Compare 82 credit repair companies, personal lenders, and financial services in Phoenix, Arizona. All independently reviewed with BBB ratings and pricing.
American Credit Repair uses pre-litigation processes to dispute negative items on credit reports, claiming to raise scores up to 100+ points. Veteran-owned firm offering free consultations and credit analysis.
Best for: Consumers preparing for major purchases like home buying or refinancing who need credit score improvement, Individuals with multiple derogatory items on their credit reports seeking professional dispute assistance
Arizona-based bankruptcy law firm founded by Nathan J. Brelsford, a tax attorney admitted to U.S. Tax Court, handling Chapter 7, Chapter 13, and IRS tax resolution cases.
Best for: Arizona residents filing Chapter 7 or Chapter 13 bankruptcy who need personalized, responsive attorney representation, Taxpayers with complex IRS debt who also need bankruptcy filing, benefiting from attorney's dual tax and bankruptcy expertise
Bassey Solutions offers a free online portal for generating credit repair letters and tracking progress, with optional premium features.
Best for: DIY consumers comfortable managing their own credit disputes without professional guidance, Users seeking a low-cost or free tool to organize and track dispute letters
InterCambio Express is an international money transfer service offering online and in-person money transfers to 19+ countries, bill payment, and mobile phone top-ups through 70,000+ agent locations.
Best for: Spanish-speaking immigrants sending money to family in Latin America, Customers without traditional bank accounts needing bill payment services
Unable to verify company profile. Website is access-restricted and returns a Cloudflare bot-detection page rather than company information.
Cash Loans Experts offers same-day car title loans up to $50,000, allowing borrowers to access funds using vehicle equity while keeping their car.
Best for: Vehicle owners facing genuine short-term emergencies with no other credit access, Self-employed or gig workers without stable income documentation for traditional loans
InterCambio Express is an international money transfer service offering online and in-person money transfers to 19+ countries, bill payment, and mobile phone top-ups through 70,000+ agent locations.
Best for: Spanish-speaking immigrants sending money to family in Latin America, Customers without traditional bank accounts needing bill payment services
DolEx Dollar Express provides check cashing, money orders, wire transfers, and bill payment services at their Phoenix location with extended hours.
Best for: Unbanked or underbanked consumers needing immediate check-to-cash conversion, Working professionals requiring evening or weekend financial transaction services
MoneyGram is a money transfer service with 48+ locations across Phoenix, offering domestic and international transfers through partner retailers like CVS, Walmart, and check-cashing stores.
Best for: Consumers sending or receiving domestic money transfers who value convenience and extended hours, International money transfer users already shopping at CVS or Walmart
MoneyGram is a money transfer service offering domestic and international sending/receiving capabilities through multiple agent locations including check cashers, retailers, and specialty shops.
Best for: Unbanked or underbanked consumers in Phoenix who need reliable money transfer access, Individuals sending money to family members internationally or domestically
Walmart Money Center offers check cashing, money orders, wire transfers, and bill payment services at Walmart store locations nationwide, providing accessible financial services for unbanked and underbanked consumers.
Best for: Unbanked and underbanked consumers without traditional bank accounts who need check cashing, Walmart shoppers seeking to handle financial transactions during regular shopping trips
Western Union is a global money transfer and payment services company offering wire transfers, cash pickup, bill payment, and mobile top-up through 150+ agent locations in Phoenix alone.
Best for: Unbanked and underbanked individuals needing cash access and money transfer services without traditional bank accounts, International remittance senders supporting family and friends overseas with reliable cross-border payment corridors
Unable to verify company profile. Website is access-restricted and returns a Cloudflare bot-detection page rather than company information.
Cash Loans Experts offers same-day car title loans up to $50,000, allowing borrowers to access funds using vehicle equity while keeping their car.
Best for: Vehicle owners facing genuine short-term emergencies with no other credit access, Self-employed or gig workers without stable income documentation for traditional loans
Swift Bad Credit Loans is a loan marketplace connecting applicants with lenders offering small personal loans ($100-$5,000) with fast funding, typically within 24-48 hours.
Best for: Borrowers with poor credit seeking emergency cash access quickly, Individuals with unexpected expenses who need funds within 24-48 hours
TitleMax provides same-day title loans and lines of credit secured by vehicle titles across multiple states. Memphis location offers fast cash approval for most credit types.
Best for: Vehicle owners facing unexpected emergencies needing cash within 24 hours, Consumers with damaged credit who cannot qualify for traditional bank loans
Online marketplace connecting borrowers to a network of lenders offering small loans ($100–$5,000) with same-day to next-business-day funding for emergency cash needs.
Best for: Consumers with urgent emergency expenses (medical bills, car repairs) and limited time to shop multiple lenders, Borrowers with poor or fair credit unable to qualify for traditional bank loans or credit union loans
ACE Cash Express offers payday loans, title loans, check cashing, and money transfers with physical store locations across multiple states.
Best for: Consumers needing immediate cash with physical store access in their area, Customers who prefer in-person financial services over purely online platforms
Gold King Bullion buys and sells precious metals (gold, silver, platinum) across 10 Arizona locations with competitive spot pricing and on-site electronic testing.
Best for: Arizona residents who want to liquidate gold, silver, or jewelry quickly with same-day cash payment without shipping, Local buyers seeking in-person verification of precious metals purity using advanced testing equipment
TitleMax offers car and motorcycle title loans using your vehicle as collateral, with 30-minute approvals, no credit check, and 1,000+ store locations across 16 states.
Best for: Consumers with poor or no credit history who own a paid-off car or motorcycle outright, Individuals needing same-day cash who have been declined by banks, credit unions, or online lenders
Arizona-based precious metals buyer and seller with 10 Valley locations offering competitive gold, silver, platinum, and coin pricing with on-site electronic testing.
Best for: Arizona residents seeking to sell bullion/gold jewelry locally without shipping costs or delays, Precious metals investors preferring immediate cash settlement over mailed payment
Family-owned pawn shop and auction house in Phoenix, AZ that buys, sells, and trades gold, silver, firearms, jewelry, and collectibles with over 40 years of combined industry experience.
Best for: People needing immediate cash against valuable collateral (jewelry, electronics, tools, firearms), Individuals liquidating precious metals, antiques, or collectibles outside traditional retail channels
FirstCash is the leading international pawn shop operator with 3,300+ locations across the U.S., UK, and Latin America, offering pawn loans secured by personal property and retail merchandise sales.
Best for: Consumers with valuable personal property who need emergency cash within hours, Unbanked or credit-constrained individuals without access to traditional credit
Unable to generate profile: Website content unavailable. The target URL returned only Cloudflare security verification pages with no accessible business information.
Arizona-based bankruptcy law firm founded by Nathan J. Brelsford, a tax attorney admitted to U.S. Tax Court, handling Chapter 7, Chapter 13, and IRS tax resolution cases.
Best for: Arizona residents filing Chapter 7 or Chapter 13 bankruptcy who need personalized, responsive attorney representation, Taxpayers with complex IRS debt who also need bankruptcy filing, benefiting from attorney's dual tax and bankruptcy expertise
Get It Done Law is a nationwide legal services network offering bankruptcy, DUI, traffic, criminal, family, personal injury, and employment law assistance through licensed attorneys.
Best for: Consumers seeking bankruptcy counsel in states where Get It Done Law has partner attorneys, Clients with multiple legal issues (bankruptcy plus personal injury, family law, or employment matters) who prefer single-point coordination
Phoenix-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with zero-down payment options and free consultations for Arizona residents.
Best for: Arizona residents with significant unsecured debt (credit cards, medical bills) seeking Chapter 7 liquidation, Individuals facing wage garnishment who need immediate intervention through bankruptcy filing
Allan D. NewDelman, P.C. is a Phoenix-based bankruptcy law firm specializing in Chapter 7 bankruptcy representation for individuals seeking debt relief.
Best for: Phoenix-area individuals with unsecured debt seeking Chapter 7 bankruptcy discharge, Debtors wanting local representation familiar with Arizona courts and regional bankruptcy procedures
Phoenix Fresh Start Bankruptcy Attorneys provides Chapter 7 and Chapter 13 bankruptcy filing services with affordable payment plans and included credit repair assistance across Arizona.
Best for: Arizona residents facing unmanageable unsecured debt with limited ability to pay large attorney retainers upfront, Homeowners or vehicle owners in Arizona facing foreclosure or repossession who may benefit from Chapter 13 protection
Debt defense law firm specializing in lawsuit and judgment defense for consumers facing creditor litigation, operating in Texas, Florida, and Arizona.
Best for: Consumers in Texas, Florida, or Arizona who have been formally served with a debt lawsuit, Debtors facing judgment collection attempts seeking affordable flat-fee legal representation
Republic Financial Services specializes in timeshare and solar contract exit services, helping clients permanently terminate unwanted contracts with no upfront fees and money-back guarantees.
Best for: Consumers trapped in timeshare contracts paying escalating maintenance fees with no exit strategy, Homeowners locked into unfavorable solar panel leases or loan agreements seeking legal termination
Tax representation firm led by Enrolled Agent Mike Habib specializing in IRS tax debt settlement, wage garnishment release, and back tax negotiation for Phoenix-area and nationwide clients.
Best for: Self-employed and business owners with unpaid payroll taxes (941 issues) or TFRP liability, Individuals facing wage garnishment, bank levies, or IRS tax liens requiring immediate action
Phoenix law firm offering tax law, IRS audit defense, business law, and litigation. Founding attorney holds JD, CPA, MTAX, and EA credentials. Licensed in AZ and CA.
Best for: Arizona or California individuals facing IRS audits, tax penalties, or tax litigation, Small to mid-sized businesses needing integrated tax, business law, and litigation support
Timeshare Help Center specializes in timeshare contract cancellation and exit services, helping clients escape unwanted vacation property obligations while protecting their credit.
Best for: Consumers locked in long-term timeshare contracts with escalating maintenance fees seeking a legal exit strategy, Timeshare owners concerned about credit damage from traditional debt-relief or exit company approaches
Midland Credit Management is a debt collections and resolution company that helps consumers negotiate settlements on past-due debts across all 50 states.
Best for: Consumers with past-due debts seeking negotiated settlements through an established provider, People in all 50 states needing debt resolution services with national geographic reach
Phoenix-based debt relief enrollment service offering settlement, consolidation, and credit counseling programs tailored to individual financial situations.
Best for: Consumers with mixed debt types seeking personalized guidance on which relief strategy fits their situation, Individuals with credit report errors who want to dispute negative marks across all three bureaus
RDF is a CDFI providing flexible financing, tax credit programs, and technical assistance to nonprofits and community organizations in health, education, housing, and entrepreneurship.
Best for: Nonprofit health centers and medical clinics seeking capital for expansion, Charter schools and education nonprofits needing facilities financing
Trade association for Arizona private money lenders offering real estate-secured loans. Connects borrowers with member lenders through a centralized loan request platform.
Best for: Commercial real estate investors and developers seeking fast, non-traditional financing secured by property collateral, Borrowers unable to qualify for traditional bank mortgages who need multiple private lender quotes simultaneously
PCDIC is a community development corporation offering loans and grants to nonprofits and small businesses in underserved Phoenix and Maricopa County areas.
Best for: Nonprofit organizations serving vulnerable populations in Phoenix/Maricopa County underserved areas, Small businesses with community development missions in designated low-income communities
SecurityNational Mortgage Company loan officer Martha Rodriguez offers mortgage lending services in Phoenix, AZ, specializing in conventional, FHA, VA, and jumbo loans with bilingual support.
Best for: Hispanic homebuyers seeking bilingual mortgage support and community-focused guidance, First-time homebuyers needing pre-qualification and educational resources
Capital Fund 1 is a hard money lender specializing in 6- and 12-month fix-and-flip loans for real estate investors in Phoenix and multiple states, with 24-hour approval turnaround and asset-based underwriting.
Best for: Experienced real estate investors with identified fix-and-flip properties and strong exit strategies, Investors who need rapid funding (within 24-48 hours) for time-sensitive property acquisitions at auctions or sales
Arizona-based mortgage broker operating since 1998, offering conventional, FHA, VA, jumbo, and reverse mortgages throughout Arizona with licensed loan officers.
Best for: Arizona homebuyers and refinancers seeking personalized service over automated processes, Military borrowers and first-time homebuyers eligible for government-backed loan programs
Mariner Finance offers personal loans up to $50K for debt consolidation, home improvement, vacations, and other expenses through physical branch locations across the U.S.
Best for: Borrowers in areas with Mariner Finance physical branch locations who prefer face-to-face consultations, Consumers seeking debt consolidation with flexible loan amounts and terms
Oportun offers personal loans with flexible payment options at physical retail locations nationwide, including secured loans backed by vehicle equity.
Best for: Unbanked or underbanked consumers preferring cash-based payments at retail locations, Applicants with vehicles seeking secured loans backed by car equity
Yrefy is a specialty finance lender focused on refinancing distressed private student loans for borrowers with lower credit scores who cannot qualify elsewhere.
Best for: Borrowers with defaulted private student loans and credit scores too low for conventional refinancers, Distressed borrowers seeking to exit default status and rehabilitate their loan standing
FDIC-insured bank established in 1901 offering checking, savings, mortgages, auto loans, and credit cards with personalized service across Texas.
Best for: Texas residents seeking FDIC-insured banking with established local branch presence, Borrowers interested in auto loans with deferred payment options to manage cash flow
Chase Bank is a major national bank offering checking, savings, credit cards, home loans, auto financing, and investment services through branches and ATMs.
Best for: Consumers seeking a full-service banking relationship with multiple financial products under one roof, Customers who value widespread branch and ATM access for frequent in-person banking needs
American Credit Repair uses pre-litigation processes to dispute negative items on credit reports, claiming to raise scores up to 100+ points. Veteran-owned firm offering free consultations and credit analysis.
Best for: Consumers preparing for major purchases like home buying or refinancing who need credit score improvement, Individuals with multiple derogatory items on their credit reports seeking professional dispute assistance
Bassey Solutions offers a free online portal for generating credit repair letters and tracking progress, with optional premium features.
Best for: DIY consumers comfortable managing their own credit disputes without professional guidance, Users seeking a low-cost or free tool to organize and track dispute letters
Clearinghouse CDFI is a mission-driven Community Development Financial Institution offering direct lending, equity investments, and financial assistance to underserved communities and organizations nationwide.
Best for: Nonprofits and social enterprises developing community facilities or affordable housing, Small businesses and organizations serving low-income or underserved communities
Faith-based nonprofit providing free tax preparation, affordable housing development, financial wellness, and community services to low-to-moderate income families across Phoenix's Canyon Corridor and Maricopa County.
Best for: Low-to-moderate income filers and seniors needing free IRS-certified tax preparation (VITA eligible individuals), Working families and 'missing middle' households seeking affordable homeownership in the Phoenix Canyon Corridor area
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 Phoenix offer free guidance at consumerfinance.gov.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to products and services featured on this page. Our editorial team independently reviews all services. Learn more.