Compare 66 credit repair companies, personal lenders, and financial services in San Francisco, California. All independently reviewed with BBB ratings and pricing.
Upgrade, Inc. is a personal lending provider based in San Francisco, California. Rated 4.8/5 with 10,556 Google reviews, reflecting exceptional customer satisfaction.
Best for: Consumers in San Francisco, California looking for personal lending services, People who prefer working with a local personal lending provider
LendingClub is a digital marketplace bank offering personal loans up to $60,000, auto refinancing, and award-winning checking/savings accounts with no physical branches.
Best for: Borrowers with good-to-excellent credit seeking competitive personal loan rates, Credit card debt consolidators looking for fixed-rate alternatives
SoFi is a publicly traded fintech platform (NASDAQ: SOFI) offering personal loans, student loan refinancing, banking, investing, and credit cards — all in one app with no hidden fees.
Best for: Borrowers with good-to-excellent credit (680+) seeking competitive rates on personal loans up to $100K, People who want one financial platform for banking, lending, investing, and insurance
Kikoff is a credit-building platform offering secured tradelines, credit monitoring, and financial tools to help users establish or rebuild credit without credit checks or interest.
Best for: People with no credit history or credit scores below 600 seeking an affordable entry point to credit building, Individuals rebuilding credit after past damage who want bundled services (monitoring, disputes, debt negotiation) in one app
Priority Tax Relief provides IRS tax debt resolution services including offers in compromise, installment agreements, and penalty abatement for taxpayers with back taxes.
Best for: Individuals with $5,000+ in back taxes owed to the IRS, Taxpayers facing IRS enforcement actions like wage garnishments or bank levies
Prosper is a peer-to-peer personal loan marketplace offering $2,000-$50,000 loans with fixed rates from 6.99% APR. SEC-registered, BBB A+ accredited since 2012, with WebBank as lending partner.
Best for: Borrowers with good credit seeking competitive fixed-rate debt consolidation loans, Consumers who value SEC-regulated lending platforms with transparent note structures
Luxury real estate agent specializing in high-end residential properties in San Francisco Bay Area with $1B+ in sales history over 25 years.
Best for: High-net-worth individuals buying or selling luxury residential properties in San Francisco Bay Area ($5M+), Sellers of celebrity estates or architecturally significant homes requiring boutique marketing and publicity
AI-powered mortgage lender offering home purchases, refinances, and home equity products with claimed ~0.5% rate savings and faster closing timelines through automated processing.
Best for: Tech-comfortable borrowers who prefer minimal phone interaction and online self-service, Homebuyers and refinancers seeking to compare rates quickly without lengthy consultations
Fif Ghobadian is a Producing Branch Manager and SVP of Mortgage Lending at OriginPoint in San Francisco, offering home purchase, refinance, and specialized loan programs with 20+ years of financial expertise.
Best for: Self-employed borrowers and business owners seeking bank statement loan programs, Military service members and veterans exploring VA loan benefits with competitive pricing
Guarantee Mortgage is a California-based mortgage banker offering home purchase, refinance, and reverse mortgage services across the San Francisco Bay Area for 20+ years.
Best for: California homebuyers and refinancers in the San Francisco Bay Area seeking personalized service, Complex borrowers (self-employed, high debt-to-income, large loan amounts) needing expert guidance
Orlando Diaz is a senior loan advisor offering mortgage and refinance services across Northern California counties. NMLS #238849 licensed in CA.
Best for: Northern California homebuyers seeking personalized mortgage guidance outside large bank channels, Existing homeowners exploring refinance or cash-out options in San Francisco Bay Area counties
Mike Koran at Primary Residential Mortgage offers home purchase and refinance loans across California, Washington, Nevada, Texas, Florida, and Ohio, with 20+ years experience and $1B+ funded volume.
Best for: California first-time homebuyers interested in Dream For All down payment assistance, Borrowers with non-traditional credit or income profiles rejected by major banks
San Francisco Federal Credit Union is a membership-based credit union serving the Bay Area with six branch locations, offering checking, savings, loans, and mortgages to residents and employees of San Francisco and San Mateo counties.
Best for: Bay Area residents and employees seeking low-cost, community-focused banking with competitive auto and mortgage rates, Individuals living or working in San Francisco or San Mateo counties interested in credit union membership benefits and personal service
Pacific Postal Credit Union has rebranded to F3 Credit Union. The company is no longer operating under its original name and directs users to its new website.
Best for: Former Pacific Postal Credit Union members transitioning to F3 Credit Union, Users searching for the organization under its historical name
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Best for: Consumers in San Francisco, California looking for payday alternative lending services, People who prefer working with a local payday alternative lending provider
Credit union serving law enforcement and their communities with mortgages, auto loans, home improvement loans, and member benefits.
Best for: Law enforcement officers seeking mortgages, auto loans, and home improvement financing with specialized rates and products, First-time homebuying police officers eligible for the H.E.R.O. 0% down mortgage program
Non-profit, federally insured community development credit union serving low-income families and small businesses across Northern California since 1981.
Best for: Low-income families in Northern California seeking credit building and community-embedded financial services, Small business owners in underserved communities requiring tailored lending and business account solutions
Patelco Credit Union's Sunset branch in San Francisco offers checking, savings, loans, mortgages, and investment services to credit union members with local branch banking.
Best for: San Francisco residents and community members seeking comprehensive personal banking with local branch support, First-time homebuyers and current homeowners exploring purchase or refinancing with mortgage specialist guidance
LendingClub is a digital marketplace bank offering personal loans up to $60,000, auto refinancing, and award-winning checking/savings accounts with no physical branches.
Best for: Borrowers with good-to-excellent credit seeking competitive personal loan rates, Credit card debt consolidators looking for fixed-rate alternatives
Bank of America is a major national bank offering deposit accounts, credit cards, loans, and investment products through digital and mobile banking platforms.
Best for: Consumers seeking integrated banking and investment services from a single major institution, Customers who prefer mobile-first banking with apps on iPhone, iPad, or Android
San Francisco-based community bank offering personal and business banking with relationship-focused service, local decision-making, and nationwide ATM access since 2005.
Best for: San Francisco Bay Area small business owners seeking personalized lending relationships, Local residents preferring community bank service over national corporate banking institutions
FDIC-insured community bank offering personal and business banking, mortgages, and international trade finance with a presence in California and China.
Best for: Small business owners seeking SBA loans and personalized commercial banking relationships, Real estate investors and developers needing residential, commercial, or mixed-use property financing
FDIC-insured community bank serving the San Francisco Bay Area with business and personal banking, SBA loans, and mobile deposit services.
Best for: Small business owners in the San Francisco Bay Area seeking relationship-based lending and SBA loan products, Local depositors wanting to reinvest in their community while maintaining FDIC-insured accounts
FDIC-insured commercial bank headquartered in San Francisco's Mission District, offering full-service business and personal banking with lending solutions.
Best for: San Francisco-based small business owners seeking relationship-based lending and local decision-making, Personal banking customers prioritizing community investment and local institution support
Consumer Credit Counseling Services San Francisco, CA — Non-profit credit counseling organization offering free initial consultations and personalized d...
Best for: Consumers with credit card debt seeking free guidance on debt consolidation and budgeting, Individuals wanting to improve credit scores through structured payment planning
Mission Asset Fund is a non-profit organization providing financial coaching and credit-building services to underserved communities.
Best for: Low-income individuals seeking free financial coaching and credit guidance, Immigrant communities with limited English proficiency or banking access
Non-profit organization providing business development, affordable housing, and financial empowerment services to Asian American and low-income communities across Northern California.
Best for: Asian American and low-to-moderate income entrepreneurs seeking business development support in Northern California, First-time homebuyers and homeowners in San Francisco Bay Area seeking affordable housing or foreclosure prevention
Non-profit financial wellness organization providing free and low-cost 1:1 coaching, housing workshops, and debt/savings guidance to help consumers achieve financial stability.
Best for: First-time homebuyers seeking down payment assistance info and mortgage readiness guidance, Consumers facing financial crises or emergencies needing debt and spending restructuring advice
Balance provides non-profit financial wellness counseling and housing education services, including homebuyer preparation and down-payment assistance guidance.
Best for: First-time homebuyers seeking education on down-payment assistance, Spanish-speaking consumers needing financial counseling
San Francisco's only nonprofit serving the full LGBT spectrum, offering 200+ free and low-cost programs monthly to 9,000+ individuals including counseling, employment services, youth support, and community space.
Best for: LGBTQ+ individuals in San Francisco seeking community support, resources, and safe gathering spaces, Transgender, lesbian, bisexual, and gender-nonconforming people facing intersectional discrimination
Upgrade, Inc. is a personal lending provider based in San Francisco, California. Rated 4.8/5 with 10,556 Google reviews, reflecting exceptional customer satisfaction.
Best for: Consumers in San Francisco, California looking for personal lending services, People who prefer working with a local personal lending provider
SoFi is a publicly traded fintech platform (NASDAQ: SOFI) offering personal loans, student loan refinancing, banking, investing, and credit cards — all in one app with no hidden fees.
Best for: Borrowers with good-to-excellent credit (680+) seeking competitive rates on personal loans up to $100K, People who want one financial platform for banking, lending, investing, and insurance
Prosper is a peer-to-peer personal loan marketplace offering $2,000-$50,000 loans with fixed rates from 6.99% APR. SEC-registered, BBB A+ accredited since 2012, with WebBank as lending partner.
Best for: Borrowers with good credit seeking competitive fixed-rate debt consolidation loans, Consumers who value SEC-regulated lending platforms with transparent note structures
Buy now, pay later at checkout. Split purchases into 4 biweekly payments (0% APR) or 6-60 monthly payments. No late fees, no hidden charges. Publicly traded (NASDAQ: AFRM).
Best for: Consumers looking for financial services
Pay in 4 interest-free installments. Owned by Block (Square). 20M+ US users. No credit check for most purchases.
Best for: Interest-free payment splitting without credit checks, In-store buy now pay later
E-FIX CREDIT INC. is an all-in-one business credit and funding platform that helps entrepreneurs build business credit, improve lender qualification, and access multiple funding options without hard credit inquiries.
Best for: Small to mid-sized business owners seeking to build business credit separate from personal credit, Entrepreneurs preparing for multiple funding applications who want pre-qualification and lender readiness assessment
Electronic Payments of California provides merchant payment processing, point-of-sale systems, and payment solutions for retail businesses across Northern and Southern California since 2000.
Best for: California-based retail merchants seeking local payment processing support, Multi-location retail chains needing consistent POS systems across stores
Skyline Payments is an integrated accounts receivable and accounts payable platform for small and mid-sized businesses, enabling faster payment collection and bill processing through accounting software integrations.
Best for: Small to mid-sized service businesses (HVAC, plumbing, medical, waste management) using QuickBooks Online that need to reduce DSO and automate AR/AP, B2B companies with multiple invoices and vendors that want to consolidate billing and payment workflows in one platform
Square Financial Services (Block, Inc.) offers invitation-only business loans from $100 to $350,000 with a flat 10-16% fee, instant funding to Square Checking, and daily repayment tied to card sales. $32B+ funded since 2014.
Best for: Existing Square sellers needing fast, simply-priced working capital, Businesses wanting transparent flat-fee pricing with no hidden charges
Working Solutions CDFI provides affordable small business loans ($5K-$100K) and free consulting to diverse entrepreneurs in California, with no minimum credit score or revenue requirements.
Best for: Pre-revenue and early-stage entrepreneurs who cannot qualify for traditional bank financing, Diverse and minority-owned business owners seeking capital without collateral requirements
Consumer protection law firm specializing in identity theft, credit report disputes, and bank fraud cases. Led by Michael F. Cardoza, a U.S. Marine veteran and 30-year consumer financial protection attorney.
Best for: Identity theft victims who have opened fraudulent accounts or suffered unauthorized charges and need aggressive legal representation, Consumers with persistent false or inaccurate information on credit reports that credit bureaus refuse to correct
San Francisco-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings for individuals, families, and businesses across the seven-county Bay Area.
Best for: Bay Area individuals and families facing overwhelming unsecured debt (credit cards, medical bills), Business owners in Northern California seeking Chapter 7 or Chapter 13 relief
San Francisco-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, debt elimination, and asset protection for individuals and businesses.
Best for: Bay Area residents with unmanageable unsecured debt seeking Chapter 7 or Chapter 13 bankruptcy filing, Homeowners facing foreclosure who need legal filing services to trigger automatic stay protection
California Bar Certified bankruptcy attorney serving the San Francisco Bay Area with 17+ years of experience in Chapter 7, Chapter 13, and foreclosure defense.
Best for: Bay Area individuals facing foreclosure or home loss seeking legal defense options, Small business owners in Northern California considering Chapter 11 reorganization
San Francisco-based financial consulting firm offering credit repair, credit improvement, and credit management services with a focus on personalized guidance and Spanish-language support.
Best for: Spanish-speaking consumers seeking credit improvement with bilingual support, Individuals preferring family-owned businesses with personalized client relationships
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Best for: Not recommended pending website restoration and verification, No safe assessment possible without accessible terms, pricing, and regulatory compliance documentation
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Best for: Consumers in San Francisco, California looking for credit repair services, People who prefer working with a local credit repair provider
iMax Credit Repair uses litigation and attorney-led disputes to remove negative items from credit reports, charging $0 upfront and only after results are achieved.
Best for: Consumers with multiple negative items (collections, charge-offs, judgments) willing to pursue litigation rather than disputes, Individuals who can afford several thousand dollars in fees once results are achieved and want guaranteed no-pay-if-no-results protection
San Francisco's oldest continuously operating pawn shop (since 1884) offering collateral-based loans on jewelry, watches, and other valuables with no credit check required.
Best for: Individuals with poor or no credit history who need quick cash and have valuable collateral they can temporarily part with, People seeking short-term loans without credit checks or lengthy approval processes (financial emergencies)
San Francisco pawn shop since 1994 offering collateral-based cash loans and buying/selling gold, jewelry, designer handbags, and luxury goods with authentication services.
Best for: People with valuable jewelry, gold, designer handbags, or luxury goods who need immediate cash and cannot access traditional credit, Customers seeking to buy authenticated used luxury goods (handbags, jewelry) at discounts
Liberal Loan & Jewelry Pawnshops offers collateral-based lending against jewelry and personal items at their San Francisco location on 6th Street.
Best for: Consumers with poor or no credit history needing emergency cash quickly, Individuals with valuable jewelry seeking short-term liquidity against collateral
Kikoff is a credit-building platform offering secured tradelines, credit monitoring, and financial tools to help users establish or rebuild credit without credit checks or interest.
Best for: People with no credit history or credit scores below 600 seeking an affordable entry point to credit building, Individuals rebuilding credit after past damage who want bundled services (monitoring, disputes, debt negotiation) in one app
Fee-free online bank with early direct deposit, SpotMe overdraft protection, and a secured Credit Builder card that reports to all 3 bureaus. No credit check, no minimum balance.
Best for: Consumers denied by traditional banks due to ChexSystems flags or thin credit files, People rebuilding credit who want a secured card that reports to all 3 bureaus with no credit check
CRS Credit API is a B2B credit data platform providing API access to consumer and business credit reports, scores, and public records for lenders, fintech companies, and screening services.
Best for: Fintech companies and BNPL lenders needing integrated credit decisioning, Auto leasing and lending businesses requiring automated credit reports
Free credit monitoring platform offering score tracking, financial insights, and personalized product recommendations for 140+ million members.
Best for: Consumers seeking free credit monitoring without subscription costs, People exploring product options with realistic approval probability estimates
At 2531 Mission Street in San Francisco, CA, California Check Cashing Stores offers check cashing and financial services.
Best for: San Francisco residents needing immediate check cashing or quick cash access without traditional banking, Unbanked or underbanked customers seeking alternative financial services and bill payment options
San Francisco-based nonprofit offering interest-free loans up to $20K since 1897, serving individuals and small businesses without credit checks or collateral requirements.
Best for: Bay Area residents with high-interest debt seeking consolidation without paying interest, Parents pursuing adoption and needing accessible financing without credit checks
Priority Tax Relief provides IRS tax debt resolution services including offers in compromise, installment agreements, and penalty abatement for taxpayers with back taxes.
Best for: Individuals with $5,000+ in back taxes owed to the IRS, Taxpayers facing IRS enforcement actions like wage garnishments or bank levies
Online lending marketplace connecting borrowers with personal and short-term loan providers, offering $100-$5,000 loans with potential next-business-day funding.
Best for: Consumers with fair or poor credit seeking quick access to emergency funds, Borrowers facing time-sensitive financial emergencies (medical bills, car repairs, unexpected expenses)
California Consumer Protections: California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.
Interest Rate Cap: California usury cap: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100.
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 California Attorney General Consumer Protection.
Our editors reviewed hundreds of companies to find the best options nationwide.
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