Compare 85 credit repair companies, personal lenders, and financial services in Philadelphia, Pennsylvania. All independently reviewed with BBB ratings and pricing.
7-Gates Credit Solutions offers credit repair and auditing services to help remove inaccurate items from credit reports and improve credit scores through dispute processes.
Best for: Consumers with inaccurate or outdated negative items on their credit reports, People who have been denied credit and want professional help identifying and disputing errors
Bank of America Financial Center in Kensington, Philadelphia offering full-service banking with walk-up ATM, appointment scheduling, and specialist guidance for personal and business financial needs.
Best for: Philadelphia residents and businesses already using Bank of America who prefer in-person specialist consultations, Small business owners needing commercial deposit services and business banking specialists
LendPlans is an online loan marketplace that connects borrowers with personal loan lenders offering up to $5,000 through a simple digital application process.
Best for: Borrowers seeking quick online personal loans under $5,000 who prefer not to visit physical locations, Applicants with non-prime credit seeking lenders willing to work with lower credit scores
Non-profit financial and housing empowerment organization serving Greater Philadelphia for 50+ years, offering free certified counseling to low- and moderate-income residents.
Best for: Low-to-moderate income residents in Southeastern Pennsylvania, New Jersey, or Delaware, Homeowners needing affordable home repair assistance or housing counseling
Non-profit financial counseling and housing empowerment service serving Greater Philadelphia's low- to moderate-income residents across PA, NJ, and Delaware since 1973.
Best for: Low- to moderate-income families in Greater Philadelphia region seeking free debt counseling without sales pressure, Homeowners needing assistance with affordable housing repairs and maintenance programs
Philadelphia-area non-profit providing free certified financial counseling, housing assistance, and benefits access to low- and moderate-income families across PA, NJ, and Delaware.
Best for: Low- to moderate-income families in Southeastern Pennsylvania, New Jersey, or Delaware needing comprehensive financial counseling, Homeowners requiring affordable repair assistance and financing guidance in the Delaware Valley region
ACE Cash Express operates 17 locations in Philadelphia offering check cashing, money transfers, bill payment, and prepaid banking services with mobile app support.
Best for: Unbanked and underbanked individuals seeking FDIC-insured deposit accounts without traditional banking requirements, Small business owners and self-employed people needing business services and tax preparation support
Esk Financial Inc operates check cashing and cash advance services from Philadelphia and Wilmington locations, offering quick access to funds through their branded CASH phone line.
Best for: Philadelphia and Wilmington area residents needing in-person financial services, Customers preferring traditional brick-and-mortar locations over online platforms
Community-based financial service centers offering check cashing, bill payments, money transfers, and prepaid debit cards across 50+ locations nationwide.
Best for: Unbanked and underbanked consumers without access to traditional bank accounts, Small business owners needing check cashing and bill payment services
Community-based financial services center offering check cashing, bill payments, money transfers, and prepaid debit cards without lending products.
Best for: Unbanked or underbanked workers who prefer cash-based financial management, Individuals seeking check cashing without lending pressure or predatory loan options
Golden Payment Center & Service offers bill payment services and check cashing in Philadelphia's Oxford Circle neighborhood. Local financial services for residents needing payment processing.
Best for: Philadelphia residents in or near Oxford Circle needing check cashing, Unbanked or underbanked individuals requiring bill payment services
MoneyGram is a global money transfer service offering domestic and international sending/receiving through 84+ locations across Philadelphia, including partner retailers like CVS, Ace Cash Express, and independent agents.
Best for: Customers needing to send money domestically to family or pay bills quickly, Unbanked or underbanked individuals without traditional bank accounts in Philadelphia
Philadelphia-based law firm offering tax, business, estate planning, and litigation services to individuals and businesses across multiple states since 2011.
Best for: Business owners needing integrated tax, corporate structure, and estate planning advice across multiple states, Philadelphia-based entrepreneurs seeking legal services from a locally established firm with national reach
Garibian Law Offices is a bankruptcy and civil litigation firm founded by attorney Antranig N Garibian, serving clients across Pennsylvania, New York, Delaware, and New Jersey.
Best for: Individuals facing personal bankruptcy in Pennsylvania, New Jersey, Delaware, or New York seeking attorney representation, Clients who prioritize detailed case preparation and meticulous legal strategy over quick resolutions
Pennsylvania and New Jersey bankruptcy law firm exclusively serving consumers through Chapter 7 and Chapter 13 filings. Focuses on debt relief and financial fresh starts.
Best for: Pennsylvania and New Jersey residents overwhelmed by unsecured debt seeking legal bankruptcy protection, Consumers needing formal Chapter 7 liquidation or Chapter 13 wage-earner repayment plan representation
Philadelphia-based law firm specializing in civil litigation, real estate, and bankruptcy matters. Partners Rosario Grifo and Paul Chung serve clients across income levels with competitive hourly rates.
Best for: Philadelphia-area residents needing civil litigation representation with potential bankruptcy components, Clients seeking a general practice attorney for complex matters spanning real estate, estates, and litigation
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: Individuals facing Chapter 7 or Chapter 13 bankruptcy who need attorney representation in Pennsylvania state or federal court, Business owners with overlapping legal needs (e.g., business debt defense plus commercial contract disputes)
Tax attorney firm specializing in IRS debt resolution, tax relief programs, and enforcement action defense across multiple states with offices in Philadelphia, PA.
Best for: Self-employed individuals and small business owners facing IRS wage garnishment, levy, or asset seizure actions, Philadelphia-area residents with Pennsylvania state tax debt or high local wage tax burdens
Commerce Capital Funding offers fast unsecured business loans, lines of credit, and merchant cash advances for small businesses needing quick cash flow solutions.
Best for: Small business owners needing fast working capital without bank delays, Merchants with consistent card sales looking for immediate cash advances
Commercial Lenders of America offers commercial real estate financing, hard money loans, SBA loans, and working capital solutions for small to large businesses with up to $100M in loan amounts.
Best for: Real estate investors seeking short-term fix-and-flip or bridge financing, Small business owners needing working capital without collateral for amounts under $725,000
Private commercial real estate lender offering mortgages, bridge loans, and hard money financing for projects from $100K to $2B nationwide and internationally.
Best for: Commercial real estate investors seeking bridge financing for time-sensitive acquisitions or auctions, Developers with ground-up construction projects rejected by traditional lenders
Nonprofit lender offering small business loans, microloans, and personal loans to Philadelphia-area entrepreneurs and residents, with emphasis on community impact over traditional credit metrics.
Best for: Philadelphia-based entrepreneurs and small business owners who may have fair or limited credit history, Business owners in economically distressed Philadelphia neighborhoods seeking community impact lenders
Ageras is an online marketplace connecting small businesses with accounting, bookkeeping, and tax preparation service providers.
Best for: Small business owners seeking to outsource accounting or bookkeeping functions, Businesses needing tax preparation services and wanting professional recommendations
All Commercial Capital structures customized commercial loan solutions for businesses, offering construction financing, bridge loans, and commercial real estate funding through a network of nationwide lenders.
Best for: Commercial real estate investors and owners seeking refinancing or cash-out loans on multi-unit properties, Construction companies and developers needing specialized financing for non-residential projects
Non-profit financial and housing empowerment organization serving Greater Philadelphia for 50+ years, offering free certified counseling to low- and moderate-income residents.
Best for: Low-to-moderate income residents in Southeastern Pennsylvania, New Jersey, or Delaware, Homeowners needing affordable home repair assistance or housing counseling
Non-profit financial counseling and housing empowerment service serving Greater Philadelphia's low- to moderate-income residents across PA, NJ, and Delaware since 1973.
Best for: Low- to moderate-income families in Greater Philadelphia region seeking free debt counseling without sales pressure, Homeowners needing assistance with affordable housing repairs and maintenance programs
Philadelphia-area non-profit providing free certified financial counseling, housing assistance, and benefits access to low- and moderate-income families across PA, NJ, and Delaware.
Best for: Low- to moderate-income families in Southeastern Pennsylvania, New Jersey, or Delaware needing comprehensive financial counseling, Homeowners requiring affordable repair assistance and financing guidance in the Delaware Valley region
Non-profit community development organization offering foreclosure prevention, homebuying assistance, and financial advancement programs in Philadelphia with HUD-certified counseling.
Best for: Philadelphia homeowners facing foreclosure seeking free HUD-approved counseling, Employees of participating companies looking for employer-assisted homebuying programs
Philadelphia plaintiff-side law firm exclusively representing bicycle crash victims in PA and NJ. Contingency fee — clients pay nothing unless the firm recovers compensation.
Best for: Cyclists in Pennsylvania or New Jersey who were injured in a crash caused by a motor vehicle driver, Cyclists hit by a driver who fled the scene and need help navigating Pennsylvania's hit-and-run fund
Mission-driven nonprofit providing mission-aligned financing, grants, and research to strengthen equitable communities across housing, education, food systems, and health.
Best for: Nonprofits and organizations working on housing, education, food access, or health equity projects, Early childhood education providers and K-12 charter schools seeking facility financing or expansion capital
Bank of America Financial Center in Kensington, Philadelphia offering full-service banking with walk-up ATM, appointment scheduling, and specialist guidance for personal and business financial needs.
Best for: Philadelphia residents and businesses already using Bank of America who prefer in-person specialist consultations, Small business owners needing commercial deposit services and business banking specialists
First Citizens Community Bank (FCCB) is an FDIC-insured bank offering personal and business checking, savings, mortgages, loans, and investment services through multiple channels.
Best for: Small business owners seeking comprehensive business banking and lending services, Agricultural customers needing specialized farm lending and agriculture expertise
Penn Credit Union is a Philadelphia-based credit union with two branches offering checking, savings, credit cards, and online banking via their Virtual Branch platform.
Best for: Philadelphia residents seeking a local not-for-profit credit union alternative to big banks, Students or families needing access to Sallie Mae student loans through a credit union
PSECU is a digital-first credit union offering checking, savings, personal loans, credit cards, certificates, and mortgages with competitive rates and member-focused service.
Best for: Eligible credit union members seeking comprehensive banking services with competitive personal loan rates, Consumers looking to consolidate debt through balance transfers with 0% promotional APR
Small community mutual savings bank in Philadelphia offering deposit products (savings, money market, CDs, IRAs) and residential real estate mortgages since 1924.
Best for: Philadelphia-area residents seeking safe, stable savings accounts with FDIC protection and personalized service, Real estate investors and homebuyers in the Philadelphia region looking for residential mortgage financing
Philadelphia-based credit union serving 6,000+ members since 2003 with two branch locations and basic banking services.
Best for: North Philadelphia residents seeking local, community-based banking relationships, Members prioritizing personal service and member-owned institutional structure
A Plus Precious Metals LLC buys gold, silver, and platinum in Philadelphia. They offer pickup, drop-off, curbside, and mailback services for precious metal sales.
Best for: Philadelphia-area residents with gold, silver, or platinum to sell, Customers preferring pickup service over traveling to a location
FirstCash is the leading international pawn shop operator with 3,300+ retail locations across the U.S., Latin America, and the UK, offering pawn loans secured by personal property and retail merchandise sales.
Best for: Individuals facing unexpected cash emergencies who have valuable items (jewelry, electronics, instruments) but lack credit access, Unbanked or underbanked consumers without credit history or recent negative credit events who need immediate funds
Lowill's Jewelers Associates Ltd. is a Philadelphia-based jewelry retailer and member of Jewelers of America since 1957, offering jewelry sales and related services.
Best for: Philadelphia-area consumers seeking to purchase jewelry from an established, professionally-affiliated retailer, Customers looking for jewelry services from a business with demonstrated long-term industry credibility
Philadelphia-based luxury watch and jewelry retailer since 1993, offering branded timepieces, jewelry sales, and expert repair services in Center City.
Best for: Philadelphia-area consumers seeking luxury watch and jewelry purchases for events or gifts, Jewelry owners needing professional repair and restoration services
Family-owned pawn shop in Philadelphia's Jeweler's Row buying and lending on jewelry, watches, gold, diamonds, and collectibles with state-regulated 3% monthly fees.
Best for: Individuals needing immediate emergency cash and holding valuable items they can temporarily part with, People with poor credit unable to qualify for traditional personal loans
Philadelphia-based buyer and reseller of pre-loved luxury watches, jewelry, handbags, and collectibles with 35+ years of history. Offers discounted luxury goods and buys high-end items directly from consumers.
Best for: Luxury watch and jewelry collectors looking to buy pre-owned items at discounted prices, Individuals with high-end watches, jewelry, handbags, or collectibles they want to sell quickly
7-Gates Credit Solutions offers credit repair and auditing services to help remove inaccurate items from credit reports and improve credit scores through dispute processes.
Best for: Consumers with inaccurate or outdated negative items on their credit reports, People who have been denied credit and want professional help identifying and disputing errors
750 Credit Group disputes errors and negative items on credit reports with a 150-point warranty guaranteeing results within 90 days or your money back.
Best for: Consumers with multiple errors or inaccurate negative items on credit reports seeking guaranteed dispute results, Individuals denied credit or facing higher interest rates who want rapid score improvement within 90 days
Super Lawyers directory listing top-rated bankruptcy and credit repair attorneys in Philadelphia, PA. Connects consumers with experienced lawyers for credit disputes, debt issues, and bankruptcy representation.
Best for: Philadelphia residents seeking qualified bankruptcy attorneys for Chapter 7 or Chapter 13 filing, Consumers with credit report errors or identity theft who want lawyer referrals rather than consumer credit repair companies
Philadelphia-based financial services firm offering credit repair through their 700 Program, tax preparation, and business services since 2017.
Best for: Philadelphia-area residents seeking combined tax preparation and credit repair from a single local provider, Self-employed individuals and small business owners needing both business tax filing and credit improvement
Consumer protection law firm specializing in credit reporting errors, debt collection harassment, and class action litigation. Offers aggressive representation against creditors and big business.
Best for: Consumers with documented credit reporting errors caused by creditor/bureau negligence who want legal recovery, Individuals being harassed by debt collectors seeking damages beyond basic cease-and-desist
Adam Kracht is a mortgage loan officer at CrossCountry Mortgage in Doylestown, PA, serving homebuyers and refinancers through a national lender network.
Best for: Pennsylvania homebuyers seeking local loan officer relationship with national lender backing, Borrowers wanting both digital application convenience and in-person mortgage consultation support
FIXnotes is a marketplace and platform for buying, selling, and investing in non-performing mortgage notes, serving both institutional and independent investors.
Best for: Real estate entrepreneurs and experienced investors seeking to build non-performing mortgage note portfolios, Institutional investors and capital partners looking for secondary market infrastructure and deal aggregation
Philadelphia-based mortgage broker offering home purchase and refinance loans through 30+ lenders, with emphasis on competitive rates, fast pre-approval, and personalized guidance.
Best for: Self-employed borrowers and non-traditional income earners needing flexible loan programs, VA loan borrowers seeking specialized guidance on residual income requirements
Lancaster Abstract & Escrow provides title services and real estate closing coordination for residential and commercial transactions in urban markets.
Best for: Urban buyers and sellers seeking localized real estate closing services in the Philadelphia area, Lenders and banks needing title services and closing coordination for mortgage transactions
ACE Cash Express offers small emergency loans, title loans, check cashing, and financial services with physical store locations across the US.
Best for: Consumers needing immediate cash access and willing to visit physical locations, Customers seeking bundled financial services (loans, check cashing, money transfers) in one place
ACE Cash Express offers small fast loans, title loans, check cashing, and financial services through physical store locations nationwide.
Best for: Consumers needing immediate cash who prefer in-person transactions at physical locations, Borrowers seeking title loans using vehicle collateral for quick funding
Payday Loans Cash is an online lending marketplace that connects Philadelphia borrowers with a network of 100+ lenders for fast personal loans and payday advances.
Best for: Borrowers with bad credit who cannot qualify for traditional bank loans, People facing unexpected immediate expenses who need cash within 24 hours
LendPlans is an online loan marketplace that connects borrowers with personal loan lenders offering up to $5,000 through a simple digital application process.
Best for: Borrowers seeking quick online personal loans under $5,000 who prefer not to visit physical locations, Applicants with non-prime credit seeking lenders willing to work with lower credit scores
Max Cash Advance is a loan marketplace that connects borrowers with third-party lenders offering personal loans up to $5,000 with fast approval decisions.
Best for: Borrowers with poor or fair credit seeking multiple lending options simultaneously, Individuals needing modest amounts ($1,000-$5,000) quickly for personal expenses
Online marketplace connecting borrowers to personal loan lenders offering $1,000–$5,000 loans with real-time lender matching and next-business-day funding.
Best for: Borrowers with fair to good credit seeking $1,000–$5,000 for emergency expenses (medical bills, car repairs, etc.), Applicants wanting faster processing than traditional banks and willing to accept marketplace lending terms
Freedom Debt Relief offers debt consolidation and resolution services to Philadelphia residents, helping simplify multiple debts into manageable payments through various consolidation strategies.
Best for: Philadelphia residents with multiple credit card balances across different creditors and varying interest rates, Homeowners with significant equity seeking to consolidate unsecured debt through home equity options
Federal student loan consulting firm offering repayment planning, consolidation, and default rehabilitation through free discovery calls and expert coaching.
Best for: Federal student loan borrowers in default or struggling with repayment who need structured guidance, Borrowers seeking income-driven repayment plan optimization and potential loan forgiveness strategies
J. Robayo Insurance & Multi Services Inc provides auto and homeowners insurance quotes in Philadelphia, emphasizing personalized service and comprehensive coverage guidance.
Best for: Philadelphia-area consumers seeking personalized guidance on auto or homeowners insurance, Insurance shoppers who want human assistance interpreting coverage options
Family-owned Philadelphia auto insurance agency since 1965, also offering PennDOT-authorized tag transfers and license services with military discounts.
Best for: Philadelphia-area residents seeking combined auto insurance and PennDOT administrative services from a trusted local provider, Military members, veterans, police, and fire personnel eligible for advertised service discounts
Cred.ai is a fintech company issuing premium credit and debit cards (Unicorn Card, SIREN Card) through WSFS Bank, positioning itself as a credit optimizer and banking infrastructure provider.
Best for: Consumers seeking premium card positioning and brand partnerships (e.g., Starbucks integration), Enterprise employers looking for customized employee financial solutions and card programs
Fast Cash ATM Services provides mobile and placement ATMs for events and businesses, handling all maintenance, compliance, and cash management without requiring upfront investment.
Best for: Retail and hospitality businesses seeking additional revenue without upfront ATM investment, Event organizers and venue operators needing temporary cash access solutions
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. HUD-approved counselors in Philadelphia offer free guidance at consumerfinance.gov.
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