Compare 98 credit repair companies, personal lenders, and financial services in Phoenix, Arizona. All independently reviewed with BBB ratings and pricing.
Nonprofit NFCC-certified credit counseling agency offering free initial consultations and paid Debt Management Plans to reduce interest rates on unsecured debt since 1987.
Best for: Consumers carrying $2,000–$500,000 in high-interest unsecured credit card debt seeking negotiated rate reductions, People overwhelmed by multiple credit card payments wanting one consolidated monthly payment
Agave Home Loans is a mortgage lender and broker offering conventional, VA, FHA, and home equity loans with an online application process and competitive rates across Arizona and beyond.
Best for: Veterans and active-duty service members seeking VA loans with 0% down and streamlined refinancing options, Borrowers with lower credit scores or complex credit histories seeking refinance or HELOC options
Mortgage broker representing 100+ lenders offering conventional, FHA, VA, jumbo, and alternative loan programs with same-day pre-qualification.
Best for: Borrowers with lower credit scores (580-620) seeking FHA loans rejected by conventional lenders, Real estate investors and non-owner occupied property buyers needing specialized loan programs
Arizona Financial Credit Union is a member-owned financial institution serving Arizona families and small businesses since 1936, offering banking, lending, and financial coaching services.
Best for: Arizona residents seeking relationship-based banking with local decision-makers and community involvement, First-time homebuyers needing guidance through the mortgage process with experienced loan officers
FirstCash is the leading international operator of pawn stores with 3,300+ locations across 29 U.S. states, the UK, and Latin America, offering pawn loans secured by personal property.
Best for: Cash-constrained consumers needing immediate funds who own valuable items to pledge, People with damaged credit or no credit history who cannot qualify for traditional loans
FirstCash is the leading international operator of pawn stores with 3,300+ locations across 29 U.S. states, the UK, and Latin America, offering pawn loans secured by personal property.
Best for: Consumers with valuable items who need emergency cash within 24 hours without credit approval, Individuals excluded from traditional banking who lack credit history or have poor credit scores
Agave Home Loans is a mortgage lender and broker offering conventional, VA, FHA, and home equity loans with an online application process and competitive rates across Arizona and beyond.
Best for: Veterans and active-duty service members seeking VA loans with 0% down and streamlined refinancing options, Borrowers with lower credit scores or complex credit histories seeking refinance or HELOC options
Mortgage broker representing 100+ lenders offering conventional, FHA, VA, jumbo, and alternative loan programs with same-day pre-qualification.
Best for: Borrowers with lower credit scores (580-620) seeking FHA loans rejected by conventional lenders, Real estate investors and non-owner occupied property buyers needing specialized loan programs
Phoenix-based mortgage lender offering conventional, FHA, VA, jumbo, and reverse mortgages with 20+ years local experience and A+ BBB rating.
Best for: Arizona homebuyers and existing homeowners seeking local mortgage expertise and personalized service, Veterans and active military seeking VA loan programs with local support
A Mortgage Central is a Phoenix-based mortgage lender offering purchase, refinance, and specialized loan programs with online applications and free consultations.
Best for: First-time homebuyers seeking personalized guidance and education through the mortgage process, Arizona residents seeking local mortgage lender with phone and in-person consultation options
Access Capital Group, Inc. (LoanGoal) is a mortgage lender offering VA, FHA, conventional, and specialty loans since 2001, with a focus on low credit score borrowers and first-time homebuyers.
Best for: First-time homebuyers with VA benefits seeking zero-down purchase loans, Borrowers with credit scores between 500-620 seeking FHA financing when conventional options are unavailable
Arizona Home Loan is a mortgage lender based in Phoenix offering home purchase, refinance, and investment property loans with personalized solutions tailored to borrowers' financial profiles.
Best for: Arizona-based homebuyers seeking purchase mortgages or refinancing with personalized service, Military service members and veterans looking for dedicated mortgage options
FirstCash is the leading international operator of pawn stores with 3,300+ locations across 29 U.S. states, the UK, and Latin America, offering pawn loans secured by personal property.
Best for: Cash-constrained consumers needing immediate funds who own valuable items to pledge, People with damaged credit or no credit history who cannot qualify for traditional loans
FirstCash is the leading international operator of pawn stores with 3,300+ locations across 29 U.S. states, the UK, and Latin America, offering pawn loans secured by personal property.
Best for: Consumers with valuable items who need emergency cash within 24 hours without credit approval, Individuals excluded from traditional banking who lack credit history or have poor credit scores
Family-owned Phoenix pawn shop with 35 years in business offering firearms, jewelry, precious metals, and electronics. Licensed firearms dealer with online shopping and interest-free layaway.
Best for: Phoenix-area residents seeking to pawn or sell firearms, jewelry, gold, or electronics with fair pricing, Customers needing interest-free layaway for purchases without breaking the bank
Locally-owned Phoenix pawn shop offering collateral-based loans on jewelry, electronics, vehicles, and other valuables, plus title loans with no credit check required.
Best for: Consumers with vehicles or valuable items who need emergency cash and have poor or no credit history, People facing immediate short-term cash shortfalls who can afford repayment within a pawn loan term
Pawn Now is a multi-location Arizona pawn shop offering loans, buying, and selling of jewelry, electronics, tools, instruments, and precious metals with no credit impact.
Best for: Individuals needing emergency cash ($500-$5,000+) who own valuable items and can repay within weeks, People with poor or no credit history who cannot qualify for traditional personal loans
Phoenix pawn shop Pawn1st at 25 W Baseline Rd offers quick cash for jewelry, electronics, and valuables.
Best for: Cash-constrained consumers who need immediate funds and own valuable items they can pledge as collateral, People with damaged credit or no credit history who cannot qualify for traditional bank loans
Arizona Financial Credit Union is a member-owned financial institution serving Arizona families and small businesses since 1936, offering banking, lending, and financial coaching services.
Best for: Arizona residents seeking relationship-based banking with local decision-makers and community involvement, First-time homebuyers needing guidance through the mortgage process with experienced loan officers
Banner Federal Credit Union is a member-owned financial institution serving Banner Health employees and families with competitive loan rates, deposit accounts, and digital banking services.
Best for: Banner Health employees and their families seeking member-owned financial institution benefits, Consumers looking for competitive auto, motorcycle, and RV financing with rates below 7%
Pima Federal Credit Union is a member-owned financial institution offering checking, savings, credit cards, home loans, and business banking services with local expertise and competitive rates.
Best for: First-time homebuyers seeking personalized guidance and local lending expertise, Small business owners needing comprehensive banking and merchant services
Arizona Financial Credit Union is a member-owned financial institution serving Arizona families and small businesses since 1936, offering checking, savings, loans, mortgages, and business services.
Best for: Arizona-based individuals and families seeking relationship-focused banking with local community engagement, Small business owners needing commercial checking, loans, and credit card services with local expertise
Desert Financial Credit Union operates multiple branches and ATMs across Phoenix, including campus locations at ASU and community colleges, offering comprehensive banking and lending services to members.
Best for: ASU students and faculty seeking convenient on-campus banking with extended hours and campus-located branches, First-time homebuyers in the Phoenix area interested in specialized mortgage programs and down payment assistance
Desert Financial is an Arizona-based credit union offering comprehensive banking, lending, and investment services to members across multiple Phoenix-area locations.
Best for: Arizona residents and students seeking full-service banking with convenient local branch access, First-time homebuyers in Phoenix interested in specialized mortgage programs and down payment assistance
Nonprofit NFCC-certified credit counseling agency offering free initial consultations and paid Debt Management Plans to reduce interest rates on unsecured debt since 1987.
Best for: Consumers carrying $2,000–$500,000 in high-interest unsecured credit card debt seeking negotiated rate reductions, People overwhelmed by multiple credit card payments wanting one consolidated monthly payment
Money Management International (MMI) is a nonprofit credit counselor offering free and low-cost debt management, bankruptcy, and housing counseling across the U.S., with HUD and NFCC certification.
Best for: Consumers seeking nonprofit credit counseling with verified institutional credibility and HUD/NFCC certification, Homebuyers, renters facing eviction, or those needing housing-related financial counseling with government backing
IRS-approved 501(c)(3) nonprofit credit counseling agency in Phoenix offering free debt management plans, credit counseling, and debt consolidation services.
Best for: Phoenix-area residents with $5,000+ in unsecured consumer debt seeking to consolidate multiple creditors into one payment, Consumers who are current or behind on payments and want to work with a nonprofit certified counselor
Phoenix-based Women's Business Center offering free SBA-backed business training, mentorship, and counseling to aspiring and existing entrepreneurs regardless of gender.
Best for: First-time entrepreneurs needing foundational business planning, entity formation, and mentorship, Women and minority business owners seeking culturally-relevant support and imposter syndrome coaching
NFCC-affiliated nonprofit offering free credit counseling, debt management plans, and financial education to help consumers eliminate unsecured debt without loans or settlement.
Best for: Consumers with $5,000-$100,000+ in credit card or unsecured debt seeking structured repayment without loans, Individuals wanting free, professional counseling before considering bankruptcy or debt settlement
HUD-certified nonprofit housing counselor and elder protection services organization in Arizona, offering free homebuyer education, mortgage counseling, and financial assistance for seniors.
Best for: Arizona residents (especially Tucson area) planning to purchase their first home and seeking expert, free guidance, Seniors concerned about reverse mortgage options and needing objective counseling before committing
Phoenix-based law firm specializing in bankruptcy counsel, debt negotiation, consumer litigation defense, and FDCPA violation claims.
Best for: Consumers facing active creditor lawsuits or aggressive debt collection who need immediate litigation defense, Individuals uncertain whether bankruptcy is necessary and seeking attorney counsel on alternatives like debt negotiation
Arizona bankruptcy attorney offering personalized Chapter 7 and Chapter 13 filing services, foreclosure assistance, and free consultations since 1991.
Best for: Arizona residents facing foreclosure or trustee sales seeking legal defense, Individuals and small business owners wanting personalized bankruptcy planning rather than mass-market processing
Phoenix-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with $0 down payment options and payment plans for Arizona residents.
Best for: Arizona residents facing Chapter 7 or Chapter 13 bankruptcy who cannot afford upfront attorney fees, Individuals experiencing wage garnishment, foreclosure, repossession, or creditor harassment seeking immediate debt relief
Arizona bankruptcy law firm specializing in Chapter 7, Chapter 13, and debt settlement services led by attorney Cy Hainey with 22+ years of financial experience.
Best for: Arizona residents facing wage garnishment, foreclosure, or eviction seeking immediate legal intervention, Debtors with multiple credit card and medical debts considering Chapter 7 liquidation
Phoenix-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, debt relief, and foreclosure defense for individuals and small businesses since 2000.
Best for: Arizona residents facing wage garnishment, foreclosure, or significant unsecured debt seeking full legal representation, Small business owners and self-employed individuals in Arizona dealing with business-related debt
Phoenix-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, debt collector lawsuits, and foreclosure defense led by attorney Shawn Louis Stone.
Best for: Phoenix-area residents facing wage garnishment, foreclosure, or repossession who need attorney-led bankruptcy representation, Homeowners considering short sales or foreclosure defense who benefit from attorney's real estate licensing and expertise
Cash Time Loan Centers Phoenix, AZ — Cash Time Loan Centers offers same-day title loans, personal loans, and registration loans in Phoenix with online a...
Best for: West Phoenix residents (Maryvale, Tolleson, West Valley areas) needing same-day emergency cash, Vehicle owners seeking title loans or title loan refinancing from other lenders
Phoenix, AZ CheckSmart at 1930 W Indian School Rd offers payday and title loans for quick cash solutions.
Best for: Vehicle owners facing immediate cash needs who cannot access traditional lending, Consumers with vehicle equity but poor credit history or limited documentation
Drive Now - Van Buren is a used car dealership in Phoenix offering buy-here-pay-here auto financing for customers with less than perfect credit.
Best for: Consumers with poor or fair credit seeking to purchase a used vehicle, Phoenix-area buyers who need convenient same-day or quick financing decisions
Max Cash offers online emergency loans from $250–$10,000+ in Phoenix, AZ with 24/7 application and same-day processing for borrowers with low credit scores.
Best for: Borrowers with poor or very low credit scores unable to qualify for traditional loans, Consumers seeking same-day or next-day emergency funding for immediate cash needs
Fast Auto Loans, Inc. Phoenix, AZ — Fast Auto Loans, Inc. offers title loans up to $15,000 and registration loans using vehicle collateral, with same-da...
Best for: Consumers with owned or nearly-paid vehicles needing $1,000–$5,000 in emergency funds, People with poor or no credit history unable to access traditional personal loans
Presto Title Loans Phoenix offers fast auto title loans ($200-$100,000) with same-day approval and funding, accepting vehicles as collateral regardless of credit history.
Best for: Vehicle owners facing sudden cash emergencies who own their car outright, Borrowers with poor credit seeking fast funding without credit checks
C&E Credit Solutions is a credit repair provider based in Phoenix, Arizona. Rated 4.9/5 with 114 Google reviews, reflecting exceptional customer satisfaction.
Best for: Consumers in Phoenix, Arizona looking for credit repair services, People who prefer working with a local credit repair provider
Go Clean Credit offers personalized credit repair and restoration services in Phoenix, AZ, using a client-centered approach that combines dispute resolution with credit education.
Best for: Phoenix-area residents seeking in-person or local credit repair services, Budget-conscious consumers willing to start with the free DIY app before committing to paid services
CreditUP & Co is a Phoenix-based credit repair service offering credit report audits and dispute services to help clients repair and build positive credit history.
Best for: Consumers with negative items on credit reports seeking professional dispute assistance, Individuals wanting to understand credit mechanics alongside repair services
Next Gen Credit Solutions disputes inaccurate negative items on credit reports under FCRA guidelines. They target collections, charge-offs, bankruptcies, and other damaging accounts for removal.
Best for: Consumers with multiple negative accounts (collections, charge-offs, late payments) who believe items are inaccurate or outdated, Individuals seeking professional dispute filing without handling correspondence with bureaus directly
Fast Track Specialists offers credit repair services through legally compliant dispute strategies targeting inaccurate items on credit reports. They claim customized approaches and results-driven processes backed by FCRA and FDCPA knowledge.
Best for: Consumers with inaccurate or unverifiable negative items on their credit reports seeking professional dispute assistance, Individuals seeking credit repair combined with financial education rather than score-only fixes
Anytime Credit Repair is a Phoenix-based credit repair company offering dispute services and credit restoration solutions to help consumers address negative items on their credit reports.
Best for: Arizona-based consumers seeking in-person credit repair consultation and dispute services, Individuals with errors on their credit reports looking for professional dispute assistance
AERO Financial is a local bank branch serving the Phoenix, Arizona area with personalized banking services, including checking, savings, and ATM access at their Deer Valley location near Honeywell.
Best for: Honeywell employees seeking convenient local banking near their workplace, Phoenix-area residents wanting personalized, face-to-face banking relationships
USAA Federal Savings Bank provides banking, insurance, and investment services exclusively to active military, veterans, and eligible family members.
Best for: Active duty military personnel and service members seeking integrated banking and insurance services, Veterans and military retirees wanting military-focused financial products and veteran-specific support
Western Alliance Bank is a national commercial bank offering business and personal banking services with specialized expertise across 30+ industries.
Best for: Established small to mid-size businesses seeking specialized industry expertise and personalized banking relationships, Companies in innovation sectors (tech, startups) through the Innovation Banking Group
Iconic Debt Relief negotiates unsecured debt settlements on behalf of clients, claiming to reduce debt up to 50% and offering 48-month programs with 24/7 account management.
Best for: Consumers with $5,000+ in unsecured debt (credit cards, medical, personal loans) seeking settlement without bankruptcy, Individuals overwhelmed by multiple creditor collections calls wanting centralized negotiation support
Phoenix-based tax debt resolution firm offering IRS negotiation services including payment plans, offer in compromise, wage garnishment removal, and back tax filing for individuals and businesses nationwide.
Best for: Self-employed individuals or business owners with multiple years of unfiled tax returns, Taxpayers facing active wage garnishment or passport restrictions due to IRS debt
Simula Financial offers debt settlement and consolidation services, helping clients reduce unsecured debt and become debt-free in 24-48 months with no upfront or monthly fees.
Best for: Consumers with $10,000+ in unsecured debt who can afford to stop paying creditors for 24-48 months, People willing to accept credit score damage in exchange for faster debt elimination
B.E. Lending provides private money loans for real estate investors and fix-and-flip projects, offering fast funding for time-sensitive deals when traditional financing isn't available.
Best for: Real estate investors needing quick capital for fix-and-flip projects, Developers and house flippers with time-sensitive auction or closing deadlines
Integro Bank is a community-focused bank specializing in small business financing and consulting services through their proprietary Integro360™ platform.
Best for: Small business owners seeking strategic financial consulting alongside financing, Companies looking for a bank partner focused on long-term growth rather than transactional lending
Checkmate Phoenix, AZ — Checkmate offers check cashing and complete loan solutions for consumers needing quick access to cash and financial services.
Best for: Consumers without bank accounts who regularly receive paper checks and need immediate access to funds, Individuals seeking both check cashing and small loan products from a single provider
Phoenix, AZ residents can visit PLS Check Cashers at 5808 S Central Ave Ste 101 for fast check cashing and financial services.
Best for: Unbanked and underbanked consumers needing check cashing, bill pay, and money transfer services without traditional bank accounts, Arizona residents requiring driver's license, vehicle registration, or license plate services who prefer private third-party provider over DMV
Don Dinero Financial offers installment loans, personal loans, and credit builder loans in Phoenix, Arizona, with fast approval and flexible payment terms.
Best for: Phoenix-area borrowers seeking alternatives to payday loans with flexible repayment, Consumers wanting to build credit while accessing needed funds
Southwest Financial of Phoenix offers personal loans, car loans, and specialty financing (furniture, vacation, holiday) with emphasis on competitive rates and personalized service.
Best for: Phoenix-area residents seeking personalized lending with direct relationship-based service, Spanish-speaking borrowers who prefer bilingual customer service
CardConnect Paradise is a merchant services provider offering credit card processing solutions for businesses of all sizes, with competitive rates starting at 0.25% and same-day approval.
Best for: Small to mid-sized businesses currently accepting credit cards seeking lower processing rates and faster funding, Retailers and service providers already using QuickBooks who need seamless POS integration
Credit Rent Boost reports verified monthly rent payments to all three major credit bureaus, helping renters build credit history without a hard inquiry for $6.95/month.
Best for: Renters with limited credit history or no credit file seeking to establish an initial credit profile, Tenants paying rent in cash or via methods not traditionally reported to credit bureaus
AI-powered credit monitoring and building platform offering free credit score tracking, dispute support, and credit building tools with optional premium features.
Best for: Consumers with limited credit history who want to build credit activity through a tradeline without high costs, Individuals with errors or negative items on credit reports seeking affordable AI-assisted dispute support
Unable to verify company details due to website access restriction (403 error). Cannot confirm if PRESTAMOS CDFI, LLC operates as a legitimate CDFI or payday alternative lender.
Best for: Consumers in Phoenix, Arizona looking for credit repair services, People who prefer working with a local credit repair provider
Arizona Consumer Protections: Arizona banned payday lending in 2010, providing strong consumer protections against high-cost short-term loans. Consumer loans are capped at 36% APR under state law. Residents can file complaints with the Department of Insurance and Financial Institutions or the Attorney General's Consumer Protection Division.
Interest Rate Cap: Arizona usury cap: 36% APR cap on consumer loans; payday lending banned since 2010. 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 Arizona Attorney General Consumer Protection Division.
Our editors reviewed hundreds of companies to find the best options nationwide.
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