Compare 5 credit repair companies, personal lenders, and financial services in Saint Paul, Minnesota. All independently reviewed with BBB ratings and pricing.
NeighborWorks Home Partners provides non-profit housing counseling and financial education to help consumers build wealth and achieve homeownership through HUD-approved programs.
Best for: First-time homebuyers seeking HUD-approved mortgage readiness counseling, Individuals with credit challenges wanting non-profit financial guidance without pressure
NFCC-certified nonprofit financial counseling service offering free, confidential budget, debt management, and housing counseling for over 35 years.
Best for: Minnesota residents with high-interest debt seeking free budget and debt management counseling, Homeowners facing foreclosure or interested in reverse mortgage options
Non-profit homebuyer counselor offering HUD-approved financial coaching, homebuyer education, and foreclosure prevention to low-income Twin Cities families.
Best for: First-time homebuyers in the Twin Cities with low-to-moderate income seeking free HUD-approved coaching, Latino families and first-generation homebuyers building credit and financial stability for home purchase
Non-profit legal aid organization providing free civil legal services to low-income residents of Southern Minnesota across family law, housing, immigration, and other matters.
Best for: Low-income individuals facing eviction or housing disputes in Southern Minnesota, Parents involved in custody disputes or seeking protection orders
FDIC-insured bank offering checking, savings, CDs, loans, mortgages, and digital banking services to consumers and small businesses.
Best for: Small business owners seeking SBA lending and commercial banking relationships, Homeowners looking to leverage equity through HELOCs or mortgages
NeighborWorks Home Partners provides non-profit housing counseling and financial education to help consumers build wealth and achieve homeownership through HUD-approved programs.
Best for: First-time homebuyers seeking HUD-approved mortgage readiness counseling, Individuals with credit challenges wanting non-profit financial guidance without pressure
NFCC-certified nonprofit financial counseling service offering free, confidential budget, debt management, and housing counseling for over 35 years.
Best for: Minnesota residents with high-interest debt seeking free budget and debt management counseling, Homeowners facing foreclosure or interested in reverse mortgage options
Non-profit homebuyer counselor offering HUD-approved financial coaching, homebuyer education, and foreclosure prevention to low-income Twin Cities families.
Best for: First-time homebuyers in the Twin Cities with low-to-moderate income seeking free HUD-approved coaching, Latino families and first-generation homebuyers building credit and financial stability for home purchase
Non-profit legal aid organization providing free civil legal services to low-income residents of Southern Minnesota across family law, housing, immigration, and other matters.
Best for: Low-income individuals facing eviction or housing disputes in Southern Minnesota, Parents involved in custody disputes or seeking protection orders
FDIC-insured bank offering checking, savings, CDs, loans, mortgages, and digital banking services to consumers and small businesses.
Best for: Small business owners seeking SBA lending and commercial banking relationships, Homeowners looking to leverage equity through HELOCs or mortgages
Minnesota Consumer Protections: Minnesota allows payday lending with a $350 cap, tiered fee structure, and a minimum 30-day term requirement. The Department of Commerce regulates all consumer lenders. Consumers benefit from the Minnesota Consumer Fraud Act and can file complaints with the Department of Commerce or Attorney General.
Interest Rate Cap: Minnesota usury cap: 8% default; payday loans capped at $350 with tiered fees.
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 Minnesota Attorney General Consumer Protection Division.
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