Miami Gardens, FL

Credit Repair & Financial Services in Miami Gardens

Review 14 credit repair companies, personal lenders, and financial services in Miami Gardens, 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 Gardens

14 companies
5 Star Car Title Loans logo

5 Star Car Title Loans

Miami Gardens, FL - 5 Star Car Title Loans car title loan storefront at 17501 NW 27th Ave

5.0/5

Google rating from 463 reviews

BBB: NR

Profile signals: Borrowers with bad credit who may not meet personal-loan or credit-card criteria, Vehicle owners facing genuine emergency expenses with ability to repay within advertised terms

InstaLoan logo

InstaLoan

Miami Gardens payday and title loans at InstaLoan, 19946 NW 2nd Ave, FL.

5.0/5

Google rating from 9,081 reviews

BBB: NR

Profile signals: Employed individuals with vehicles who need $500-$5,000+ within hours and can provide recent pay stubs, Consumers in greater Miami area with short-term cash needs who prefer in-person service

Credit Repair Consultants logo

Credit Repair Consultants

Masters Credit Consultants offers credit repair services in Miami, FL, targeting customers with poor credit scores who are reviewing reported-item disputes and creditworthiness context for loan approval.

4.5/5

Google rating from 26 reviews

BBB: NR

Profile signals: Miami-area residents with poor credit scores seeking to improve eligibility for auto loans or mortgages, Consumers who believe their credit reports contain errors or inaccurate negative items

Advantage Pawn 2 - sell handbag Miami Sell Gold Miami - Sell Rolex - Pawnshop Miami aventura Hialeah Miami Gardens- logo

Advantage Pawn 2 - sell handbag Miami Sell Gold Miami - Sell Rolex - Pawnshop Miami aventura Hialeah Miami Gardens-

Advantage Pawn 2 is a Miami Gardens pawnshop specializing in luxury items including handbags, gold, watches, and jewelry with buy/sell and loan services.

BBB: NR

Profile signals: Individuals seeking to sell or liquidate luxury handbags, watches, or fine jewelry in Miami-Dade County, Customers needing quick short-term collateral loans using high-end watches, jewelry, or designer goods

Amscot - the Money Superstore logo

Amscot - the Money Superstore

Florida-based lender offering payday loans (cash advances) up to $500 and installment loans up to $1,000 with eligibility claims to verify, available 24/7 at 365-day operating locations.

BBB: NR

Profile signals: Floridians with poor credit or no credit history researching emergency-cash options within 24 hours, Borrowers facing short-term cash shortfalls who can repay within their next pay period

Amscot - the Money Superstore logo

Amscot - the Money Superstore

Florida-based lender offering payday loans (Cash Advances) up to $500 and installment loans ($100–$1,000) with eligibility claims to verify, provider-stated funding timing, and 365-day availability.

BBB: NR

Profile signals: Consumers with poor or no credit history facing an short-term cash access shortfall before next paycheck, Individuals comparing cost of payday loan fee against overdraft fees or late payment penalties on bills

Emergency Cash in Miami Gardens

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5 Star Car Title Loans logo

5 Star Car Title Loans

Miami Gardens, FL - 5 Star Car Title Loans car title loan storefront at 17501 NW 27th Ave

5.0/5

Google rating from 463 reviews

BBB: NR

Profile signals: Borrowers with bad credit who may not meet personal-loan or credit-card criteria, Vehicle owners facing genuine emergency expenses with ability to repay within advertised terms

InstaLoan logo

InstaLoan

Miami Gardens payday and title loans at InstaLoan, 19946 NW 2nd Ave, FL.

5.0/5

Google rating from 9,081 reviews

BBB: NR

Profile signals: Employed individuals with vehicles who need $500-$5,000+ within hours and can provide recent pay stubs, Consumers in greater Miami area with short-term cash needs who prefer in-person service

Amscot - the Money Superstore logo

Amscot - the Money Superstore

Florida-based lender offering payday loans (cash advances) up to $500 and installment loans up to $1,000 with eligibility claims to verify, available 24/7 at 365-day operating locations.

BBB: NR

Profile signals: Floridians with poor credit or no credit history researching emergency-cash options within 24 hours, Borrowers facing short-term cash shortfalls who can repay within their next pay period

Amscot - the Money Superstore logo

Amscot - the Money Superstore

Florida-based lender offering payday loans (Cash Advances) up to $500 and installment loans ($100–$1,000) with eligibility claims to verify, provider-stated funding timing, and 365-day availability.

BBB: NR

Profile signals: Consumers with poor or no credit history facing an short-term cash access shortfall before next paycheck, Individuals comparing cost of payday loan fee against overdraft fees or late payment penalties on bills

Pawn Shops in Miami Gardens

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Advantage Pawn 2 - sell handbag Miami Sell Gold Miami - Sell Rolex - Pawnshop Miami aventura Hialeah Miami Gardens- logo

Advantage Pawn 2 - sell handbag Miami Sell Gold Miami - Sell Rolex - Pawnshop Miami aventura Hialeah Miami Gardens-

Advantage Pawn 2 is a Miami Gardens pawnshop specializing in luxury items including handbags, gold, watches, and jewelry with buy/sell and loan services.

BBB: NR

Profile signals: Individuals seeking to sell or liquidate luxury handbags, watches, or fine jewelry in Miami-Dade County, Customers needing quick short-term collateral loans using high-end watches, jewelry, or designer goods

King Cash Pawn & Jewelry logo

King Cash Pawn & Jewelry

King Cash Pawn & Jewelry Miami Gardens, Florida — King Cash Pawn & Jewelry operates 8 South Florida locations offering pawn loans, gold buying at 95% of...

BBB: NR

Profile signals: South Florida residents needing same-day cash and willing to put up valuables as collateral, Gold and jewelry owners seeking a competitive sale price without going to a dealer

R J Cash II logo

R J Cash II

R.J. Cash is a Miami Gardens pawn shop offering collateral-based loans, item purchases, and appraisals with extended weekday hours and competitive pricing.

BBB: NR

Profile signals: Local Miami Gardens residents researching short-term cash access against collateral, Customers looking to sell used items or jewelry at fair market value

R.J. Cash Pawn Shop logo

R.J. Cash Pawn Shop

RJ Cash Pawn Shop is a pawn broker in Miami Gardens, FL offering collateral-based loans, buy/sell/trade services, and cash advances on personal valuables including jewelry, firearms, and electronics.

BBB: NR

Profile signals: Individuals researching short-term cash access ($100-$1,000+) without credit approval, People with items of value (jewelry, electronics, firearms) seeking quick liquidation or short-term collateral loans

Check Cashing & Money Services in Miami Gardens

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Check Cashing USA logo

Check Cashing USA

Check Cashing USA Miami Gardens, Florida — Check Cashing USA offers check cashing, installment loans, and financial services at their Miami Gardens loca...

BBB: NR

Profile signals: Unbanked or underbanked consumers needing immediate check-to-cash conversion, Working adults who cannot visit banking services during standard 9-5 hours

Check Cashing USA logo

Check Cashing USA

Check Cashing USA Miami Gardens, Florida — Check Cashing USA offers check cashing, installment loans, and financial services at their Miami Gardens loca...

BBB: NR

Profile signals: Unbanked or underbanked Miami Gardens residents needing immediate check cashing, Working individuals requiring evening or weekend financial services

Credit Repair in Miami Gardens

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Credit Repair Consultants logo

Credit Repair Consultants

Masters Credit Consultants offers credit repair services in Miami, FL, targeting customers with poor credit scores who are reviewing reported-item disputes and creditworthiness context for loan approval.

4.5/5

Google rating from 26 reviews

BBB: NR

Profile signals: Miami-area residents with poor credit scores seeking to improve eligibility for auto loans or mortgages, Consumers who believe their credit reports contain errors or inaccurate negative items

M

My Credit Advice - Credit Repair and Consultation

My Credit Advice - Credit Repair and Consultation is a Miami Gardens credit-repair listing with matching third-party address and phone evidence, but its referenced website currently fails DNS from the CreditDoc server. CreditDoc is keeping this page noindexed while provider-owned source details are reviewed.

BBB: NR

Profile signals: Consumers comparing verified alternatives while this listing is reviewed

Debt Relief in Miami Gardens

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Debt Consolidation USA logo

Debt Consolidation USA

Debt Consolidation USA offers free debt consolidation and settlement services to help consumers reduce payments and avoid bankruptcy through debt management programs.

BBB: NR

Profile signals: Consumers with $10,000+ in credit card debt seeking initial free consultation and exploration of options, People overwhelmed by multiple creditor contacts looking for simplified payment consolidation

Free Help in Miami Gardens

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Nid-Hca Florida Felton logo

Nid-Hca Florida Felton

HUD-approved housing counseling agency providing free guidance on homeownership, financial stability, and affordable housing solutions nationwide.

BBB: NR

Profile signals: First-time homebuyers preparing for mortgage qualification and down payment assistance programs, Individuals seeking to improve financial stability and understand homeownership requirements

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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