Saint Louis, MO

Credit Repair & Financial Services in Saint Louis

Review 20 credit repair companies, personal lenders, and financial services in Saint Louis, Missouri. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Free Help (9) Banks (8) Credit Unions (2) Mortgages & Home Loans (1)
Missouri avg credit score: 703 Median income: $65,920 Poverty rate: 12.1% Payday loans: Legal Missouri overview →

Featured Provider Profiles in Saint Louis

20 companies
Better Family Life, Inc. logo

Better Family Life, Inc.

St. Louis-based 501(c)(3) nonprofit community development corporation offering free comprehensive services including financial counseling, workforce development, and family support to 50,000+ low-income residents annually.

BBB: NR

Profile signals: Low-income Saint Louis residents seeking free comprehensive community services beyond standalone financial counseling, Families needing coordinated support across multiple life domains (housing, employment, youth services, family counseling)

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Beyond Housing logo

Beyond Housing

Beyond Housing is a comprehensive community development nonprofit serving the St. Louis region with affordable housing, education, health, and employment support programs.

BBB: NR

Profile signals: St. Louis-area residents experiencing housing instability combined with employment and education barriers who need coordinated support, First-time homebuyers in the St. Louis region seeking education, down payment assistance, and ongoing financial advising

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Commercial Bank logo

Commercial Bank

Commercial Bank is a community bank offering checking, savings, credit cards, business loans, and mortgage services with a focus on high-yield deposit accounts and nationwide ATM access.

BBB: NR

Profile signals: Consumers seeking high-yield checking accounts with competitive cash back rewards, Small business owners needing personalized lending and convenient deposit solutions

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Community Action Agency of St. Louis County, Inc. (Caastlc) logo

Community Action Agency of St. Louis County, Inc. (Caastlc)

Non-profit community action agency in St. Louis County offering free assistance to help low-income families transition from poverty to self-sufficiency through stabilization and empowerment services.

BBB: NR

Profile signals: Low-income families in St. Louis County seeking free financial stability assistance, Individuals experiencing poverty-related hardship with no resources for paid services

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Edward Jones Trust Company logo

Edward Jones Trust Company

Edward Jones is a financial advisory firm offering personalized wealth management, investment strategies, and financial planning through a network of local financial advisors.

BBB: NR

Profile signals: Investors seeking personalized wealth management and investment strategy from a local advisor, Individuals planning for retirement who want comprehensive financial planning guidance

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Health Care Family logo

Health Care Family

Unity Financial Credit Union (formerly Healthcare Financial) is a Connecticut-based credit union serving New Haven, Fairfield, and Middlesex counties, plus healthcare workers nationwide, with auto loans, credit cards, and savings products.

BBB: NR

Profile signals: Connecticut residents (New Haven, Fairfield, Middlesex counties) seeking auto financing and community banking, Healthcare workers anywhere needing competitive loan rates and membership benefits

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Free Help in Saint Louis

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Better Family Life, Inc. logo

Better Family Life, Inc.

St. Louis-based 501(c)(3) nonprofit community development corporation offering free comprehensive services including financial counseling, workforce development, and family support to 50,000+ low-income residents annually.

BBB: NR

Profile signals: Low-income Saint Louis residents seeking free comprehensive community services beyond standalone financial counseling, Families needing coordinated support across multiple life domains (housing, employment, youth services, family counseling)

View Details
Beyond Housing logo

Beyond Housing

Beyond Housing is a comprehensive community development nonprofit serving the St. Louis region with affordable housing, education, health, and employment support programs.

BBB: NR

Profile signals: St. Louis-area residents experiencing housing instability combined with employment and education barriers who need coordinated support, First-time homebuyers in the St. Louis region seeking education, down payment assistance, and ongoing financial advising

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Community Action Agency of St. Louis County, Inc. (Caastlc) logo

Community Action Agency of St. Louis County, Inc. (Caastlc)

Non-profit community action agency in St. Louis County offering free assistance to help low-income families transition from poverty to self-sufficiency through stabilization and empowerment services.

BBB: NR

Profile signals: Low-income families in St. Louis County seeking free financial stability assistance, Individuals experiencing poverty-related hardship with no resources for paid services

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Justine Petersen Housing and Reinvestment Corporation logo

Justine Petersen Housing and Reinvestment Corporation

Missouri-based nonprofit CDFI providing credit building, housing assistance, and small business lending to low-to-moderate income individuals and families.

BBB: NR

Profile signals: Low-to-moderate income small business owners in the St. Louis region seeking startup or expansion capital, First-time homebuyers preparing for homeownership or struggling with mortgage retention

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The Housing Partnership, Inc. logo

The Housing Partnership, Inc.

HUD-approved nonprofit housing counselor and community housing development organization serving the St. Louis/Lemay area since 1998, offering free homebuyer education and down payment assistance.

BBB: NR

Profile signals: First-time homebuyers in the St. Louis/Lemay area seeking free, HUD-certified counseling and education, Lemay residents needing home repair assistance or property maintenance support through volunteer programs

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Urban League of Metropolitan Saint Louis Inc - Ferguson Community Empowerment Center logo

Urban League of Metropolitan Saint Louis Inc - Ferguson Community Empowerment Center

HUD-certified nonprofit housing counselor serving St. Louis metro with free pre/post-purchase counseling, foreclosure prevention, and rental assistance programs.

BBB: NR

Profile signals: First-time homebuyers in St. Louis metro seeking free HUD-certified pre-purchase counseling and financial education, Current homeowners facing foreclosure or mortgage default seeking loss mitigation counseling and financial alternatives

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Banks in Saint Louis

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Commercial Bank logo

Commercial Bank

Commercial Bank is a community bank offering checking, savings, credit cards, business loans, and mortgage services with a focus on high-yield deposit accounts and nationwide ATM access.

BBB: NR

Profile signals: Consumers seeking high-yield checking accounts with competitive cash back rewards, Small business owners needing personalized lending and convenient deposit solutions

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Edward Jones Trust Company logo

Edward Jones Trust Company

Edward Jones is a financial advisory firm offering personalized wealth management, investment strategies, and financial planning through a network of local financial advisors.

BBB: NR

Profile signals: Investors seeking personalized wealth management and investment strategy from a local advisor, Individuals planning for retirement who want comprehensive financial planning guidance

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Royal Banks of Missouri logo

Royal Banks of Missouri

Review this provider profile and compare source-linked details before choosing what to do next.

BBB: NR

Profile signals: Local banking with personal service, Review this provider profile and compare source-linked details before choosing what to do next.

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St. Johns Bank and Trust Company logo

St. Johns Bank and Trust Company

Community-oriented bank serving northwestern St. Louis and St. Charles Counties with personal and business banking, mortgages, and lending products.

BBB: NR

Profile signals: Individuals and families in northwestern St. Louis and St. Charles Counties seeking community-oriented banking, Small and medium-sized businesses requiring personalized business banking and cash management services

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St. Louis Bank logo

St. Louis Bank

Saint Louis Bank is a regional community bank offering personal and business banking services with a focus on local relationships and regional growth.

BBB: NR

Profile signals: St. Louis and Edwardsville area residents and business owners seeking relationship-based banking, Small to mid-sized business owners needing business loans and cash management services

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Stifel Bank and Trust logo

Stifel Bank and Trust

Stifel Bank & Trust is a relationship-focused bank offering customized banking, lending, and trust services for businesses, entrepreneurs, and individuals, integrated with Stifel's broader financial advisor network.

BBB: NR

Profile signals: Business owners and entrepreneurs seeking customized lending and banking solutions integrated with investment advisory, High-net-worth individuals wanting coordinated trust services, banking, and wealth management

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Credit Unions in Saint Louis

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Health Care Family logo

Health Care Family

Unity Financial Credit Union (formerly Healthcare Financial) is a Connecticut-based credit union serving New Haven, Fairfield, and Middlesex counties, plus healthcare workers nationwide, with auto loans, credit cards, and savings products.

BBB: NR

Profile signals: Connecticut residents (New Haven, Fairfield, Middlesex counties) seeking auto financing and community banking, Healthcare workers anywhere needing competitive loan rates and membership benefits

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Together logo

Together

Together Credit Union is a member-owned, not-for-profit financial institution offering checking, savings, loans, and mortgages with rate claims to verify and personalized service to its members.

BBB: NR

Profile signals: Members seeking competitive savings and CD rates with long-term banking relationships, Auto loan borrowers looking for rates below 5% APR

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Mortgages & Home Loans in Saint Louis

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Nsc (Naca Counseling Subsidiary) - St. Louis, MO logo

Nsc (Naca Counseling Subsidiary) - St. Louis, MO

NACA offers character-based mortgages with no down payment, no closing costs, and no mortgage insurance, prioritizing affordability over credit scores for homebuyers.

BBB: NR

Profile signals: First-time homebuyers with poor credit scores or limited credit history who cannot qualify for conventional loans, Lower-income borrowers unable to save for down payment or afford closing costs

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Your Rights in Missouri

Missouri Consumer Protections: Missouri allows payday lending with relatively permissive regulations including up to 6 renewals. The fee cap of 75% of the loan amount results in very high effective APRs. The Division of Finance regulates consumer lenders, and complaints can be filed with the Division or the Attorney General.

Interest Rate Cap: Missouri usury cap: No cap for licensed lenders; payday loans capped at $500 with fees up to $75.

Key Regulations:
  • Payday loans capped at $500 with maximum fee of 75% of the original loan amount.
  • Maximum loan term is 14-31 days.
  • Borrowers may renew up to 6 times, but principal must decrease by 5% with each renewal.
  • Licensed consumer lenders face no general interest rate cap.

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 Missouri Attorney General Consumer Protection Division.

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