Compare 56 credit repair companies, personal lenders, and financial services in Seattle, Washington. All independently reviewed with BBB ratings and pricing.
Seattle Gold buys and sells precious metals including gold, silver, diamonds, and bullion at competitive prices through physical locations in Seattle and Portland, plus mail-in services.
Best for: Individuals liquidating unwanted gold jewelry, dental gold, or silverware for immediate cash, Precious metals collectors selling coins, bars, or bullion at current market rates
Seattle-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 bankruptcy, debt settlement, and foreclosure defense for Washington State residents.
Best for: Washington State residents overwhelmed by credit card debt, medical bills, or payday loans seeking Chapter 7 fresh start, Homeowners facing foreclosure who need mediation or Chapter 13 debt repayment plan to retain their home
WaFd Bank is a full-service regional bank operating in Washington, Nevada, New Mexico, and Oregon with branch locations including Seattle's International District, offering personal and business banking services.
Best for: Customers in the Pacific Northwest (Washington, Oregon) seeking community-focused banking with personalized service, Small business owners in WaFd Bank's service areas needing local commercial lending relationships
Auto loan specialist in Seattle, WA offering vehicle financing with flexible payment options and customer-focused service.
Best for: Borrowers with imperfect credit seeking auto financing with flexible terms, Individuals prioritizing personalized service and customer support in the loan process
Seattle-based mortgage lender serving Washington and Colorado with 30+ years experience, offering instant rate quotes with no lender fees and free pre-approvals.
Best for: Consumers in Seattle, Washington looking for personal lending services, People who prefer working with a local personal lending provider
Brad Evered is a mortgage loan officer at CrossCountry Mortgage based in Seattle, WA, specializing in home purchase and refinance loans.
Best for: Seattle-area homebuyers seeking personalized local loan officer guidance, Homeowners in Washington state interested in refinancing existing mortgages
Seattle-based mortgage lender serving Washington and Colorado with 30+ years experience, offering instant rate quotes with no lender fees and free pre-approvals.
Best for: Consumers in Seattle, Washington looking for personal lending services, People who prefer working with a local personal lending provider
Brad Evered is a mortgage loan officer at CrossCountry Mortgage based in Seattle, WA, specializing in home purchase and refinance loans.
Best for: Seattle-area homebuyers seeking personalized local loan officer guidance, Homeowners in Washington state interested in refinancing existing mortgages
Brandon Holakiewicz is a mortgage loan officer at CrossCountry Mortgage in Seattle, WA, offering home purchase and refinance financing solutions.
Best for: Seattle-area homebuyers seeking local loan officer guidance for purchase mortgages, Washington homeowners considering refinancing with in-person consultation options
Certain Lending specializes in fix-and-flip, construction, and rental property loans for real estate investors, offering flexible terms and fast closing in 5 days to 3 weeks.
Best for: Real estate investors focusing on fix-and-flip projects who need capital fast and have strong exit timelines, Construction-focused investors building new residential or small multifamily investment properties
CMG Seattle, led by VP Andrew W. Reid (NMLS #420400), is a mortgage lender specializing in home purchase and refinance loans nationwide since 1993.
Best for: Home buyers seeking new purchase mortgages with personalized financial counseling, Homeowners considering refinance options who prefer relationship-based lending over automated platforms
Cornerstone Home Lending is a Dallas-based mortgage lender offering home purchase, refinance, and various loan products through a team of experienced loan officers and mortgage professionals.
Best for: Dallas-Fort Worth area homebuyers seeking personalized service from experienced local mortgage professionals, Borrowers wanting to work directly with top-producing loan officers who have established track records with thousands of clients
Seattle-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 bankruptcy, debt settlement, and foreclosure defense for Washington State residents.
Best for: Washington State residents overwhelmed by credit card debt, medical bills, or payday loans seeking Chapter 7 fresh start, Homeowners facing foreclosure who need mediation or Chapter 13 debt repayment plan to retain their home
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Best for: Consumers in Seattle, Washington looking for credit repair services, People who prefer working with a local credit repair provider
Seattle-based bankruptcy law firm offering Chapter 7 and Chapter 13 filing services with zero-down payment plans. Attorney David A. Kubat provides debt relief and foreclosure assistance with 37 years of experience.
Best for: Seattle-area individuals with overwhelming unsecured debt seeking Chapter 7 or Chapter 13 protection, Homeowners facing foreclosure who need legal representation to explore options
Seattle-based consumer protection law firm specializing in debt defense, collection abuse litigation, and financial restructuring for individuals facing creditor harassment.
Best for: Seattle-area consumers actively facing creditor harassment or collection lawsuits who need litigation defense, Individuals with complex financial situations requiring both debt resolution and civil legal representation
Seattle Consumer Justice is a boutique law firm specializing in debt-related legal matters, including bankruptcy, student loans, and foreclosure representation for Washington State consumers.
Best for: Washington State residents facing bankruptcy with complex debt situations requiring personalized legal strategy, Student loan debtors seeking specialized litigation representation for federal student loan matters
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Best for: Consumers in Seattle, Washington looking for credit building services, People who prefer working with a local credit building provider
Express Credit Union is a community-focused credit union offering affordable checking, savings, loans, and credit-building services to underserved populations including ITIN holders.
Best for: Immigrant populations and ITIN holders seeking mainstream lending alternatives to predatory lenders, Members seeking credit-building products and financial counseling rather than fast cash
Salal Credit Union is a member-owned financial cooperative offering banking services including checking, savings, and lending products to its membership base.
Best for: Individuals eligible for Salal Credit Union membership seeking member-owned banking alternatives, Consumers in the First Hill area looking for local credit union services
BECU is a Washington-based credit union offering banking services including checking, savings, and lending products to members in the Pacific Northwest.
Best for: Boeing employees and eligible family members in Washington state, Pacific Northwest residents seeking credit union membership benefits
Gesa Credit Union is a federally insured credit union offering checking, savings, loans, mortgages, and business banking with branches in Washington state.
Best for: Washington state residents seeking community-oriented banking with branch access, Small business owners needing integrated business banking and lending services
Harborstone Credit Union is a member-owned financial institution offering personal and business banking, lending, and investment services across the Pacific Northwest.
Best for: Pacific Northwest residents seeking relationship-based banking with personalized financial guidance, Members prioritizing community-focused financial institutions with active local engagement
Verity Credit Union is a Pacific Northwest credit union operating 5 branches in Washington with digital banking, shared branching access to 6,000+ locations nationwide, and comprehensive financial services.
Best for: Washington state residents in Seattle, Tacoma, Auburn, and Lynnwood metropolitan areas seeking traditional banking with personalized service and drive-up access, Credit union members who travel nationally and need reliable branch access through the 6,000-location shared branching network
WaFd Bank is a full-service regional bank operating in Washington, Nevada, New Mexico, and Oregon with branch locations including Seattle's International District, offering personal and business banking services.
Best for: Customers in the Pacific Northwest (Washington, Oregon) seeking community-focused banking with personalized service, Small business owners in WaFd Bank's service areas needing local commercial lending relationships
WSECU is a Washington-based credit union offering banking services including checking, savings, and branch access. Members enjoy online banking, ATM networks, and community spaces.
Best for: Washington State residents seeking local, community-focused banking with physical branch access, U-District Seattle members needing convenient branch hours, parking, and community meeting space
Seattle Bank is a full-service bank offering personal, private, and business banking with FDIC insurance, specialty mortgages, and digital-first services.
Best for: Business owners seeking personalized lending relationships and dedicated account management, Homebuyers interested in specialty mortgage products like construction loans or bridge financing
Sound Community Bank is an FDIC-insured community bank offering personal and business checking, savings, loans, and mortgages with a focus on the Puget Sound region.
Best for: Pacific Northwest homebuyers seeking specialized mortgage products and local lending expertise, Small business owners needing relationship-based banking with dedicated business teams
WaFd Bank is a regional bank operating 200+ branches across 9 western states, offering personal checking/savings accounts, business banking, credit cards, and SBA-preferred small business loans.
Best for: Small business owners in western states seeking SBA-backed financing and local banking relationships, Regional consumers in Arizona, California, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, or Washington wanting branch-based banking with fee-free accounts
Seattle-based non-profit credit consulting organization offering personal credit repair, business credit building, and trauma-informed financial education with a mission to reduce the racial wealth gap.
Best for: Individuals from underserved or minority communities seeking culturally-aligned credit counseling, Mission-driven consumers who prioritize supporting organizations focused on reducing wealth gaps
Unable to verify current services due to website access restriction. Historically a Latino-focused community organization in Seattle.
Best for: Spanish-speaking individuals seeking community-based support, Seattle/Pacific Northwest residents familiar with the organization
Credit.Org is a nonprofit credit counseling and housing assistance organization offering free debt relief, credit building, and HUD-approved mortgage counseling since 1974.
Best for: Homeowners and renters seeking free HUD-approved housing counseling without product sales pressure, Consumers looking for comprehensive financial education alongside personalized debt or credit guidance
Urban League of Metropolitan Seattle is a community-based nonprofit providing free credit counseling and financial assistance to residents of the Seattle area.
Best for: Seattle-area residents seeking free, unbiased credit counseling, Low-income individuals needing financial literacy education without service fees
Auto loan specialist in Seattle, WA offering vehicle financing with flexible payment options and customer-focused service.
Best for: Borrowers with imperfect credit seeking auto financing with flexible terms, Individuals prioritizing personalized service and customer support in the loan process
SBA loan marketplace connecting small businesses with lenders offering fast-track funding in 2-4 weeks and traditional SBA loans up to $5M, with rates starting at 10.25%.
Best for: Established small business owners seeking $25K–$500K in growth capital with 2–4 week funding timelines, Businesses needing larger SBA loans ($500K–$5M) willing to wait 4–8 weeks for more competitive rates
Seattle Gold buys and sells precious metals including gold, silver, diamonds, and bullion at competitive prices through physical locations in Seattle and Portland, plus mail-in services.
Best for: Individuals liquidating unwanted gold jewelry, dental gold, or silverware for immediate cash, Precious metals collectors selling coins, bars, or bullion at current market rates
Family-run Seattle pawnshop operating 80+ years offering collateral-based loans, jewelry and merchandise sales, and trade services with no credit checks required.
Best for: Individuals needing fast emergency cash without credit qualification requirements, Customers with valuable items (jewelry, electronics, tools, instruments) they can temporarily pledge
CreditCEO is a credit repair company offering systematic dispute services, debt settlement, and debt collector defense with a money-back guarantee and 87% reported success rate.
Best for: Consumers with documented errors or inaccurate negative items on their credit reports seeking systematic dispute services, Individuals dealing with active debt collector harassment who need both credit repair and legal defense strategy
Venture Cash Advance is a loan marketplace connecting borrowers to a network of lenders offering $100–$5,000 fast loans with next-business-day funding.
Best for: Borrowers with poor or no credit history seeking emergency funds quickly, Individuals facing short-term financial emergencies (medical bills, car repairs, unexpected expenses) who can access a loan within 1–2 business days
Washington Consumer Protections: Washington allows payday lending with a $700 cap, tiered fee structure, and a limit of eight loans per year. After the eighth loan, borrowers must be offered a no-cost installment plan. The Department of Financial Institutions regulates consumer lenders, and complaints can be filed with DFI or the Attorney General.
Interest Rate Cap: Washington usury cap: 12% general usury; payday loans capped at $700 with tiered fees (15% on first $500).
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 Washington Attorney General Consumer Protection Division.
Our editors reviewed hundreds of companies to find the best options nationwide.
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