Springfield, MO

Credit Repair & Financial Services in Springfield

Compare 7 credit repair companies, personal lenders, and financial services in Springfield, Missouri. All independently reviewed with BBB ratings and pricing.

Missouri avg credit score: 703 Median income: $65,920 Poverty rate: 12.1% Payday loans: Legal Missouri overview →

Top Rated in Springfield

7 companies
Arlo Bank logo

Arlo Bank

Arlo Bank is a community bank based in Springfield, MO offering checking, savings, business loans, and mobile banking with no monthly service fees and refunded ATM surcharges.

4.2/5
Contact BBB:

Best for: Individuals in Springfield, MO seeking fee-free checking with mobile banking and check deposit, Small business owners looking for relationship banking with business loan access

Guaranty Bank logo

Guaranty Bank

FDIC-insured community bank offering personal checking, savings, business banking, CDs, and loans with 14 physical locations and 37,000+ ATM access.

4.2/5
Contact BBB:

Best for: Small business owners and entrepreneurs seeking local, personalized banking relationships, Customers in Missouri seeking FDIC-insured deposits with physical branch access

Mid-Missouri Bank logo

Mid-Missouri Bank

Mid-Missouri Bank is a community bank serving Southwest Missouri with 150+ years of history, offering personal and business banking, mortgages, and loans from multiple locations.

4.2/5
Contact BBB:

Best for: Southwest Missouri residents seeking personalized, community-focused banking with local loan officers, Small business owners and agricultural operations needing specialized lending products and merchant services

Oakstar Bank logo

Oakstar Bank

Regional FDIC-insured bank operating across Missouri, Kansas, and Colorado with personal and business checking, loans, mortgages, and digital banking services.

4.2/5
Contact BBB:

Best for: Customers in Missouri, Kansas, or Colorado seeking relationship-based community banking, Small business owners needing personalized commercial banking and credit card services

Omb Bank logo

Omb Bank

FDIC-insured bank offering high-yield CDs (up to 4.25% APY), checking/savings accounts, home loans, business loans, and treasury services with both digital and branch-based service.

4.2/5
Contact BBB:

Best for: Savers seeking high-yield FDIC-insured CDs with flexible short-to-medium term options, Homebuyers in the bank's service area wanting personalized mortgage guidance and local expertise

State Bank of Southwest Missouri logo

State Bank of Southwest Missouri

State Bank of Southwest Missouri is a community bank established in 1985 offering personal and business banking, mortgages, and investment services with emphasis on personalized local service.

4.2/5
Contact BBB:

Best for: Local Springfield-area residents seeking personalized relationship banking, Small business owners needing local decision-makers and business banking services

Banks in Springfield

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Arlo Bank logo

Arlo Bank

Arlo Bank is a community bank based in Springfield, MO offering checking, savings, business loans, and mobile banking with no monthly service fees and refunded ATM surcharges.

4.2/5
Contact BBB:

Best for: Individuals in Springfield, MO seeking fee-free checking with mobile banking and check deposit, Small business owners looking for relationship banking with business loan access

Guaranty Bank logo

Guaranty Bank

FDIC-insured community bank offering personal checking, savings, business banking, CDs, and loans with 14 physical locations and 37,000+ ATM access.

4.2/5
Contact BBB:

Best for: Small business owners and entrepreneurs seeking local, personalized banking relationships, Customers in Missouri seeking FDIC-insured deposits with physical branch access

Mid-Missouri Bank logo

Mid-Missouri Bank

Mid-Missouri Bank is a community bank serving Southwest Missouri with 150+ years of history, offering personal and business banking, mortgages, and loans from multiple locations.

4.2/5
Contact BBB:

Best for: Southwest Missouri residents seeking personalized, community-focused banking with local loan officers, Small business owners and agricultural operations needing specialized lending products and merchant services

Oakstar Bank logo

Oakstar Bank

Regional FDIC-insured bank operating across Missouri, Kansas, and Colorado with personal and business checking, loans, mortgages, and digital banking services.

4.2/5
Contact BBB:

Best for: Customers in Missouri, Kansas, or Colorado seeking relationship-based community banking, Small business owners needing personalized commercial banking and credit card services

Omb Bank logo

Omb Bank

FDIC-insured bank offering high-yield CDs (up to 4.25% APY), checking/savings accounts, home loans, business loans, and treasury services with both digital and branch-based service.

4.2/5
Contact BBB:

Best for: Savers seeking high-yield FDIC-insured CDs with flexible short-to-medium term options, Homebuyers in the bank's service area wanting personalized mortgage guidance and local expertise

State Bank of Southwest Missouri logo

State Bank of Southwest Missouri

State Bank of Southwest Missouri is a community bank established in 1985 offering personal and business banking, mortgages, and investment services with emphasis on personalized local service.

4.2/5
Contact BBB:

Best for: Local Springfield-area residents seeking personalized relationship banking, Small business owners needing local decision-makers and business banking services

Credit Unions in Springfield

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Blucurrent logo

Blucurrent

BluCurrent Credit Union is a member-owned financial institution serving Springfield, MO since 1929, offering checking, savings, loans, and mortgage services.

4.0/5
Contact BBB:

Best for: Springfield, MO residents and businesses seeking local credit union membership with community roots, Auto loan borrowers wanting transparent online payment estimation and competitive member pricing

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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