Compare 6 credit repair companies, personal lenders, and financial services in Richmond, Virginia. All independently reviewed with BBB ratings and pricing.
Locus is a CDFI providing community development financing, credit enhancements, and ecosystem coordination to support small business growth, housing, clean energy, and food access across underserved communities.
Best for: Mission-driven nonprofits and community organizations seeking growth capital, Small businesses in underserved or low-income communities
Catholic nonprofit offering free housing & financial counseling, legal immigration services, and supportive programs across Virginia. NFCC-certified credit counseling available.
Best for: Virginia residents seeking free HUD-approved financial counseling combined with housing assistance and budgeting help, Immigrants and refugees needing legal immigration services, interpretation, and resettlement support alongside financial guidance
Virginia's longest continuously operating credit union since 1923, offering member-owned financial services with competitive loan rates and personalized service.
Best for: Virginia residents seeking competitive rates on auto loans, personal loans, and credit products, High school seniors eligible for the Ben Wilson Scholarship Program who are active credit union members
Virginia-based nonprofit fighting housing discrimination and providing fair housing advocacy, enforcement, and homebuyer assistance to ensure equal access to housing for all residents.
Best for: First-time homebuyers in Virginia seeking fair lending guidance, Renters or homeowners who suspect housing discrimination based on protected characteristics
NACA is a non-profit housing counselor providing character-based mortgages with no down payment, no closing costs, and no credit score consideration to low-to-moderate income borrowers.
Best for: Low-to-moderate-income first-time homebuyers with poor or no credit history, Borrowers of color and historically underserved communities facing credit discrimination
Non-profit community development organization offering affordable housing, financial counseling, and homeownership education to low- and moderate-income families in Central Virginia.
Best for: First-time homebuyers in Central Virginia seeking education and preparation, Low-to-moderate income families seeking affordable housing options in Richmond area
Catholic nonprofit offering free housing & financial counseling, legal immigration services, and supportive programs across Virginia. NFCC-certified credit counseling available.
Best for: Virginia residents seeking free HUD-approved financial counseling combined with housing assistance and budgeting help, Immigrants and refugees needing legal immigration services, interpretation, and resettlement support alongside financial guidance
Virginia-based nonprofit fighting housing discrimination and providing fair housing advocacy, enforcement, and homebuyer assistance to ensure equal access to housing for all residents.
Best for: First-time homebuyers in Virginia seeking fair lending guidance, Renters or homeowners who suspect housing discrimination based on protected characteristics
NACA is a non-profit housing counselor providing character-based mortgages with no down payment, no closing costs, and no credit score consideration to low-to-moderate income borrowers.
Best for: Low-to-moderate-income first-time homebuyers with poor or no credit history, Borrowers of color and historically underserved communities facing credit discrimination
Non-profit community development organization offering affordable housing, financial counseling, and homeownership education to low- and moderate-income families in Central Virginia.
Best for: First-time homebuyers in Central Virginia seeking education and preparation, Low-to-moderate income families seeking affordable housing options in Richmond area
Virginia's longest continuously operating credit union since 1923, offering member-owned financial services with competitive loan rates and personalized service.
Best for: Virginia residents seeking competitive rates on auto loans, personal loans, and credit products, High school seniors eligible for the Ben Wilson Scholarship Program who are active credit union members
Locus is a CDFI providing community development financing, credit enhancements, and ecosystem coordination to support small business growth, housing, clean energy, and food access across underserved communities.
Best for: Mission-driven nonprofits and community organizations seeking growth capital, Small businesses in underserved or low-income communities
Virginia Consumer Protections: Virginia enacted the Fairness in Lending Act in 2020, capping consumer loans at 36% APR and reforming the payday and title lending industry. Short-term loans are limited to $2,500 with reasonable terms. Consumers can file complaints with the Bureau of Financial Institutions or the Attorney General.
Interest Rate Cap: Virginia usury cap: 36% APR cap on consumer loans (Fairness in Lending Act, 2020); 12% general usury. Payday lending is restricted (max $2500).
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 Virginia Attorney General Consumer Protection Section.
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