Tallahassee, FL

Credit Repair & Financial Services in Tallahassee

Review 7 credit repair companies, personal lenders, and financial services in Tallahassee, Florida. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Florida avg credit score: 706 Median income: $71,711 Poverty rate: 11.4% Payday loans: Legal Florida overview →

Featured Provider Profiles in Tallahassee

7 companies
Capital City Bank logo

Capital City Bank

Capital City Bank is an FDIC-insured bank offering deposit accounts, home equity loans, and commercial loans through both in-person branches and digital banking platforms.

BBB: NR

Profile signals: Customers seeking comprehensive traditional banking services with FDIC protection, Small business owners needing commercial loans and merchant services

Champions First logo

Champions First

Champions First is a member-owned credit union offering auto loans, share accounts, digital banking, and HELOCs with a focus on personalized member service and rate claims to verify.

BBB: NR

Profile signals: Auto loan borrowers seeking rate claims to verify and streamlined electronic processing, FSU students and affiliated communities looking for credit union membership and financial products

Florida a & M University logo

Florida a & M University

FAMU Federal Credit Union is a member-owned credit union serving HBCU affiliates with auto loans, mortgages, and business lending. It has operated for 91 years.

BBB: NR

Profile signals: Current and former Florida A&M University students, alumni, and employees seeking member-owned financial services, HBCU-affiliated professionals prioritizing community-focused banking and mission alignment

Prime Meridian Bank logo

Prime Meridian Bank

Prime Meridian Bank (now MIDFLORIDA Credit Union) offers personal and business checking, savings, loans, and mortgages with no monthly maintenance fees and local decision-making.

BBB: NR

Profile signals: Florida-based small business owners seeking no-fee checking with locally-made lending decisions, Personal customers in the Tallahassee area wanting relationship-based banking with no monthly maintenance fees

T M H logo

T M H

TMH Federal Credit Union is a member-owned financial institution offering auto loans, mortgages, personal loans, and digital banking services with rate claims to verify.

BBB: NR

Profile signals: Credit union members seeking competitive auto and RV loan rates, Homebuyers looking for personalized mortgage lending with local loan officer support

Tallahassee Lenders Consortium, Inc. logo

Tallahassee Lenders Consortium, Inc.

Non-profit organization providing homebuyer education, financial counseling, and down payment assistance to help low-to-moderate-income families achieve homeownership since 1993.

BBB: NR

Profile signals: First-time homebuyers seeking structured education and financial guidance, Low-to-moderate-income individuals and families unable to afford down payments

Credit Unions in Tallahassee

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Champions First logo

Champions First

Champions First is a member-owned credit union offering auto loans, share accounts, digital banking, and HELOCs with a focus on personalized member service and rate claims to verify.

BBB: NR

Profile signals: Auto loan borrowers seeking rate claims to verify and streamlined electronic processing, FSU students and affiliated communities looking for credit union membership and financial products

Florida a & M University logo

Florida a & M University

FAMU Federal Credit Union is a member-owned credit union serving HBCU affiliates with auto loans, mortgages, and business lending. It has operated for 91 years.

BBB: NR

Profile signals: Current and former Florida A&M University students, alumni, and employees seeking member-owned financial services, HBCU-affiliated professionals prioritizing community-focused banking and mission alignment

T M H logo

T M H

TMH Federal Credit Union is a member-owned financial institution offering auto loans, mortgages, personal loans, and digital banking services with rate claims to verify.

BBB: NR

Profile signals: Credit union members seeking competitive auto and RV loan rates, Homebuyers looking for personalized mortgage lending with local loan officer support

Banks in Tallahassee

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Capital City Bank logo

Capital City Bank

Capital City Bank is an FDIC-insured bank offering deposit accounts, home equity loans, and commercial loans through both in-person branches and digital banking platforms.

BBB: NR

Profile signals: Customers seeking comprehensive traditional banking services with FDIC protection, Small business owners needing commercial loans and merchant services

Prime Meridian Bank logo

Prime Meridian Bank

Prime Meridian Bank (now MIDFLORIDA Credit Union) offers personal and business checking, savings, loans, and mortgages with no monthly maintenance fees and local decision-making.

BBB: NR

Profile signals: Florida-based small business owners seeking no-fee checking with locally-made lending decisions, Personal customers in the Tallahassee area wanting relationship-based banking with no monthly maintenance fees

Free Help in Tallahassee

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Tallahassee Lenders Consortium, Inc. logo

Tallahassee Lenders Consortium, Inc.

Non-profit organization providing homebuyer education, financial counseling, and down payment assistance to help low-to-moderate-income families achieve homeownership since 1993.

BBB: NR

Profile signals: First-time homebuyers seeking structured education and financial guidance, Low-to-moderate-income individuals and families unable to afford down payments

Tallahassee Urban League, Inc logo

Tallahassee Urban League, Inc

Non-profit community organization providing free housing counseling, financial education, and social services to low-income residents in Tallahassee and Leon County.

BBB: NR

Profile signals: First-time homebuyers in Tallahassee/Leon County seeking down payment assistance preparation, Low-to-moderate income homeowners needing housing rehabilitation support

Your Rights in Florida

Florida Consumer Protections: Florida allows payday lending with notable consumer-protection context including a statewide database preventing multiple simultaneous loans, a $500 cap, and a 24-hour cooling-off period. The Office of Financial Regulation oversees all consumer lenders. Consumers can file complaints online through the OFR or the Attorney General.

Interest Rate Cap: Florida usury cap: 18% for loans under $500,000; 25% criminal usury threshold; payday loans regulated separately.

Key Regulations:
  • Payday loans (deferred presentment) capped at $500 with maximum fee of $10 per $100 ($300) or $15 per $100 ($300-$500).
  • Borrowers can have only one outstanding payday loan at a time, tracked via a statewide database.
  • A mandatory 24-hour cooling-off period is required between payday loans.
  • The Florida Consumer Finance Act regulates installment lenders with tiered rate caps.

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 Florida Attorney General Consumer Protection Division.

Research Service Guides

Use these guides with local pages, state rules, and provider profiles before contacting a company.

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