Review 6 credit repair companies, personal lenders, and financial services in Modesto, California. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.
California-based debt relief company offering debt consolidation and settlement services to help reduce debt by up to 60% through direct creditor negotiation.
Profile signals: California residents with $6,000+ in credit card debt across multiple cards seeking to simplify payments, Households with combined debt of $100,000+ including credit cards, auto loans, and student loans
Habitat for Humanity Stanislaus County is a Christian nonprofit building and repairing affordable homes for low-income families in Modesto, CA since 1989.
Profile signals: Low-income families seeking affordable homeownership in Modesto/Stanislaus County area, Homeowners needing critical repairs but lacking financial resources or access to home improvement loans
Mocse is a member-owned credit union serving local communities with checking, savings, certificates, and CDFI-certified lending to underserved populations.
Profile signals: Low-income individuals and families underserved by traditional banks, given CDFI certification, Community-minded consumers who value local reinvestment and philanthropic banking
Modesto's First FCU is a member-owned credit union serving Northern California with hometown banking services, offering savings accounts, loans, and digital banking tools.
Profile signals: Northern California residents and employees seeking local, relationship-based banking with community connection, City of Modesto employees interested in payroll deduction and direct deposit integration
Review this provider profile and compare source-linked details before choosing what to do next.
Profile signals: Lower fees and better loan rates than banks, Member-owned cooperative banking
Valley First Credit Union is a member-owned, not-for-profit financial institution offering checking, savings, loans, and credit cards with rate claims to verify and access to 30,000+ ATMs with listed network fee context.
Profile signals: Credit union members in California seeking rate claims to verify on auto loans, mortgages, and personal loans, Small business owners needing personalized lending and business banking services with community support
Mocse is a member-owned credit union serving local communities with checking, savings, certificates, and CDFI-certified lending to underserved populations.
Profile signals: Low-income individuals and families underserved by traditional banks, given CDFI certification, Community-minded consumers who value local reinvestment and philanthropic banking
Modesto's First FCU is a member-owned credit union serving Northern California with hometown banking services, offering savings accounts, loans, and digital banking tools.
Profile signals: Northern California residents and employees seeking local, relationship-based banking with community connection, City of Modesto employees interested in payroll deduction and direct deposit integration
Review this provider profile and compare source-linked details before choosing what to do next.
Profile signals: Lower fees and better loan rates than banks, Member-owned cooperative banking
Valley First Credit Union is a member-owned, not-for-profit financial institution offering checking, savings, loans, and credit cards with rate claims to verify and access to 30,000+ ATMs with listed network fee context.
Profile signals: Credit union members in California seeking rate claims to verify on auto loans, mortgages, and personal loans, Small business owners needing personalized lending and business banking services with community support
California-based debt relief company offering debt consolidation and settlement services to help reduce debt by up to 60% through direct creditor negotiation.
Profile signals: California residents with $6,000+ in credit card debt across multiple cards seeking to simplify payments, Households with combined debt of $100,000+ including credit cards, auto loans, and student loans
Habitat for Humanity Stanislaus County is a Christian nonprofit building and repairing affordable homes for low-income families in Modesto, CA since 1989.
Profile signals: Low-income families seeking affordable homeownership in Modesto/Stanislaus County area, Homeowners needing critical repairs but lacking financial resources or access to home improvement loans
California Consumer Protections: California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.
Interest Rate Cap: California usury cap: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100.
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 California Attorney General Consumer Protection.
Use these guides with local pages, state rules, and provider profiles before contacting a company.
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