North Miami, FL

Credit Repair & Financial Services in North Miami

Review 9 credit repair companies, personal lenders, and financial services in North Miami, Florida. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Pawn Shops (4) Mortgages & Home Loans (2) Free Help (1) Credit Repair (1)

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

Featured Provider Profiles in North Miami

9 companies

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.

4.9/5

Google rating from 647 reviews

BBB: NR

Profile signals: Firearm owners in North Miami seeking short-term cash access loans against firearms with local experience context and compliance assurance, Florida residents pursuing concealed carry permits who want training, application guidance, and fingerprinting coordination in one location

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 eligibility claims to verify.

4.9/5

Google rating from 158 reviews

BBB: NR

Profile signals: Individuals with luxury items (watches, jewelry, designer handbags) who are researching short-term cash access and may not meet traditional loan criteria, 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

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

4.7/5

Google rating from 2,936 reviews

BBB: C-

Profile signals: 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

American Pawn

American Pawn in North Miami offers short-term cash access loans using personal items as collateral. Open weekdays and Saturday mornings with convenient SR-7 location.

BBB: NR

Profile signals: Consumers researching short-term cash access with no credit history or active credit issues, People with valuable items (jewelry, electronics, instruments) they can temporarily part with

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.

BBB: NR

Profile signals: 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

International Loans & Jewelers

International Loans & Jewelers in North Miami offers jewelry services and financial solutions with a focus on engagement ring creation. The locally-owned shop maintains a 71.5% positivity score based on 7 customer reviews.

BBB: NR

Profile signals: North Miami area residents seeking custom engagement ring design and consultation, Customers who prefer working with locally-owned jewelry shops with community history

Pawn Shops in North Miami

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.

4.9/5

Google rating from 647 reviews

BBB: NR

Profile signals: Firearm owners in North Miami seeking short-term cash access loans against firearms with local experience context and compliance assurance, Florida residents pursuing concealed carry permits who want training, application guidance, and fingerprinting coordination in one location

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 eligibility claims to verify.

4.9/5

Google rating from 158 reviews

BBB: NR

Profile signals: Individuals with luxury items (watches, jewelry, designer handbags) who are researching short-term cash access and may not meet traditional loan criteria, People looking to sell high-end goods quickly for fair market value without the delays of consignment or auction

American Pawn

American Pawn in North Miami offers short-term cash access loans using personal items as collateral. Open weekdays and Saturday mornings with convenient SR-7 location.

BBB: NR

Profile signals: Consumers researching short-term cash access with no credit history or active credit issues, People with valuable items (jewelry, electronics, instruments) they can temporarily part with

International Loans & Jewelers

International Loans & Jewelers in North Miami offers jewelry services and financial solutions with a focus on engagement ring creation. The locally-owned shop maintains a 71.5% positivity score based on 7 customer reviews.

BBB: NR

Profile signals: North Miami area residents seeking custom engagement ring design and consultation, Customers who prefer working with locally-owned jewelry shops with community history

Mortgages & Home Loans in North Miami

NACA

NACA offers character-based mortgages with no down payment, no closing costs, and no mortgage insurance, targeting low-to-moderate income borrowers and people of color.

BBB: NR

Profile signals: Low-to-moderate income first-time homebuyers with limited savings, People of color and historically underserved communities facing traditional lending discrimination

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.

BBB: NR

Profile signals: 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

Free Help in North Miami

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.

BBB: NR

Profile signals: 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

Credit Repair in North Miami

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.

4.7/5

Google rating from 2,936 reviews

BBB: C-

Profile signals: 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

Banks in North Miami

US Loan Corp

U.S. Bank is a major national bank offering checking, savings, credit cards, mortgages, auto loans, and investment services through 2,800+ branches and online banking.

BBB: NR

Profile signals: Consumers who value physical branch locations and in-person banking access, Customers seeking integrated banking, lending, and investment services from a single FDIC-insured institution

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.

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