.4/5
Contact BBB: NR

Best for: Real estate investors with portfolios of 1-4 unit rental or fix-and-flip properties, Developers and builders needing construction financing for ground-up residential projects

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.

4.4/5
Contact BBB: NR

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

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.

4.5/5
Contact BBB: NR

Best for: American Airlines employees and retirees seeking employer-affiliated financial services, Airline industry employees looking for auto financing with industry-specific competitive rates

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 competitive rates.

4.4/5
Contact BBB: NR

Best for: South Florida residents seeking locally-focused community banking with member ownership benefits, Auto buyers looking for competitive rates 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.

4.3/5
Contact BBB: NR

Best for: 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 | 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.

4.3/5
Contact BBB: NR

Best for: 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

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
Contact BBB: NR

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

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.

4.1/5
Contact BBB: NR

Best for: 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

Business Loans in Miami

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Brickell Capital Finance logo

Brickell Capital Finance

Miami-based national finance lender offering business loans, commercial real estate financing, and hard money loans since 2005.

4.4/5
Contact BBB: NR

Best for: Small to mid-sized business owners seeking expansion capital or operating funds, Commercial real estate investors and developers seeking construction or development financing

Business Financial Consulting - Heavy Equipment Financing Loans logo

Business Financial Consulting - Heavy Equipment Financing Loans

Business Financial Consulting finances heavy equipment and construction machinery for businesses nationwide, offering loans up to $60M with rates from 6-9% for qualified applicants.

4.4/5
Contact BBB: NR

Best for: Construction contractors and businesses needing heavy equipment or machinery financing, Established businesses seeking to expand capacity without traditional bank requirements

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.

4.4/5
Contact BBB: NR

Best for: 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.

4.4/5
Contact BBB: NR

Best for: 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.

4.4/5
Contact BBB: NR

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

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.

4.4/5
Contact BBB: NR

Best for: 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

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.

4.4/5
Free BBB: NR

Best for: 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.

4.3/5
Free BBB: NR

Best for: Working families and individuals in Miami-Dade County struggling with the rising cost of living and financial instability, People seeking to improve credit scores and develop debt reduction strategies with expert guidance

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.

4.1/5
Contact BBB: NR

Best for: 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.

4.1/5
Contact BBB: NR

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

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.

4.0/5
Contact BBB: NR

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

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.

4.0/5
Contact BBB: NR

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

Emergency Cash in Miami

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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 same-day funding.

2.8/5
Contact BBB: NR

Best for: Consumers with poor or no credit history needing emergency cash quickly, Vehicle owners with significant equity seeking same-day or next-day funding

Credex Auto Title Loans logo

Credex Auto Title Loans

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

2.8/5
Contact BBB: NR

Best for: Borrowers with poor or limited credit history needing emergency cash, Vehicle owners with substantial equity seeking fast funding without credit evaluation

Depot Car Title Loans logo

Depot Car Title Loans

Car Title Loans Depot offers fast title loans 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.

2.8/5
Contact BBB: NR

Best for: 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

Fast Payday Loans, Inc. logo

Fast Payday Loans, Inc.

Fast Payday Loans, Inc. offers payday advances up to $1,000 with same-day funding at their Miami location. Requires valid ID, recent pay stub, and active checking account.

2.8/5
Contact BBB: NR

Best for: Miami-area residents facing immediate cash emergencies with no access to traditional credit, Employed individuals with recent pay stubs who need cash before next paycheck

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.

2.8/5
Contact BBB: NR

Best for: Florida residents with vehicle equity who need emergency cash within hours, Borrowers with poor or no credit history who cannot qualify for traditional personal loans

Bankruptcy Services in Miami

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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.

4.5/5
Free BBB: NR

Best for: 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

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.

4.5/5
Free BBB: NR

Best for: 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

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.

4.4/5
Contact BBB: NR

Best for: 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.

4.4/5
Contact BBB: NR

Best for: 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.

4.3/5
Contact BBB: NR

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

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 help improve credit scores.

4.3/5
Contact BBB: NR

Best for: 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

Unable to verify: 91 Credit Repair's website is inaccessible, preventing factual assessment of services, pricing, or legitimacy claims.

4.2/5
Contact BBB: NR

Best for: 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.

3.8/5
Contact BBB: NR

Best for: Miami-area residents seeking in-person credit repair services with flexible payment plans, Budget-conscious consumers unable to afford large upfront payments who prefer biweekly installments

I Need a Loan 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...

4.5/5
Free BBB: NR

Best for: 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 specialist 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.

4.4/5
Free BBB: NR

Best for: 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

Unable to verify. Onyx Funding's website returns a 403 Forbidden error, preventing access to company information, services, or details.

4.4/5
Free BBB: NR

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

Get Out of Debt 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%.

4.4/5
Free BBB: NR

Best for: 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.

4.4/5
Free BBB: NR

Best for: 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

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.

4.9/5
Free BBB: A+

Best for: 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 protections 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.

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