Compare 5 credit repair companies, personal lenders, and financial services in Portland, Oregon. All independently reviewed with BBB ratings and pricing.
HUD-approved nonprofit housing counseling agency in Portland, Oregon offering free first-time homebuyer counseling, foreclosure prevention, and home repair assistance to underserved communities.
Best for: First-time homebuyers in the Portland area seeking free, certified counseling on the home purchase process, Portland homeowners facing foreclosure or mortgage hardship who need HUD-certified prevention counseling
Non-profit organization providing free community services including tobacco prevention, education, food sovereignty, and cultural programs for Native Americans in the Portland region.
Best for: Native Americans in the Portland/Pacific Northwest region seeking culturally-grounded health and education support, Community members wanting to quit commercial tobacco with Indigenous-centered cessation guidance
Portland nonprofit providing affordable rental housing, homeownership counseling, and resident services to low-income families in North/Northeast Portland since 1992.
Best for: Low-income Portland families seeking affordable rental housing in North/Northeast neighborhoods, First-time homebuyers in Portland ready to transition from renting to ownership
Latino-led nonprofit providing HUD-approved housing counseling, financial coaching, and affordable housing development across Oregon and Washington since 1992.
Best for: First-time homebuyers in Oregon/Washington seeking HUD-approved counseling and financial coaching, Homeowners facing foreclosure or default who need intervention and preservation assistance
Portland Housing Center is a nonprofit homeownership counselor offering mortgage lending, down payment assistance, and financial education to first-time homebuyers in the Portland area since 2003.
Best for: First-time homebuyers in Portland-Multnomah County with limited down payment savings, Teachers, veterans, first responders, and emergency service workers seeking down payment grants
HUD-approved nonprofit housing counseling agency in Portland, Oregon offering free first-time homebuyer counseling, foreclosure prevention, and home repair assistance to underserved communities.
Best for: First-time homebuyers in the Portland area seeking free, certified counseling on the home purchase process, Portland homeowners facing foreclosure or mortgage hardship who need HUD-certified prevention counseling
Non-profit organization providing free community services including tobacco prevention, education, food sovereignty, and cultural programs for Native Americans in the Portland region.
Best for: Native Americans in the Portland/Pacific Northwest region seeking culturally-grounded health and education support, Community members wanting to quit commercial tobacco with Indigenous-centered cessation guidance
Portland nonprofit providing affordable rental housing, homeownership counseling, and resident services to low-income families in North/Northeast Portland since 1992.
Best for: Low-income Portland families seeking affordable rental housing in North/Northeast neighborhoods, First-time homebuyers in Portland ready to transition from renting to ownership
Latino-led nonprofit providing HUD-approved housing counseling, financial coaching, and affordable housing development across Oregon and Washington since 1992.
Best for: First-time homebuyers in Oregon/Washington seeking HUD-approved counseling and financial coaching, Homeowners facing foreclosure or default who need intervention and preservation assistance
Portland Housing Center is a nonprofit homeownership counselor offering mortgage lending, down payment assistance, and financial education to first-time homebuyers in the Portland area since 2003.
Best for: First-time homebuyers in Portland-Multnomah County with limited down payment savings, Teachers, veterans, first responders, and emergency service workers seeking down payment grants
Oregon Consumer Protections: Oregon capped payday loan APR at 36% in 2007, drastically reducing high-cost lending in the state. The minimum 31-day term and APR cap make traditional payday lending impractical. Consumers can file complaints with the Division of Financial Regulation or the Attorney General.
Interest Rate Cap: Oregon usury cap: 36% APR cap on payday loans (2007 reform); 12% general usury. Payday lending is restricted.
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 Oregon Attorney General Consumer Protection.
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