North Miami, FL

Credit Repair & Financial Services in North Miami

Compare 5 credit repair companies, personal lenders, and financial services in North 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 North Miami

5 companies
AAA Pawnbrokers of North Miami logo

AAA Pawnbrokers of North Miami

AAA Pawnbrokers of North Miami buys, sells, and pawns gold, jewelry, firearms, and general merchandise. Multi-award-winning shop open 6 days weekly with on-site concealed carry instruction.

4.5/5
Contact BBB: NR

Best for: Firearm owners in North Miami seeking quick cash loans against firearms with local expertise and compliance assurance, Florida residents pursuing concealed carry permits who want training, application guidance, and fingerprinting coordination in one location

Bee Pawn North Miami logo

Bee Pawn North Miami

Bee Pawn is a Florida-based pawn shop and luxury goods buyer specializing in gold, jewelry, watches, designer handbags, and electronics with same-day cash loans and no credit checks.

4.4/5
Contact BBB: NR

Best for: Individuals with luxury items (watches, jewelry, designer handbags) who need immediate cash and cannot qualify for traditional loans, People looking to sell high-end goods quickly for fair market value without the delays of consignment or auction

Safe Credit Solutions Inc - Reparación de Crédito logo

Safe Credit Solutions Inc - Reparación de Crédito

Bilingual credit repair firm disputing negative items for English and Spanish speakers in the US, with personalized coaching and ongoing credit report monitoring.

4.1/5
$79.99/mo BBB: C-

Best for: Spanish-speaking US consumers who need bilingual credit repair support and prefer Spanish-first communication, Consumers with multiple negative items — collections, late payments, charge-offs, or repossessions — seeking active bureau disputes

Housing Foundation of America logo

Housing Foundation of America

HUD-certified nonprofit offering free homebuyer counseling, credit education, down payment assistance navigation, and foreclosure prevention across Florida and North Carolina.

4.0/5
Contact BBB: NR

Best for: First-time homebuyers in South Florida or select North Carolina counties seeking free pre-purchase counseling, Homeowners facing foreclosure or mortgage delinquency needing loss mitigation guidance

Nsc (Naca Counseling Subsidiary) - N. Miami, FL logo

Nsc (Naca Counseling Subsidiary) - N. Miami, FL

NACA offers character-based mortgage lending with no down payment, no closing costs, and no mortgage insurance, targeting low-to-moderate income and historically underserved borrowers.

4.0/5
Contact BBB: NR

Best for: Low-to-moderate income first-time homebuyers with limited savings for down payments, Borrowers with poor or limited credit history who don't qualify for traditional mortgages

Pawn Shops in North Miami

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AAA Pawnbrokers of North Miami logo

AAA Pawnbrokers of North Miami

AAA Pawnbrokers of North Miami buys, sells, and pawns gold, jewelry, firearms, and general merchandise. Multi-award-winning shop open 6 days weekly with on-site concealed carry instruction.

4.5/5
Contact BBB: NR

Best for: Firearm owners in North Miami seeking quick cash loans against firearms with local expertise and compliance assurance, Florida residents pursuing concealed carry permits who want training, application guidance, and fingerprinting coordination in one location

Bee Pawn North Miami logo

Bee Pawn North Miami

Bee Pawn is a Florida-based pawn shop and luxury goods buyer specializing in gold, jewelry, watches, designer handbags, and electronics with same-day cash loans and no credit checks.

4.4/5
Contact BBB: NR

Best for: Individuals with luxury items (watches, jewelry, designer handbags) who need immediate cash and cannot qualify for traditional loans, People looking to sell high-end goods quickly for fair market value without the delays of consignment or auction

Free Help in North Miami

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Housing Foundation of America logo

Housing Foundation of America

HUD-certified nonprofit offering free homebuyer counseling, credit education, down payment assistance navigation, and foreclosure prevention across Florida and North Carolina.

4.0/5
Contact BBB: NR

Best for: First-time homebuyers in South Florida or select North Carolina counties seeking free pre-purchase counseling, Homeowners facing foreclosure or mortgage delinquency needing loss mitigation guidance

Mortgages & Home Loans in North Miami

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Nsc (Naca Counseling Subsidiary) - N. Miami, FL logo

Nsc (Naca Counseling Subsidiary) - N. Miami, FL

NACA offers character-based mortgage lending with no down payment, no closing costs, and no mortgage insurance, targeting low-to-moderate income and historically underserved borrowers.

4.0/5
Contact BBB: NR

Best for: Low-to-moderate income first-time homebuyers with limited savings for down payments, Borrowers with poor or limited credit history who don't qualify for traditional mortgages

Credit Repair in North Miami

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Safe Credit Solutions Inc - Reparación de Crédito logo

Safe Credit Solutions Inc - Reparación de Crédito

Bilingual credit repair firm disputing negative items for English and Spanish speakers in the US, with personalized coaching and ongoing credit report monitoring.

4.1/5
$79.99/mo BBB: C-

Best for: Spanish-speaking US consumers who need bilingual credit repair support and prefer Spanish-first communication, Consumers with multiple negative items — collections, late payments, charge-offs, or repossessions — seeking active bureau disputes

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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