Compare 105 credit repair companies, personal lenders, and financial services in Philadelphia, Pennsylvania. All independently reviewed with BBB ratings and pricing.
American Heritage Credit Union is a federally-insured financial cooperative offering checking, savings, loans, and credit cards with multiple Philadelphia-area branches including a Rhawn Street location.
Best for: Philadelphia-area residents and workers seeking convenient branch access with extended teller hours, Credit union members prioritizing member-ownership structure and potential profit-sharing benefits
Philadelphia-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, foreclosure prevention, and debt relief for individuals and small business owners.
Best for: Philadelphia-area residents facing foreclosure, repossession, or overwhelming unsecured debt who need legal representation, Small business owners seeking bankruptcy counsel in Pennsylvania
National consumer rights law firm specializing in FCRA violations, debt collection harassment, identity theft, and class action litigation. Works on contingency with no upfront costs to clients.
Best for: Consumers with clear FCRA violations or credit reporting errors seeking recovery without upfront costs, Individuals targeted by aggressive debt collection harassment with potential FDCPA statutory damages
Pennsylvania bankruptcy law firm offering Chapter 7/13 filing, debt settlement, and foreclosure defense with 22+ years of experience across Lansdale and Philadelphia offices.
Best for: Pennsylvania residents (Lansdale/Philadelphia area) facing Chapter 7 or Chapter 13 bankruptcy filing, Individuals with significant unsecured debt seeking settlement negotiations with creditors
Philadelphia-based consulting firm helping businesses build EIN-based credit and access financing without personal credit checks or collateral.
Best for: Small business owners who have been denied financing by traditional banks, Entrepreneurs wanting to build business credit separate from personal credit history
Philadelphia-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, debt elimination, and foreclosure prevention with 25+ years of experience.
Best for: Individuals in Philadelphia/Eastern PA facing multiple debts with creditor actions (lawsuits, wage garnishment, foreclosure, repossession), Consumers unsure whether bankruptcy or alternative debt resolution strategies are appropriate for their situation
Latino-based non-profit offering community economic development, family services, and financial opportunity programs in Philadelphia since 1970.
Best for: Low-income Latino families in Philadelphia seeking integrated financial and social services, Individuals seeking culturally competent, Spanish-language financial counseling and housing assistance
Free financial literacy workshops hosted by the Free Library of Philadelphia in partnership with Citadel, offering credit and money management education to teens and adults.
Best for: Philadelphia-area residents aged 15+ seeking foundational credit and money management knowledge, Teens and young adults building financial literacy before major life decisions
Premisien offers free credit counseling consultations for personal and business credit improvement, plus lending and bookkeeping services for individuals and small businesses.
Best for: Small business owners needing business credit building and lending guidance, Individuals in underserved communities seeking personalized credit improvement with cultural relevance
Clarifi is a Philadelphia-area non-profit providing free financial counseling, housing assistance, and benefits access to low- and moderate-income residents across Southeastern PA, NJ, and DE.
Best for: Low- and moderate-income families seeking judgment-free debt and budget counseling in the PA/NJ/DE region, Homeowners needing assistance with essential repairs and accessing repair grant programs
Non-profit community organization providing free housing, immigration, and social services to low-income families and new immigrants in Philadelphia's Olney neighborhood since 1984.
Best for: New immigrants seeking naturalization assistance and benefits enrollment support in Philadelphia, Low-income families in Olney (19120 zip code) needing affordable housing guidance and resources
Nicetown CDC is a Philadelphia-based nonprofit community development organization offering housing counseling, foreclosure prevention, and neighborhood support services to low-to-moderate income residents.
Best for: Philadelphia homeowners facing foreclosure or tax delinquency seeking preservation assistance, Low-to-moderate income Nicetown residents needing resource referrals and community support
Real estate closing and title services agency operating in PA, NJ, and FL, specializing in title insurance, settlements, and deed transfers with 20+ years experience.
Best for: Homebuyers and sellers in PA, NJ, or FL completing residential real estate transactions, Real estate agents seeking closing and title services for their clients in serviced states
Philadelphia-based real estate lender offering construction loans, bridge financing, DSCR rental property loans, and fix-and-flip mortgages with expedited approval processes.
Best for: Real estate investors with strong cash-flowing rental properties seeking DSCR loans to leverage asset-based qualification, Fix-and-flip developers on tight timelines needing rapid capital deployment for acquisition and construction costs
Private mortgage lender specializing in bridge financing, fix-and-flip loans, and commercial real estate funding for investors across Philadelphia, Southeastern PA, and New Jersey since 1956.
Best for: Real estate fix-and-flip investors needing rapid capital for time-sensitive deals, Commercial real estate developers requiring bridge financing during construction or acquisition phases
First American Title Agency Services provides title insurance, settlement, and underwriting services for residential and commercial real estate transactions across Pennsylvania.
Best for: Title agents and attorneys in Pennsylvania seeking underwriting support and settlement services, Real estate closing professionals looking for integrated technology and workflow management solutions
Philadelphia-based mortgage broker specializing in home purchase and refinance loans with a focus on transparency, technology, and personalized service for diverse borrower profiles.
Best for: First-time homebuyers seeking simplified mortgage processes with transparent costs, Self-employed professionals, gig-workers, and entrepreneurs with non-traditional income documentation
Mimi Goitom is a mortgage loan officer at CrossCountry Mortgage based in Philadelphia, PA, helping borrowers with home purchase and refinance options.
Best for: Tech-savvy borrowers comfortable with digital mortgage applications, Philadelphia-area homebuyers seeking a national lender with local support
American Heritage Credit Union is a federally-insured financial cooperative offering checking, savings, loans, and credit cards with multiple Philadelphia-area branches including a Rhawn Street location.
Best for: Philadelphia-area residents and workers seeking convenient branch access with extended teller hours, Credit union members prioritizing member-ownership structure and potential profit-sharing benefits
Everence Federal Credit Union is a member-owned financial institution offering banking services, though geographic restrictions may limit access depending on your location.
Best for: Individuals in Everence's membership communities seeking traditional banking services, Members looking for member-owned cooperative banking without corporate profit motives
Sun Federal Credit Union is a member-owned financial institution serving Ohio and Pennsylvania with competitive rates on loans, savings accounts, and credit cards since 1949.
Best for: Ohio and Pennsylvania residents seeking traditional credit union membership with relationship-based service and cooperative ownership benefits, Consumers with eligible family connections, student status, or community area residence who want to avoid employment-dependent credit union restrictions
Pennsylvania-based credit union offering checking, savings, CDs, auto loans, personal loans, mortgages, and credit cards to members across the nation following recent charter expansion.
Best for: Pennsylvania residents or newly eligible national members seeking community-oriented banking with personalized service, Auto buyers wanting professional negotiation assistance and competitive financing through the Auto Buying Concierge program
Philadelphia Federal Credit Union is a full-service credit union offering checking, savings, loans, and ATM access across Philadelphia locations.
Best for: Philadelphia residents seeking a community credit union with local branch presence, Small business owners needing commercial deposit services and business accounts
TruMark Financial Credit Union's Center City branch offers comprehensive financial services including checking, savings, loans, mortgages, and credit cards for personal and business members.
Best for: Eligible members seeking competitive rates on mortgages, auto loans, and personal loans through a credit union structure, Small business owners needing integrated checking, savings, lending, and cash management solutions from a single financial institution
Eagle One FCU is a credit union serving Philadelphia Letter Carriers and eligible members with savings, checking, loans, and credit cards.
Best for: Philadelphia Letter Carriers and their eligible family members seeking full-service banking, Postal workers needing union-affiliated financial services and member-owned structure benefits
Tioga Franklin Savings Bank is a Philadelphia-based full-service bank offering personal and business checking, savings accounts, CDs, and loan services with competitive promotional rates.
Best for: Philadelphia-area residents seeking traditional community bank checking and savings accounts, Savers with $10,000+ available for CD laddering at competitive rates
FDIC-insured community bank offering personal and business checking, savings, mortgages, loans, and digital banking services across multiple locations.
Best for: Business owners seeking zero-fee checking with cash management services and personalized service in Philadelphia or Atlanta, Customers prioritizing local relationship banking and community engagement over digital-first convenience
Philadelphia-based community bank serving individuals, organizations and small businesses since 1999, with a focus on personalized service and underserved communities.
Best for: Local banking with personal service, FDIC-insured deposits
Finanta is a CDFI (Community Development Financial Institution) and credit union offering affordable loans, financial services, and community development financing to low-income Philadelphia-area residents and entrepreneurs.
Best for: Low-to-moderate income entrepreneurs wanting to start or expand small businesses with coaching support, First-time homebuyers in Philadelphia area seeking affordable mortgage options
Hyperion Bank is an FDIC-insured community bank offering personal and business checking, savings, mortgages, loans, and digital banking services across multiple locations.
Best for: Regional customers in Philadelphia and Atlanta seeking traditional community banking with personal service, Small business owners needing business checking, loans, and cash management services
A1 Credit Doctor is a Philadelphia-based credit repair business helping consumers improve their credit profiles through dispute resolution and credit optimization services.
Best for: Philadelphia-area residents with geographic preference for local, in-person credit repair services, Consumers interested in supporting black-owned businesses while addressing credit issues
Boomin Credit is a credit repair company offering dispute and removal services for negative items and errors on credit reports, claiming over 10 years of industry experience.
Best for: Consumers with errors, false inquiries, or inaccurate negative items on credit reports, Those seeking credit restoration after collection accounts or credit disputes
Credlocity is a credit repair company that disputes negative items on credit reports using AI-driven strategies and FCRA compliance analysis. Founded in 2008, they serve all 50 states with a 30-day free trial and no upfront fees.
Best for: Consumers with collections accounts and late payments seeking professional dispute filing with compliance-focused strategies, Individuals preferring online enrollment only with no phone contact requirements
Credit Freedom & Restoration is a FICO-certified credit repair company based in Bucks County, PA that disputes inaccurate items on credit reports and provides personalized improvement strategies nationwide.
Best for: Consumers with suspected errors or inaccuracies on credit reports across multiple bureaus, Small business owners and entrepreneurs looking to build or repair business credit profiles
DaeWes Credit Solutions disputes inaccurate items on credit reports and provides credit education to help consumers nationwide improve their financial position.
Best for: Consumers with inaccurate or unverifiable negative items on their credit reports seeking dispute assistance, Small business owners looking to establish or repair business credit via EIN
Limitless Credit Consulting LLC offers credit repair services through dispute assistance and personalized credit consultant support. The company helps clients remove negative accounts and improve credit scores.
Best for: Consumers with negative accounts on credit reports seeking personalized dispute assistance, Individuals wanting one-on-one consultant relationships rather than automated services
Capital MBS is a business financing marketplace offering equipment loans, business funding, and credit consulting to small businesses with loan amounts from $20K–$5M and funding in 1–5 days.
Best for: Small business owners who don't qualify for traditional bank loans due to limited credit history or non-traditional business structures, Entrepreneurs seeking equipment financing with flexible terms and quick approval timelines
Philadelphia-based business lender offering lines of credit up to $350K and merchant cash advances up to $2M with minimal documentation and rapid 24-hour funding.
Best for: Established small businesses needing rapid working capital ($50K-$350K) with 2+ years operating history, Entrepreneurs requiring capital for inventory, equipment, or operational expansion without lengthy SBA approval timelines
Complete Controller is a Philadelphia-based bookkeeping service firm offering outsourced accounting, monthly reconciliation, and financial reporting for small to mid-sized local businesses.
Best for: Philadelphia-area small to mid-sized business owners who lack full-time bookkeeping needs but require professional accuracy and continuity, Healthcare practices, law firms, contractors, and real estate investors operating in the Delaware Valley with industry-specific accounting needs
Philadelphia-based commercial financing broker arranging hard money, construction, and FHA loans for residential, commercial, and land projects through a network of vetted lenders.
Best for: Real estate investors seeking hard money loans for fix-and-flip or rental property projects, Borrowers with credit challenges or non-traditional income who don't qualify for conventional FHA or Fannie Mae loans
Philadelphia's public-private economic development corporation providing financing, real estate solutions, and capital access to businesses, nonprofits, and developers across the city.
Best for: Philadelphia-based small businesses seeking growth capital with mission-aligned lenders, Nonprofits and community development organizations needing project financing
Payment processing consultant and merchant account broker based in Philadelphia serving U.S. businesses. Specializes in reducing credit card processing fees through dual-pricing merchant accounts.
Best for: Small to mid-sized retail and service businesses processing $10,000+ monthly, Merchants currently overpaying on credit card processing fees seeking rate reduction
Philadelphia-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, foreclosure prevention, and debt relief for individuals and small business owners.
Best for: Philadelphia-area residents facing foreclosure, repossession, or overwhelming unsecured debt who need legal representation, Small business owners seeking bankruptcy counsel in Pennsylvania
National consumer rights law firm specializing in FCRA violations, debt collection harassment, identity theft, and class action litigation. Works on contingency with no upfront costs to clients.
Best for: Consumers with clear FCRA violations or credit reporting errors seeking recovery without upfront costs, Individuals targeted by aggressive debt collection harassment with potential FDCPA statutory damages
Pennsylvania bankruptcy law firm offering Chapter 7/13 filing, debt settlement, and foreclosure defense with 22+ years of experience across Lansdale and Philadelphia offices.
Best for: Pennsylvania residents (Lansdale/Philadelphia area) facing Chapter 7 or Chapter 13 bankruptcy filing, Individuals with significant unsecured debt seeking settlement negotiations with creditors
Philadelphia-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, debt elimination, and foreclosure prevention with 25+ years of experience.
Best for: Individuals in Philadelphia/Eastern PA facing multiple debts with creditor actions (lawsuits, wage garnishment, foreclosure, repossession), Consumers unsure whether bankruptcy or alternative debt resolution strategies are appropriate for their situation
Philadelphia-based civil litigation firm specializing in bankruptcy, debt defense, and debt resolution for individuals and businesses. Offers free consultations and payment plans.
Best for: Philadelphia-area individuals facing Chapter 7 or Chapter 13 bankruptcy and seeking free initial consultation, Small business owners in Pennsylvania dealing with business debt, foreclosure defense, or creditor disputes
Philadelphia-based bankruptcy law firm with 40 years of experience offering Chapter 7 and Chapter 13 filings, foreclosure defense, and family law services with flexible payment plans.
Best for: Philadelphia-area residents facing Chapter 7 or Chapter 13 bankruptcy who need flexible payment arrangements, Homeowners in foreclosure seeking to defend against foreclosure or restructure mortgage debt
Family-owned Philadelphia pawn shop and jewelry dealer operating since 1860, specializing in collateral-based loans on fine jewelry and watches plus retail jewelry sales.
Best for: Philadelphia residents with valuable jewelry or watches who need quick cash and want to avoid credit checks, Buyers seeking high-end jewelry and watches at significant discounts below retail pricing
Pawn shop offering collateral-based loans and buying/selling of gold, jewelry, and electronics. Limited accessible information available.
Best for: Consumers needing immediate cash and willing to use personal items as collateral, Individuals with poor or no credit history seeking short-term loans
Family-owned pawn shop in Philadelphia's Jeweler's Row offering collateral-based loans, buying, and selling of jewelry, watches, gold, diamonds, and collectibles with transparent 3% monthly fees.
Best for: Consumers with valuable items who need immediate cash but lack access to traditional credit or unsecured personal loans, Philadelphia residents with jewelry, watches, gold, or collectibles seeking quick liquidity without credit checks
Multi-location pawn shop across NJ, PA, and DE buying gold, diamonds, electronics, tools, and collectibles for instant cash.
Best for: Consumers needing immediate cash and willing to sell items outright, People with gold, diamonds, or precious metals to liquidate quickly
Cash Express is a Philadelphia-based pawn shop offering quick cash loans secured by jewelry, watches, and high-end items. They also buy and appraise precious metals, diamonds, and antiques.
Best for: People with valuable jewelry, watches, or collectibles who need immediate cash and cannot wait for alternative financing, Individuals with items of genuine high-end or luxury value who want professional appraisal
Forman's Pawnshop & Expert Watch Repair offers collateral-based loans and specialized watch repair services. Website currently inaccessible for detailed service verification.
Best for: Customers needing immediate cash who own valuable items (jewelry, watches, electronics) they can pledge as collateral, Watch owners requiring expert horological repair and maintenance services
Hunting Park Check Cashing & Auto Tags offers check cashing and money transfer services with convenient hours in Philadelphia's Hunting Park neighborhood.
Best for: Unbanked and underbanked Philadelphia residents needing immediate check conversion, Consumers without traditional bank accounts seeking money order and wire transfer services
United Check Cashing Philadelphia, PA — United Check Cashing operates two locations in Delaware and New Jersey, offering check cashing, money transfers,...
Best for: Unbanked or underbanked consumers in Delaware and New Jersey who prefer cash-based financial management, Small business owners needing to cash business-payable checks without a business bank account
Cottman Check Cashing offers check cashing and financial services in Philadelphia. Located on Bleigh Ave with extended weekday hours and weekend availability.
Best for: Philadelphia residents needing quick check conversion without bank account, Workers unable to access banking services during traditional business hours
Richmond Check Cashing provides check cashing and financial transaction services. Unable to verify current operations or service details due to inaccessible business profile.
Best for: Unbanked consumers needing immediate check-to-cash conversion in the Richmond area, Individuals without traditional bank accounts seeking check cashing and money order services
Nikki's Check Cashing offers check cashing, money orders, and cash advance services in Philadelphia. Located on Bustleton Ave with extended weekday hours.
Best for: Customers needing emergency cash access outside traditional banking hours, Unbanked individuals requiring check cashing or money order services
Black-owned debt relief service in Philadelphia offering debt settlement and management solutions to help consumers address outstanding debts.
Best for: Consumers in Philadelphia area seeking debt relief from a Black-owned business, Individuals prioritizing support for minority-owned professional services
Imagine issues a Visa credit card with no security deposit requirement, targeting consumers rebuilding credit with instant approval decisions and free monthly credit score access.
Best for: Consumers rebuilding credit who want to avoid paying a security deposit required by most credit-building cards, First-time credit card applicants seeking quick approval decisions with minimal impact on credit
Philadelphia-based notary and registration agency offering auto tag services, title processing, and notary services since 1989. Also provides insurance products through partner providers.
Best for: Philadelphia-area residents needing auto registration, title work, and notary services in one visit, New Pennsylvania residents purchasing vehicles seeking quick title registration and transfer
Opportunity Finance Network (OFN) is the leading national network of Community Development Financial Institutions (CDFIs) that provide affordable capital and financing to underserved communities, small businesses, and affordable housing initiatives.
Best for: Small business owners and entrepreneurs in underserved, low-income, or rural communities seeking affordable capital, Developers and organizations building affordable housing or community facilities in economically disadvantaged areas
Philadelphia-based consulting firm helping businesses build EIN-based credit and access financing without personal credit checks or collateral.
Best for: Small business owners who have been denied financing by traditional banks, Entrepreneurs wanting to build business credit separate from personal credit history
PlanBLoan is a loan marketplace that connects borrowers with lenders for personal loans up to $5,000 through a free online application form.
Best for: Borrowers seeking convenience of comparing multiple lender offers through a single application, Consumers with moderate credit who may not qualify for traditional bank personal loans
Woodland Money Loan is a Philadelphia-based emergency cash lender located at 4701 Frankford Ave, offering fast small loans with extended weekday hours.
Best for: Philadelphia-area residents needing same-day or next-day emergency cash, Consumers who prefer in-person lending interactions over online applications
Pennsylvania Consumer Protections: Pennsylvania effectively bans payday lending through its strict usury laws. Licensed consumer discount companies can charge higher rates but remain well below payday loan levels. Consumers can file complaints with the Department of Banking and Securities or the Attorney General's Bureau of Consumer Protection.
Interest Rate Cap: Pennsylvania usury cap: 6% for non-licensed lenders (24% for licensed small loan companies); payday lending banned. Payday lending is banned in this state.
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 Pennsylvania Attorney General Bureau of Consumer Protection.
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