Tempe, AZ

Credit Repair & Financial Services in Tempe

Review 17 credit repair companies, personal lenders, and financial services in Tempe, Arizona. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Arizona avg credit score: 706 Median income: $72,581 Poverty rate: 13.5% Payday loans: Banned Arizona overview →

Featured Provider Profiles in Tempe

17 companies
The Credit Clinic logo

The Credit Clinic

The Credit Clinic is an educational resource and comparison platform that reviews and recommends credit repair services rather than providing direct credit repair services itself.

4.9/5

Google rating from 75 reviews

BBB: NR

Profile signals: Consumers new to credit repair seeking basic education about the process, Individuals looking for a starting point to compare multiple credit repair companies

The Parker Method formerly known as AZ Credit Medix, LLC logo

The Parker Method formerly known as AZ Credit Medix, LLC

AZ Credit Medix (rebranded as The Parker Method) is a credit restoration and debt negotiation firm offering credit report dispute services, business credit help, and financial guidance.

4.8/5

Google rating from 20 reviews

BBB: NR

Profile signals: Consumers with credit report errors or negative items who prefer professional representation over self-filing disputes, Business owners seeking to build or repair business credit alongside personal credit restoration

National Credit Care logo

National Credit Care

National Credit Care is a Tempe, AZ-based credit repair firm. BBB A+ accredited. 2,180 Google reviews. Nationwide service with professional dispute services.

4.6/5

Google rating from 2,180 reviews

BBB: A+

Profile signals: Consumers nationwide seeking BBB A+-accredited credit repair, Individuals with credit report errors needing dispute assistance

ACE Cash Express logo

ACE Cash Express

Tempe, AZ ACE Cash Express at 1750 S Rural Rd offers payday and title-loan profile details with provider-stated funding timing.

BBB: NR

Profile signals: Consumers needing emergency-cash timing to verify for unexpected expenses, Vehicle owners seeking title-based collateral loans with published application timing

Business debt mediation helping small businesses avoid bankruptcy. Best debt settlement company. Corporate debt restructuring. logo

Business debt mediation helping small businesses avoid bankruptcy. Best debt settlement company. Corporate debt restructuring.

Review this provider profile and compare source-linked details before choosing what to do next.

BBB: NR

Profile signals: Small business owners seeking debt restructuring alternatives (cannot recommend without verification), Companies with multiple creditors seeking negotiated settlements (requires operational verification first)

CASH 1 Loans logo

CASH 1 Loans

CASH 1 Loans Tempe, Arizona — CASH 1 Loans offers personal loans ($50–$1,000) and auto title loans up to $50,000 at Nevada storefronts, with same-day fu...

BBB: NR

Profile signals: Nevada residents with bad or no credit who need $50–$1,000 quickly, Vehicle owners who hold a clear title and are researching emergency-cash options up to $50,000

Emergency Cash in Tempe

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ACE Cash Express logo

ACE Cash Express

Tempe, AZ ACE Cash Express at 1750 S Rural Rd offers payday and title-loan profile details with provider-stated funding timing.

BBB: NR

Profile signals: Consumers needing emergency-cash timing to verify for unexpected expenses, Vehicle owners seeking title-based collateral loans with published application timing

CASH 1 Loans logo

CASH 1 Loans

CASH 1 Loans Tempe, Arizona — CASH 1 Loans offers personal loans ($50–$1,000) and auto title loans up to $50,000 at Nevada storefronts, with same-day fu...

BBB: NR

Profile signals: Nevada residents with bad or no credit who need $50–$1,000 quickly, Vehicle owners who hold a clear title and are researching emergency-cash options up to $50,000

Max Cash Title Loans - Tempe logo

Max Cash Title Loans - Tempe

Max Cash offers title loans in Tempe, AZ with rate claims to verify and convenient terms for those needing fast emergency cash using their vehicle as collateral.

BBB: NR

Profile signals: Vehicle owners with short-term cash needs who have limited traditional lending options, Borrowers with poor credit who cannot qualify for personal loans or credit lines

Rapid Cash Loans logo

Rapid Cash Loans

Speedy Cash offers payday loans, title loans, installment loans, and check cashing services across 30+ states with provider-stated funding timing for emergency cash needs.

BBB: NR

Profile signals: Workers facing a one-time emergency (medical bill, car repair, eviction notice) with documented income and ability to repay by next payday, Borrowers who own vehicles and need larger loans ($1,000+) and prefer installment repayment over lump-sum payday obligation

Southwest Title Loans logo

Southwest Title Loans

Southwest Title Loans Tempe, Arizona — Southwest Title Loans provides title and registration loans across 7 Arizona locations with same-day or quick fun...

BBB: NR

Profile signals: Arizona residents needing immediate emergency cash with vehicle collateral, Borrowers unable to qualify for traditional bank or credit union loans

TitleMax Title Loans logo

TitleMax Title Loans

Tempe's TitleMax Title Loans store at 2404 N Scottsdale Rd offers quick vehicle title loans.

BBB: NR

Profile signals: Vehicle owners with a clear (paid-off) title who are comparing same-day claims, Borrowers with poor or thin credit history who may not meet traditional personal-loan criteria

Credit Repair in Tempe

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The Credit Clinic logo

The Credit Clinic

The Credit Clinic is an educational resource and comparison platform that reviews and recommends credit repair services rather than providing direct credit repair services itself.

4.9/5

Google rating from 75 reviews

BBB: NR

Profile signals: Consumers new to credit repair seeking basic education about the process, Individuals looking for a starting point to compare multiple credit repair companies

The Parker Method formerly known as AZ Credit Medix, LLC logo

The Parker Method formerly known as AZ Credit Medix, LLC

AZ Credit Medix (rebranded as The Parker Method) is a credit restoration and debt negotiation firm offering credit report dispute services, business credit help, and financial guidance.

4.8/5

Google rating from 20 reviews

BBB: NR

Profile signals: Consumers with credit report errors or negative items who prefer professional representation over self-filing disputes, Business owners seeking to build or repair business credit alongside personal credit restoration

National Credit Care logo

National Credit Care

National Credit Care is a Tempe, AZ-based credit repair firm. BBB A+ accredited. 2,180 Google reviews. Nationwide service with professional dispute services.

4.6/5

Google rating from 2,180 reviews

BBB: A+

Profile signals: Consumers nationwide seeking BBB A+-accredited credit repair, Individuals with credit report errors needing dispute assistance

Pawn Shops in Tempe

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Pawn1st logo

Pawn1st

Visit Pawn1st in Tempe, AZ at 234 W Southern Ave for short-term cash access for jewelry, electronics, and sporting goods.

BBB: NR

Profile signals: Individuals with valuable items (jewelry, electronics, musical instruments) comparing emergency-cash timing, Credit-constrained consumers unable to qualify for traditional personal or payday loans

SuperPawn logo

SuperPawn

Tempe, AZ SuperPawn at 2707 W Southern Ave provides pawn loans, jewelry, electronics, and short-term cash access advances with convenient extended hours.

BBB: NR

Profile signals: Consumers with poor credit or no credit history who are researching short-term cash access with eligibility claims to verify, People with valuable personal property (jewelry, electronics, tools) who can afford to temporarily part with items

Tempe Pawn & Gold logo

Tempe Pawn & Gold

Tempe Pawn & Gold is a collateral-based lender and precious metals buyer offering pawn loans, title loans, and cash for gold, jewelry, and electronics in the Phoenix metropolitan area.

BBB: NR

Profile signals: Consumers researching emergency-cash options in 24-48 hours with eligibility claims to verify (e.g., medical bills, urgent repairs), People with items of value (jewelry, electronics, tools) they can temporarily part with and later reclaim

Business Loans in Tempe

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Business debt mediation helping small businesses avoid bankruptcy. Best debt settlement company. Corporate debt restructuring. logo

Business debt mediation helping small businesses avoid bankruptcy. Best debt settlement company. Corporate debt restructuring.

Review this provider profile and compare source-linked details before choosing what to do next.

BBB: NR

Profile signals: Small business owners seeking debt restructuring alternatives (cannot recommend without verification), Companies with multiple creditors seeking negotiated settlements (requires operational verification first)

Check Cashing & Money Services in Tempe

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CheckSmart logo

CheckSmart

Tempe, AZ's CheckSmart at 131 E Southern Ave offers check cashing, payday loans, and money transfer services for local residents.

BBB: NR

Profile signals: Unbanked or underbanked Ohio residents who need in-person check cashing or money services, Consumers who need multiple financial services — cashing, bill pay, wire transfer — in a single visit

Credit Unions in Tempe

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Landings logo

Landings

Landings Credit Union is a member-owned financial cooperative offering checking, savings, loans, mortgages, and credit cards with rate claims to verify and personalized service.

BBB: NR

Profile signals: Existing or prospective credit union members seeking competitive deposit rates and loan products, Homebuyers and homeowners interested in mortgage refinancing or home improvement financing

Free Help in Tempe

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Newtown Community Development Corporation logo

Newtown Community Development Corporation

Non-profit community development corporation offering HUD-approved housing counseling, credit counseling, and down-payment assistance up to $30,000 for homebuyers in Arizona.

BBB: NR

Profile signals: First-time homebuyers in Arizona looking for down-payment assistance and education, Individuals with poor credit seeking free counseling and a structured plan with credit-score context to review

Your Rights in Arizona

Arizona Consumer Protections: Arizona banned payday lending in 2010, providing strong consumer-protection context against high-cost short-term loans. Consumer loans are capped at 36% APR under state law. Residents can file complaints with the Department of Insurance and Financial Institutions or the Attorney General's Consumer Protection Division.

Interest Rate Cap: Arizona usury cap: 36% APR cap on consumer loans; payday lending banned since 2010. Payday lending is banned in this state.

Key Regulations:
  • Payday lending has been banned since July 2010 when the enabling statute expired.
  • Consumer lenders must be licensed under the Consumer Lenders Act with a 36% APR cap.
  • Title loans are legal but regulated with licensing requirements.
  • The Arizona Consumer Fraud Act provides broad consumer-protection context against deceptive lending.

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 Arizona 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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