New York, NY

Credit Repair & Financial Services in New York

Review 423 credit repair companies, personal lenders, and financial services in New York, New York. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

New York avg credit score: 710 Median income: $75,910 Poverty rate: 12.7% Payday loans: Banned New York overview →

Featured Provider Profiles in New York

423 companies
Advance Cash Funding NY | RBM Funding Solutions logo

Advance Cash Funding NY | RBM Funding Solutions

Business funding provider offering small business loans, merchant cash advances, lines of credit, and payment processing solutions with streamlined approval processes.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: Small business owners with inconsistent credit history but strong cash flow, Merchants accepting credit card payments who need quick capital access

ARC Credit Counseling, LLC logo

ARC Credit Counseling, LLC

ARC Credit Counseling, LLC is a non-profit credit counseling agency approved by the U.S. Department of Justice under 11 U.S.C. § 111 to provide free or low-cost financial guidance.

5.0/5

Google rating from 2 reviews

BBB: NR

Profile signals: Bankruptcy filers seeking mandatory pre-bankruptcy credit counseling required by federal law, Consumers building debt management plans who need government-approved, regulated financial guidance

Bad Credit Small Business Loans logo

Bad Credit Small Business Loans

New York State's SSBCI program offers over $500M in federal funding through multiple loan programs for small businesses, startups, and disadvantaged entrepreneurs recovering from COVID-19.

5.0/5

Google rating from 10 reviews

BBB: NR

Profile signals: New York-based startups and early-stage businesses seeking affordable term loans under $100,000, Socially and economically disadvantaged business owners facing traditional lending barriers

Bank of America ATM logo

Bank of America ATM

Bank of America's 95 Wall Street financial center offers 24/7 walk-up ATM access plus full-service banking during business hours in lower Manhattan.

5.0/5

Google rating from 3 reviews

BBB: NR

Profile signals: Downtown Manhattan financial professionals needing weekday banking services, Bank of America customers seeking 24/7 ATM access in lower Manhattan

BankCard logo

BankCard

BankCard provides payment processing solutions and POS systems for restaurants, retail, spas, and other businesses, with options for surcharge programs and fast funding.

5.0/5

Google rating from 29 reviews

BBB: NR

Profile signals: Restaurant owners seeking integrated POS systems with kitchen display and order management features, Retail and spa businesses wanting industry-specific payment solutions with reduced processing costs

Business Consortium Fund logo

Business Consortium Fund

Nonprofit CDFI lender offering business term loans from $25K and lines of credit from $100K to minority-owned and underserved small businesses since 1985.

5.0/5

Google rating from 7 reviews

BBB: NR

Profile signals: Minority-owned small businesses with $100K+ annual revenue seeking $25K–$100K+ in working capital, Businesses with active corporate or government contracts needing capital to fulfill purchase orders

Business Loans in New York

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Advance Cash Funding NY | RBM Funding Solutions logo

Advance Cash Funding NY | RBM Funding Solutions

Business funding provider offering small business loans, merchant cash advances, lines of credit, and payment processing solutions with streamlined approval processes.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: Small business owners with inconsistent credit history but strong cash flow, Merchants accepting credit card payments who need quick capital access

Bad Credit Small Business Loans logo

Bad Credit Small Business Loans

New York State's SSBCI program offers over $500M in federal funding through multiple loan programs for small businesses, startups, and disadvantaged entrepreneurs recovering from COVID-19.

5.0/5

Google rating from 10 reviews

BBB: NR

Profile signals: New York-based startups and early-stage businesses seeking affordable term loans under $100,000, Socially and economically disadvantaged business owners facing traditional lending barriers

BankCard logo

BankCard

BankCard provides payment processing solutions and POS systems for restaurants, retail, spas, and other businesses, with options for surcharge programs and fast funding.

5.0/5

Google rating from 29 reviews

BBB: NR

Profile signals: Restaurant owners seeking integrated POS systems with kitchen display and order management features, Retail and spa businesses wanting industry-specific payment solutions with reduced processing costs

Business Funding New York BFNYC logo

Business Funding New York BFNYC

Business Funding New York offers multiple small business financing solutions including merchant cash advances and lines of credit with same-day to 24-hour funding for businesses with any credit score.

5.0/5

Google rating from 16 reviews

BBB: NR

Profile signals: Small business owners with poor or fair credit who may not meet traditional bank-loan criteria, Businesses needing rapid funding (24-48 hours) for immediate capital needs

Capifinders logo

Capifinders

Capifinders provides business financing solutions including term loans, lines of credit, equipment financing, and SBA loans ranging from $20,000 to $5-6 million with funding as fast as 24-72 hours.

5.0/5

Google rating from 42 reviews

BBB: NR

Profile signals: Small to mid-sized business owners needing $20,000+ in capital for expansion or working capital, Businesses seeking flexible financing options through lines of credit or equipment purchases

Creditfy logo

Creditfy

Creditfy provides fast business financing solutions including term loans, lines of credit, and equipment financing with approval in hours and funding within 24-48 hours.

5.0/5

Google rating from 29 reviews

BBB: NR

Profile signals: Small business owners needing capital quickly for immediate operational or growth needs, Businesses with less-than-perfect credit or those rejected by traditional banks

Banks in New York

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NorthEast Community Bank logo

NorthEast Community Bank

NorthEast Community Bank is a regional bank with 11 branches across New York and Massachusetts offering personal and business checking, savings, CDs, and digital banking services.

5.0/5

Google rating from 3 reviews

BBB: NR

Profile signals: Customers in Manhattan, Bronx, or Massachusetts suburbs seeking in-person community banking, Small business owners needing local business banking with accessible branch locations

ICICI Bank New York Branch logo

ICICI Bank New York Branch

ICICI Bank's US branch offers NRI banking services including money transfers to India, home loans, and corporate banking from offices in New York, California, and Texas.

4.9/5

Google rating from 466 reviews

BBB: NR

Profile signals: Non-Resident Indians (NRIs) who need to send money to family and financial accounts in India, Indian expats seeking home loans for property purchases in India while living in the US

George Dimov CPA logo

George Dimov CPA

NYC-based CPA firm offering tax preparation, accounting, bookkeeping, and financial advisory services for individuals and businesses across New York.

4.7/5

Google rating from 505 reviews

BBB: NR

Profile signals: New York-based business owners and self-employed professionals needing comprehensive tax and accounting support, High-net-worth individuals seeking strategic tax planning and estate/trust services

Cathay Bank logo

Cathay Bank

Cathay Bank is a full-service bank offering personal checking, savings, home mortgages, credit cards, and digital banking services with multilingual support.

4.6/5

Google rating from 5 reviews

BBB: NR

Profile signals: Multilingual customers preferring banking services in Chinese, Spanish, or English, Small business owners seeking SBA loan programs and analyzed business checking accounts

Local 802 - American Federation of Musicians logo

Local 802 - American Federation of Musicians

Local 802 AFM is a professional musicians' union offering member benefits including health care, pension, and a credit union for musicians in the entertainment industry.

4.5/5

Google rating from 12 reviews

BBB: NR

Profile signals: Professional recording musicians seeking listed financial services and health benefits through union membership, Freelance orchestral and performing artists needing emergency financial assistance and income support

Abacus Federal Savings Bank 国宝银行 曼哈顿 | 商业 房屋 贷款 利率 | 储蓄 支票 账户 存款 利息 logo

Abacus Federal Savings Bank 国宝银行 曼哈顿 | 商业 房屋 贷款 利率 | 储蓄 支票 账户 存款 利息

Abacus Federal Savings Bank is a full-service community bank founded in 1984, serving Chinese immigrants and residents across New York, New Jersey, and Pennsylvania with deposit accounts, mortgages, and business banking services.

4.2/5

Google rating from 70 reviews

BBB: NR

Profile signals: Chinese immigrants and Chinese-speaking communities in NY, NJ, and PA seeking culturally responsive banking, Senior citizens looking for elder fraud protection and AARP BankSafe-certified banking

Pawn Shops in New York

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Buyers of NYC Gold Selling of Midtown NYC logo

Buyers of NYC Gold Selling of Midtown NYC

NYC-based buyer of luxury jewelry, watches, diamonds, precious metals, and coins. Offers free appraisals and operates multiple locations across New York City.

5.0/5

Google rating from 249 reviews

BBB: NR

Profile signals: Owners of luxury watches seeking short-term cash access liquidation without resale hassle, Estate executors or heirs with high-value jewelry needing rapid appraisal and sale

Cash to You Bargain Inc logo

Cash to You Bargain Inc

NYC-based pawn shop offering quick loans, collateral-based lending, and buying/selling of jewelry, watches, coins, and diamonds with emphasis on fair appraisals and transparency.

5.0/5

Google rating from 181 reviews

BBB: NR

Profile signals: Individuals with valuable jewelry, watches, or precious metals who are researching emergency-cash timing, People who want quick liquidity with eligibility claims to verify or impact to credit scores

New York One Pawn - Gold Buyer, Jewelry Buyer, Rolex Buyer, Diamond Buyer logo

New York One Pawn - Gold Buyer, Jewelry Buyer, Rolex Buyer, Diamond Buyer

New York One Pawn buys and sells gold, jewelry, Rolex watches, and diamonds in New York. They offer short-term cash access for valuables without traditional credit checks.

5.0/5

Google rating from 965 reviews

BBB: NR

Profile signals: Individuals with luxury watches or high-end jewelry researching short-term cash access, Customers with gold or diamond items seeking immediate liquidity without waiting for private sales

Pawn Shop Manhattan logo

Pawn Shop Manhattan

Manhattan-based precious metals and luxury goods buyer offering cash for gold, diamonds, watches, coins, and antiques. Located in the Diamond District on 47th Street.

5.0/5

Google rating from 25 reviews

BBB: NR

Profile signals: Individuals with loose diamonds, gemstones, or high-end watches needing quick liquidity, Estate sellers looking to liquidate inherited jewelry and antiques for cash

Pawn Shop NYC logo

Pawn Shop NYC

47 Street Pawn Shop is a NYC-based collateral lender specializing in luxury jewelry, watches, diamonds, and gold loans with flexible repayment terms and low interest rates.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: High-net-worth individuals needing immediate capital while retaining ownership of luxury watches, jewelry, or diamonds, Small business owners or real estate investors seeking bridge financing without credit scrutiny

Qollateral - Luxury Collateral Loan & Financing Firm logo

Qollateral - Luxury Collateral Loan & Financing Firm

Qollateral is a collateral-based lender specializing in high-value luxury asset loans, offering provider-stated funding timing up to $10M with eligibility claims to verify.

5.0/5

Google rating from 156 reviews

BBB: NR

Profile signals: High-net-worth individuals with luxury watches, jewelry, or art who need emergency capital without credit scrutiny, Collectors with valuable sports memorabilia or rare items seeking short-term bridge financing between purchases

Check Cashing & Money Services in New York

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PAYOMATIC logo

PAYOMATIC

PAYOMATIC is New York's largest check-cashing and financial services provider with nearly 140 stores across NYC and surrounding areas, offering check cashing, money transfers, bill pay, and prepaid cards.

3.8/5

Google rating from 46 reviews

BBB: NR

Profile signals: Small business owners needing quick same-day payouts for business checks, Unbanked and underbanked NYC residents without access to traditional bank accounts

10th Avenue Check Cashing Corporation logo

10th Avenue Check Cashing Corporation

10th Avenue Check Cashing Corp cashes checks, processes money orders, and offers bill payment services in Hell's Kitchen, Manhattan. Open 7 days with convenient midtown location.

BBB: NR

Profile signals: Hell's Kitchen residents needing local check-cashing without traveling to other neighborhoods, Customers who need multiple services (check cashing + bill payment + metro cards) at one stop

A & S Foreign Exchange Inc logo

A & S Foreign Exchange Inc

A & S Foreign Exchange Inc. is a New York-based currency exchange and traveler's check service operating for over 27 years, offering rate claims to verify on major world currencies.

BBB: NR

Profile signals: International travelers departing from or returning to the New York area needing currency exchange, Customers requiring physical in-person currency exchange with immediate transactions

BHS NY Corporation logo

BHS NY Corporation

BHS US Corp operates multi-location financial centers across the Northeast and beyond, offering check cashing, money orders, wire transfers, and bill payment services with bilingual support.

BBB: NR

Profile signals: Unbanked and underbanked residents in Northeast metropolitan areas without traditional bank accounts, Immigrant and multilingual populations seeking bilingual financial services

C R Check Cashing logo

C R Check Cashing

CFSC provides check cashing, money orders, bill pay, and financial services without requiring a bank account. Multiple New York locations offer same-day cash access and additional services like Western Union transfers.

BBB: NR

Profile signals: Unbanked and underbanked individuals who need check cashing without a bank account, Workers paid by check who are researching short-term cash access without waiting for bank clearing

CFSC Checks Cashed 111th logo

CFSC Checks Cashed 111th

CFSC Checks Cashed 111th is a community financial services location offering check cashing, money transfers, bill pay, and currency exchange in East Harlem, NYC.

BBB: NR

Profile signals: Unbanked or underbanked residents of East Harlem seeking convenient check-cashing without bank accounts, Spanish-speaking immigrants and communities needing bilingual financial services

Credit Repair in New York

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CreditZen Solutions logo

CreditZen Solutions

CreditZen offers credit repair and business financing services, claiming to have removed 4,000+ negative items and secured $30M in financing since 2018.

5.0/5

Google rating from 13 reviews

BBB: NR

Profile signals: Small business owners seeking both credit repair and downstream business financing in a single relationship, Entrepreneurs with credit report errors who want to improve scores before applying for SBA loans or equipment financing

Fresh Start Advancement logo

Fresh Start Advancement

Fresh Start Advancement offers credit repair and financial coaching services led by founder Anthony Rosa, focusing on dispute resolution, credit-score context to review, and long-term financial empowerment.

5.0/5

Google rating from 78 reviews

BBB: NR

Profile signals: Small business owners needing credit repair combined with business loan positioning, First-time homebuyers with damaged credit seeking mortgage coaching alongside credit repair

Gold Coast Credit Services logo

Gold Coast Credit Services

Gold Coast Credit Services is a credit repair provider based in New York, New York. Rated 5.0/5 with 606 Google reviews, reflecting high listed customer satisfaction.

5.0/5

Google rating from 606 reviews

BBB: NR

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

Joel Isaacson & Co. logo

Joel Isaacson & Co.

Fee-only fiduciary wealth management and financial planning firm with $8B+ AUM, serving 1000+ clients across asset management, tax planning, and comprehensive financial advisory since 1993.

5.0/5

Google rating from 3 reviews

BBB: NR

Profile signals: High-net-worth individuals and families with $1M+ in investable assets seeking comprehensive wealth management, Business owners and executives requiring integrated tax planning, benefit coordination, and estate planning

Limpia Deudas logo

Limpia Deudas

Limpia Deudas is a credit repair provider based in New York, New York. Rated 5.0/5 with 1,483 Google reviews, reflecting high listed customer satisfaction.

5.0/5

Google rating from 1,483 reviews

BBB: NR

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

New York Credit Repair Company logo

New York Credit Repair Company

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

5.0/5

Google rating from 13 reviews

BBB: NR

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

Credit Unions in New York

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Generations United Federal Credit Union logo

Generations United Federal Credit Union

Generations United Federal Credit Union is a faith-based credit union serving United Church of Christ members and clergy, offering checking, savings, loans, and credit cards with values-aligned lending practices.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: United Church of Christ members and clergy seeking banking aligned with faith values, Customers prioritizing ethical banking practices over maximum convenience and nationwide branch networks

Greater Metro FCU logo

Greater Metro FCU

Greater Metro Federal Credit Union offers checking, savings, mortgages, auto loans, and credit cards to members. They provide digital banking via It's Me 247 and ATM/shared branch access.

5.0/5

Google rating from 2 reviews

BBB: NR

Profile signals: Individuals seeking competitive auto and personal loan rates through a credit union, Members prioritizing fraud protection with multi-channel notifications

NY Bravest Federal Credit Union logo

NY Bravest Federal Credit Union

NY Bravest Federal Credit Union is a member-owned financial institution serving first responders and their families since 1935, offering savings, loans, mortgages, and wealth management services.

5.0/5

Google rating from 58 reviews

BBB: NR

Profile signals: FDNY firefighters and their families seeking member-focused financial products, First responders interested in wealth management and retirement planning services

Actors Federal Credit Union logo

Actors Federal Credit Union

Actors Federal Credit Union is a listed credit union founded in 1962 serving artists and performers with rate claims to verify on checking, savings, mortgages, and auto loans.

4.9/5

Google rating from 144 reviews

BBB: NR

Profile signals: Actors, performers, and entertainment industry professionals seeking financial services from a union-affiliated credit union, AEA members and related entertainment professionals needing mortgages or auto loans with rate claims to verify

The Finest Federal Credit Union logo

The Finest Federal Credit Union

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

4.9/5

Google rating from 29 reviews

BBB: NR

Profile signals: Consumers in New York, New York looking for payday alternative lending services, People who prefer working with a local payday alternative lending provider

Grand Central Credit Union logo

Grand Central Credit Union

Federal credit union established in 1936 serving Grand Central Terminal employees and families with basic banking products. Operates one New York branch with 1,600+ members.

4.5/5

Google rating from 19 reviews

BBB: NR

Profile signals: Grand Central Terminal employees seeking banking with employer-aligned institutions, Families of GCT workers wanting accessible personal banking and loan products

Free Help in New York

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ARC Credit Counseling, LLC logo

ARC Credit Counseling, LLC

ARC Credit Counseling, LLC is a non-profit credit counseling agency approved by the U.S. Department of Justice under 11 U.S.C. § 111 to provide free or low-cost financial guidance.

5.0/5

Google rating from 2 reviews

BBB: NR

Profile signals: Bankruptcy filers seeking mandatory pre-bankruptcy credit counseling required by federal law, Consumers building debt management plans who need government-approved, regulated financial guidance

Cities for Financial Empowerment Fund logo

Cities for Financial Empowerment Fund

National nonprofit that partners with city governments to embed financial empowerment programs into local infrastructure, serving 62 million residents across 150+ cities.

5.0/5

Google rating from 2 reviews

BBB: NR

Profile signals: Residents of partner cities seeking free financial counseling and empowerment services through municipal programs, Low and moderate-income households in cities with CFE Fund financial empowerment centers

Community Service Society logo

Community Service Society

NYC-based nonprofit providing free advocacy, counseling, and legal assistance for low-income residents on healthcare, housing, economic security, and student debt.

4.6/5

Google rating from 40 reviews

BBB: NR

Profile signals: Low-income New York residents struggling with student loan debt seeking free educational assistance, NYC residents needing help navigating health insurance enrollment, eligibility, or healthcare access issues

Neighborhood Trust Financial Partners logo

Neighborhood Trust Financial Partners

Nonprofit social enterprise providing financial coaching and products to help low-wage workers reduce debt, build savings, and achieve financial security.

4.3/5

Google rating from 10 reviews

BBB: NR

Profile signals: Low-wage workers employed at organizations partnering with Neighborhood Trust, Credit union members at institutions offering Pathways to Financial Empowerment coaching

Credit Advisors Council - Credit Repair NYC logo

Credit Advisors Council - Credit Repair NYC

Non-profit credit counseling organization offering debt management plans, bankruptcy counseling, and financial education since 1991. NFCC-affiliated with certified counselors.

3.7/5

Google rating from 12 reviews

BBB: NR

Profile signals: Consumers with multiple debts seeking consolidation into single manageable monthly payments through non-profit guidance, Individuals considering bankruptcy who need pre-filing counseling from certified financial counselors

GreenPath Financial Wellness, New York, NY logo

GreenPath Financial Wellness, New York, NY

GreenPath Financial Wellness is a 60-year-old NFCC-certified nonprofit offering free financial counseling, debt management programs, and housing counseling to help consumers reduce debt and build financial stability.

3.7/5

Google rating from 9 reviews

BBB: NR

Profile signals: Consumers with multiple high-interest credit card debts seeking nonprofit counseling context to verify and creditor negotiation, Homeowners facing foreclosure or renters needing HUD-certified housing counseling

Debt Relief in New York

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Century Services logo

Century Services

Century Consulting Services offers debt settlement, negotiation, and management programs for credit card debt, medical bills, student loans, and personal loans. Founded in 2013, they maintain an A+ BBB rating.

5.0/5

Google rating from 2 reviews

BBB: NR

Profile signals: Consumers with multiple debt types (credit cards, medical, student loans) seeking consolidated guidance, People overwhelmed by debt who want empathetic professional support through negotiation process

Debt Consolidation Loans logo

Debt Consolidation Loans

Money Fit offers nonprofit debt management plans that consolidate unsecured debts into a single monthly payment with negotiated interest reductions—no new loan required.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: New York residents with multiple credit cards and unsecured debts earning stable income but paying excessive interest, Consumers managing medical bills, collections, or payday loans alongside credit card debt who want nonprofit guidance

Delancey Street Debt Relief logo

Delancey Street Debt Relief

Business debt relief company specializing in Merchant Cash Advance (MCA) settlement and negotiation through attorneys and industry experts.

5.0/5

Google rating from 72 reviews

BBB: NR

Profile signals: Small business owners with active Merchant Cash Advance debt seeking payment reduction, Companies experiencing MCA repayment cash flow strain and unable to meet obligations

Diamond Debt Relief logo

Diamond Debt Relief

Diamond Debt Relief negotiates settlements with creditors to reduce debt balances. They claim to help clients reduce debt by up to 60% through affiliated debt resolution programs.

5.0/5

Google rating from 3 reviews

BBB: NR

Profile signals: Consumers with $10,000-$250,000+ in credit card or personal loan debt willing to pause payments during negotiation, Those seeking to reduce debt through settlement rather than consolidation loans

Eagle One Debt Solutions logo

Eagle One Debt Solutions

Eagle One Debt Solutions offers debt settlement and management services for unsecured debts with no upfront fees, positioning itself as a bankruptcy alternative.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: Consumers with multiple unsecured debts seeking faster resolution than bankruptcy, Small business owners managing business debt while maintaining operations

Vital Rankings Credit Improvement Services logo

Vital Rankings Credit Improvement Services

Vital Rankings Credit Improvement Services is a debt relief company located in New York offering credit improvement and debt management solutions during business hours.

5.0/5

Google rating from 20 reviews

BBB: NR

Profile signals: Consumers in the New York area who can visit during limited daytime hours, Those seeking local, in-person debt relief consultation rather than remote services

Bankruptcy Services in New York

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Law Office of Abel L. Pierre, Attorney at Law, P.C. logo

Law Office of Abel L. Pierre, Attorney at Law, P.C.

NYC-based debt collection defense attorney specializing in consumer rights protection, FDCPA violations, and defense against creditor lawsuits for over a decade.

5.0/5

Google rating from 25 reviews

BBB: NR

Profile signals: New York residents who have been sued by a debt collector or collection agency, Consumers receiving aggressive harassment from creditors or experiencing frozen bank accounts

Roemerman Law, P.C. logo

Roemerman Law, P.C.

New York bankruptcy law firm specializing in Chapter 7, Chapter 13, and Chapter 11 filings, plus foreclosure defense and loan modifications for homeowners and individuals.

5.0/5

Google rating from 17 reviews

BBB: NR

Profile signals: New York homeowners facing foreclosure seeking alternatives to losing their home before filing bankruptcy, Individuals with significant unsecured debt (credit cards, medical, utilities) considering Chapter 7 discharge in New York

Starr & Starr, PLLC logo

Starr & Starr, PLLC

New York and New Jersey bankruptcy law firm specializing in Chapter 7, 13, and 11 personal and business bankruptcies, plus civil litigation and judgment enforcement.

5.0/5

Google rating from 92 reviews

BBB: NR

Profile signals: Individuals facing foreclosure who want to save their primary residence through a structured repayment plan, High-net-worth individuals and entrepreneurs with complex debt structures who need Chapter 11 restructuring without time or debt limits

Credit Report Lawyers & Credit Card Debt Collection Defense & Identity Theft Recovery FCRA FDCPA EFTA FCBA - Tariq Law, PC. logo

Credit Report Lawyers & Credit Card Debt Collection Defense & Identity Theft Recovery FCRA FDCPA EFTA FCBA - Tariq Law, PC.

NYC-based consumer rights law firm specializing in FCRA/FDCPA violations, debt collection defense, and identity theft recovery with free case evaluations.

4.9/5

Google rating from 87 reviews

BBB: NR

Profile signals: Consumers facing active debt collection lawsuits or wage garnishment seeking legal defense representation, Identity theft victims requiring litigation against credit bureaus or fraudsters for FCRA violations

Fleischman Consumer Law Center logo

Fleischman Consumer Law Center

Bankruptcy attorney Jay Fleischman offers Chapter 7/13 filing services, student loan management, and debt collection defense from offices in Los Angeles and New York.

4.9/5

Google rating from 129 reviews

BBB: NR

Profile signals: Individuals with federal student loan debt seeking integrated bankruptcy and loan management strategy, Consumers experiencing debt collection harassment or lawsuits who need both defense and broader debt resolution

The Langel Firm logo

The Langel Firm

NYC debt defense attorney specializing in defending consumers against collection lawsuits, wage garnishments, and bank restraints under FDCPA regulations.

4.9/5

Google rating from 36 reviews

BBB: NR

Profile signals: NYC consumers who have been served with a debt-collection lawsuit and need courtroom defense, Consumers facing wage garnishments or bank restraints who need swift action to protect exempt income

Mortgages & Home Loans in New York

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Lending Buddy logo

Lending Buddy

Lending Buddy is a residential mortgage lender offering home purchase and refinance loans with a focus on listed guidance and educational resources for borrowers.

5.0/5

Google rating from 48 reviews

BBB: NR

Profile signals: Veterans and active military members seeking VA loan options with minimal down payment, First-time homebuyers seeking educational guidance and listed mortgage consultation

The Funding Store logo

The Funding Store

The Funding Store is a mortgage brokerage that pre-qualifies homebuyers and shops rates across 100+ lenders for purchase and refinance loans.

5.0/5

Google rating from 52 reviews

BBB: NR

Profile signals: Non-traditional borrowers seeking mortgages with limited or alternative documentation, Investors acquiring non-owner-occupied or multi-family properties outside standard lending profiles

ValueXpress, LLC logo

ValueXpress, LLC

Commercial mortgage lender specializing in CMBS conduit loans, bridge financing, and multifamily loans for properties from $1M-$100M with 30+ years of experience.

5.0/5

Google rating from 30 reviews

BBB: NR

Profile signals: Commercial real estate investors and property owners financing $1M+ acquisitions or refinances, Multifamily and hospitality operators seeking non-recourse or bridge financing

West Forest Capital - New York, NY | Hard Money Loans, Real Estate Investment Loans & Bridge Loans logo

West Forest Capital - New York, NY | Hard Money Loans, Real Estate Investment Loans & Bridge Loans

New York-based hard money lender offering bridge loans, rehab financing, and investment property mortgages with rates starting at 10% and funding available within 1-5 days.

5.0/5

Google rating from 11 reviews

BBB: NR

Profile signals: Real estate investors executing fix-and-flip projects with tight closing timelines, Experienced developers needing bridge financing between property sales and purchases

Manhattan Bridge Capital logo

Manhattan Bridge Capital

Manhattan Bridge Capital is a NASDAQ-listed New York hard money lender offering fix-and-flip, bridge, and construction loans to real estate investors.

4.9/5

Google rating from 19 reviews

BBB: NR

Profile signals: Professional real estate investors executing fix-and-flip projects in the NYC tri-state area, Small developers financing new construction projects needing rapid capital deployment

InstaLend logo

InstaLend

InstaLend is a private real estate lender offering hard money and bridge loans for fix-and-flip, rental, and new construction projects with published application timing and minimal paperwork.

4.8/5

Google rating from 243 reviews

BBB: NR

Profile signals: Real estate fix-and-flip investors needing rapid capital deployment for time-sensitive acquisitions, Rental property investors seeking long-term financing (up to 30 years) with flexible asset-based underwriting

Personal Loans in New York

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ClarityPay logo

ClarityPay

ClarityPay offers point-of-sale financing and pay-over-time plans for retail, medical, and travel purchases with listed terms and live customer support.

4.8/5

Google rating from 197 reviews

BBB: NR

Profile signals: Medical, dental, and elective health procedure patients seeking to spread costs across manageable payments, Retail and e-commerce shoppers wanting flexible payment options without upfront capital

Direct Legal Funding - Lawsuit Loans & Pre-Settlement Funding New York logo

Direct Legal Funding - Lawsuit Loans & Pre-Settlement Funding New York

Pre-settlement lawsuit funding company providing non-recourse cash advances to New York plaintiffs with pending personal injury cases, repaid only if the case has more supporting context or settles.

4.7/5

Google rating from 86 reviews

BBB: NR

Profile signals: Injured plaintiffs in active New York lawsuits facing urgent expense context while litigation is pending, Personal injury cases with strong liability and damages where settlement or judgment is reasonably probable

BHG Financial logo

BHG Financial

BHG Financial offers personal and business loans up to $250K with terms up to 10 years, positioning itself as a fast, streamlined lender for debt consolidation and major expenses.

BBB: NR

Profile signals: Professionals and business owners seeking $20K–$250K personal loans for debt consolidation or major expenses with flexible terms, Small business owners needing $25K–$500K in working capital, acquisition funding, or debt consolidation within 5–12 years

Metropolitan Bank and Trust Company logo

Metropolitan Bank and Trust Company

Metropolitan Bank and Trust offers international remittance services, wire transfers, letters of credit, and basic deposit products with a focus on overseas money transfer and trade financing.

BBB: NR

Profile signals: Filipino immigrants and diaspora sending money to family in the Philippines, International business owners and importers/exporters requiring trade finance services

The Bank of East Asia Ltd. logo

The Bank of East Asia Ltd.

The Bank of East Asia Ltd. is a Hong Kong-based FDIC-equivalent bank offering comprehensive personal, wealth management, business, and investment banking services across Asia and internationally.

BBB: NR

Profile signals: Hong Kong residents and expats seeking integrated banking, investment, and wealth management from a single institution, High-net-worth individuals and families requiring personalized wealth advisory and cross-border investment solutions across Asia

The Bank of East Asia Ltd. logo

The Bank of East Asia Ltd.

The Bank of East Asia Ltd. is a Hong Kong-based FDIC-equivalent bank offering personal banking, wealth management, corporate financing, and investment services across Asia.

BBB: NR

Profile signals: Hong Kong and Asia-based individuals seeking personal banking with cross-border capabilities, Affluent clients interested in comprehensive wealth management and private banking services

ATMs & Cash Access in New York

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Bank of America ATM logo

Bank of America ATM

Bank of America's 95 Wall Street financial center offers 24/7 walk-up ATM access plus full-service banking during business hours in lower Manhattan.

5.0/5

Google rating from 3 reviews

BBB: NR

Profile signals: Downtown Manhattan financial professionals needing weekday banking services, Bank of America customers seeking 24/7 ATM access in lower Manhattan

Chase Bank ATM logo

Chase Bank ATM

Chase Bank operates a nationwide network of ATMs providing cash withdrawals and access to banking services. Customers can locate nearby ATMs through Chase's online branch and ATM locator tool.

BBB: NR

Profile signals: Chase Bank account holders seeking convenient cash access throughout the United States, Customers in major metropolitan areas like New York requiring multiple daily ATM access options

LibertyX Bitcoin ATM logo

LibertyX Bitcoin ATM

LibertyX operates Bitcoin ATMs at physical locations, allowing users to buy and sell cryptocurrency. Account creation required; specific location details unavailable on provided page.

BBB: NR

Profile signals: Consumers seeking physical, in-person Bitcoin purchase capability without online exchanges, Cryptocurrency beginners who want tangible ATM access and account-based transaction tracking

Santander Bank ATM logo

Santander Bank ATM

Santander Bank ATM at 222 Broadway in NYC's Financial District. Open 24 hours, accepts deposits, walk-up access.

BBB: NR

Profile signals: Santander Bank customers needing 24/7 cash access in Financial District, Downtown NYC workers and residents requiring quick ATM deposits or withdrawals

Santander Bank ATM logo

Santander Bank ATM

Santander Bank ATM located inside CVS Store #11384 at 217 Broadway, New York. Offers 24-hour cash access as part of Santander's 2000+ ATM network across the Northeast.

BBB: NR

Profile signals: Santander Bank customers needing 24/7 emergency cash access in lower Manhattan, CVS pharmacy shoppers who are Santander customers wanting convenient ATM access during shopping trips

Santander Bank ATM logo

Santander Bank ATM

Santander Bank operates a network of ATMs across New York City, including standalone locations and co-branded ATMs at CVS pharmacies for convenient cash access.

BBB: NR

Profile signals: New York City residents and workers seeking convenient cash access near Santander branch locations, Santander bank customers in Manhattan needing 24-hour ATM access for emergency cash withdrawals

Credit Cards in New York

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American Express logo

American Express

American Express is a global financial services company issuing premium and everyday credit cards, offering rewards programs, banking products, and travel benefits.

2.3/5

Google rating from 239 reviews

BBB: NR

Profile signals: Frequent travelers seeking premium travel perks, lounge access, and hotel benefits, High-credit-score consumers willing to pay annual fees for substantial rewards and benefits

Credit One "Bank" logo

Credit One "Bank"

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

1.2/5

Google rating from 1,081 reviews

BBB: NR

Profile signals: Consumers rebuilding credit after missed payments or collections, Individuals with limited credit history seeking first credit card

Citi logo

Citi

Citi is a major financial services company offering credit cards, checking accounts, mortgages, personal loans, and investment services through citi.com.

BBB: NR

Profile signals: Consumers seeking to consolidate high-interest debt using a 21-month 0% APR balance transfer offer, Cashback-focused reward seekers wanting uncapped 2% returns with no annual fee

Kasheesh logo

Kasheesh

Kasheesh is a fintech platform that lets you split a single purchase across multiple credit and debit cards in real-time, helping you maximize rewards and manage cash flow without taking on new debt.

BBB: NR

Profile signals: Multi-card users who want to maximize rewards across several credit cards with different bonus categories, Renters and bill-payers facing large monthly expenses that exceed individual card limits

Merrill Lynch Financial Advisor Kim Potvin logo

Merrill Lynch Financial Advisor Kim Potvin

Winter Stein Potvin Hokin Group is a Merrill Lynch Private Wealth Management team in New York specializing in customized wealth management, investment strategy, and financial planning for high-net-worth individuals and families.

BBB: NR

Profile signals: High-net-worth individuals and families with significant assets requiring sophisticated wealth management and preservation strategies, Business owners seeking integrated wealth planning, investment advisory, and tax-efficient strategies aligned with business goals

Insurance & Protection in New York

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Assurant logo

Assurant

Assurant provides insurance, warranties, and protection services for devices, homes, and vehicles through partnerships with major telecom, automotive, and property companies.

3.7/5

Google rating from 951 reviews

BBB: NR

Profile signals: Telecom customers purchasing mobile device protection through their carrier's plan, Auto buyers obtaining extended warranties and coverage through dealership financing

Equitable Distributors LLC logo

Equitable Distributors LLC

Equitable is a 165-year-old insurance and financial services company serving financial professionals, brokers, and RIAs with annuities, life insurance, retirement plans, and employee benefits.

BBB: NR

Profile signals: Financial professionals and brokers seeking a stable, innovative partner for annuity and retirement income products, Registered Investment Advisers (RIAs) looking for fee-based annuities and wealth management strategies to integrate into advisory practices

Insurent Lease Guaranty: Rental Cosigner Service logo

Insurent Lease Guaranty: Rental Cosigner Service

Insurent provides lease guaranty (rental cosigner) services that listed refund term rent payments to landlords, helping renters who don't meet financial qualification thresholds secure apartments across 775,000+ units.

BBB: NR

Profile signals: Recent college graduates without established rental history, Self-employed or non-traditionally employed renters with irregular income documentation

New York Life Insurance Company logo

New York Life Insurance Company

New York Life Insurance Company is a mutual life insurance provider offering life insurance, annuities, and investment products to individuals and businesses.

BBB: NR

Profile signals: Individuals seeking permanent life insurance with cash value accumulation and dividend potential, Families wanting personalized financial planning and insurance needs assessment through an advisor

TheGuarantors logo

TheGuarantors

AI-powered lease listed refund term and renters insurance platform that helps renters get approved for apartments while protecting landlords against defaults, damages, and vacancy.

BBB: NR

Profile signals: Renters with no U.S. credit history, including recent immigrants and international students, Renters who meet income requirements but fall short of traditional 3x rent thresholds or credit score minimums

Emergency Cash in New York

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Empenos Cash Loans logo

Empenos Cash Loans

Empenos Cash Loans is a loan agency in York, NY offering payday, installment, title, and personal loans with same-day application processing through an online platform.

BBB: NR

Profile signals: Borrowers in York, NY with short-term cash needs and access to online application tools, Individuals with poor credit seeking multiple loan product options in one marketplace

New York Payday Loan logo

New York Payday Loan

Online payday loan connector offering $100–$1,000 cash advances with provider-stated same-day to next-day funding timing. Also facilitates car title loans up to $35,000 with eligibility claim to verify.

BBB: NR

Profile signals: Borrowers with bad credit seeking quick emergency cash for unexpected bills, Vehicle owners needing larger amounts ($1,000–$35,000) who can use car title as collateral

RiteCheck logo

RiteCheck

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

BBB: NR

Profile signals: Borrowers facing unexpected expenses, People needing provider-stated funding timing

RiteCheck logo

RiteCheck

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

BBB: NR

Profile signals: Borrowers facing unexpected expenses, People needing provider-stated funding timing

RiteCheck logo

RiteCheck

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

BBB: NR

Profile signals: Borrowers facing unexpected expenses, People needing provider-stated funding timing

Payday Alternatives in New York

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Business Consortium Fund logo

Business Consortium Fund

Nonprofit CDFI lender offering business term loans from $25K and lines of credit from $100K to minority-owned and underserved small businesses since 1985.

5.0/5

Google rating from 7 reviews

BBB: NR

Profile signals: Minority-owned small businesses with $100K+ annual revenue seeking $25K–$100K+ in working capital, Businesses with active corporate or government contracts needing capital to fulfill purchase orders

Kashable logo

Kashable

Kashable offers employer-sponsored short-term loans integrated with payroll systems, providing low-cost credit to employees as a voluntary workplace benefit.

4.6/5

Google rating from 1,239 reviews

BBB: NR

Profile signals: Employees at large employers offering Kashable as a workplace benefit seeking short-term emergency financing, Federal employees with stable income seeking low-cost credit alternatives with automatic payroll repayment

Hebrew Free Loan Society Inc logo

Hebrew Free Loan Society Inc

Non-profit lender offering interest-free loans up to $7,500 to lower-income New Yorkers since 1892, with a 99.9% repayment rate.

4.2/5

Google rating from 38 reviews

BBB: NR

Profile signals: Lower-income New York City residents facing financial emergencies who cannot access traditional bank credit, Small business owners in the NYC area needing capital without high-interest debt

Fintech in New York

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MoneyLion logo

MoneyLion

MoneyLion is a fintech platform offering banking, lending, investing, and credit management tools through a single app. Serves 18M+ users with personal loans, checking accounts, credit cards, and automated investing.

4.8/5

Google rating from 26,649 reviews

BBB: F

Profile signals: Tech-savvy consumers wanting to consolidate 5+ financial services into one app, Users with fair/building credit seeking integrated credit improvement with banking options

Brigit logo

Brigit

Cash advances up to $250 with no interest or credit check, plus a credit builder loan that reports to all 3 bureaus. $9.99/month.

BBB: NR

Profile signals: Workers needing small cash advances between paychecks, People building credit with no existing credit history

Credit Building in New York

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Coast Tradelines logo

Coast Tradelines

Coast Tradelines sells authorized user tradeline accounts to consumers seeking rapid credit-score context to review. They claim to boost FICO scores through purchased seasoned credit card accounts.

4.9/5

Google rating from 55 reviews

BBB: NR

Profile signals: Consumers with limited credit history seeking rapid score improvement for near-term financing needs, Individuals with damaged credit who want quick results before mortgage or auto loan applications

fix-my-credit in New York

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Lexington Law logo

Lexington Law

Lexington Law is a credit repair company that disputes errors and negative items on credit reports to help consumers improve their credit scores.

BBB: NR

Profile signals: Consumers with multiple negative items on credit reports seeking professional dispute assistance, Individuals who want legal backing for credit disputes and want to work with law firms

Monitor & Protect in New York

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Regal Credit Management logo

Regal Credit Management

Regal Credit Management offers AI-backed credit monitoring, identity theft protection, and credit building solutions for individuals and financial professionals managing client accounts.

5.0/5

Google rating from 1 review

BBB: NR

Profile signals: Financial professionals (CPAs, wealth managers) seeking client credit and identity monitoring tools, High-net-worth individuals prioritizing institutional-grade identity theft protection

Your Rights in New York

New York Consumer Protections: New York bans payday lending through its 16% civil usury and 25% criminal usury caps. The Department of Financial Services aggressively pursues illegal online payday lenders. Consumers have strong protections under state law and can file complaints with DFS or the Attorney General.

Interest Rate Cap: New York usury cap: 16% civil usury; 25% criminal usury; payday lending banned. Payday lending is banned in this state.

Key Regulations:
  • Payday lending is banned; civil usury cap of 16% and criminal usury cap of 25% make it illegal.
  • The Department of Financial Services actively enforces against online payday lenders targeting NY residents.
  • Licensed lenders under the Banking Law may charge rates agreed upon for certain loan types.
  • The NY Consumer Protection Act and General Business Law Article 22-A protect consumers.

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 New York Attorney General Consumer Frauds Bureau.

Research Service Guides

Use these guides with local pages, state rules, and provider profiles before contacting a company.

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