Tulsa, OK

Credit Repair & Financial Services in Tulsa

Compare 6 credit repair companies, personal lenders, and financial services in Tulsa, Oklahoma. All independently reviewed with BBB ratings and pricing.

Oklahoma avg credit score: 692 Median income: $61,364 Poverty rate: 14.5% Payday loans: Legal Oklahoma overview →

Top Rated in Tulsa

6 companies
Quickcert, Inc. logo

Quickcert, Inc.

QuickCert provides HUD-approved reverse mortgage counseling nationwide with same-day service. Operating as a 501(c)(3) nonprofit, they specialize in HECM (Home Equity Conversion Mortgage) counseling.

3.8/5
Contact BBB: NR

Best for: Seniors age 62+ considering a reverse mortgage who need mandatory HUD-approved counseling, Homeowners nationwide seeking quick turnaround on required pre-loan counseling sessions

American Bank And Trust Company logo

American Bank And Trust Company

Oklahoma-based community bank offering personal and commercial checking, savings, CDs, IRAs, loans, and trust services since 1971.

3.5/5
Contact BBB:

Best for: Oklahoma-based business owners seeking commercial banking and trade finance services, Customers who value in-person relationships and local community banking over digital convenience

Bokf, National Association logo

Bokf, National Association

BOK Financial is a FDIC-insured bank offering checking, savings, CDs, HELOCs, mortgages, and wealth management services across multiple locations.

3.5/5
Contact BBB:

Best for: Consumers seeking FDIC-insured checking and savings accounts in BOK Financial's service areas, Homeowners interested in mortgages, home equity lines of credit, or home refinancing options

Grand Bank logo

Grand Bank

Family-owned bank offering traditional banking services including checking, savings, and mobile banking, with FDIC insurance protection and community-focused service.

3.5/5
Contact BBB:

Best for: Customers seeking personalized, relationship-based banking in the bank's service area, Community-minded individuals who prefer supporting local, family-owned financial institutions

Spiritbank logo

Spiritbank

Regional Oklahoma bank offering personal and business banking services across Tulsa, Sapulpa, and Bristow with over 100 years of community banking history.

3.5/5
Contact BBB:

Best for: Oklahoma-based individuals and families seeking relationship banking with community roots, Small to mid-sized Oklahoma businesses needing treasury management and business loans

Triad Bank, National Association logo

Triad Bank, National Association

Triad Bank is a community-focused bank serving Tulsa and surrounding Oklahoma areas since 1983, offering personal and business banking with mortgages, auto loans, and deposit accounts.

3.5/5
Contact BBB:

Best for: Tulsa-area residents seeking personalized mortgage and home financing with local service, Small business owners and entrepreneurs in Oklahoma wanting relationship-based commercial banking

Banks & Credit Unions in Tulsa

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American Bank And Trust Company logo

American Bank And Trust Company

Oklahoma-based community bank offering personal and commercial checking, savings, CDs, IRAs, loans, and trust services since 1971.

3.5/5
Contact BBB:

Best for: Oklahoma-based business owners seeking commercial banking and trade finance services, Customers who value in-person relationships and local community banking over digital convenience

Bokf, National Association logo

Bokf, National Association

BOK Financial is a FDIC-insured bank offering checking, savings, CDs, HELOCs, mortgages, and wealth management services across multiple locations.

3.5/5
Contact BBB:

Best for: Consumers seeking FDIC-insured checking and savings accounts in BOK Financial's service areas, Homeowners interested in mortgages, home equity lines of credit, or home refinancing options

Grand Bank logo

Grand Bank

Family-owned bank offering traditional banking services including checking, savings, and mobile banking, with FDIC insurance protection and community-focused service.

3.5/5
Contact BBB:

Best for: Customers seeking personalized, relationship-based banking in the bank's service area, Community-minded individuals who prefer supporting local, family-owned financial institutions

Spiritbank logo

Spiritbank

Regional Oklahoma bank offering personal and business banking services across Tulsa, Sapulpa, and Bristow with over 100 years of community banking history.

3.5/5
Contact BBB:

Best for: Oklahoma-based individuals and families seeking relationship banking with community roots, Small to mid-sized Oklahoma businesses needing treasury management and business loans

Triad Bank, National Association logo

Triad Bank, National Association

Triad Bank is a community-focused bank serving Tulsa and surrounding Oklahoma areas since 1983, offering personal and business banking with mortgages, auto loans, and deposit accounts.

3.5/5
Contact BBB:

Best for: Tulsa-area residents seeking personalized mortgage and home financing with local service, Small business owners and entrepreneurs in Oklahoma wanting relationship-based commercial banking

Mortgages & Home Loans in Tulsa

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Quickcert, Inc. logo

Quickcert, Inc.

QuickCert provides HUD-approved reverse mortgage counseling nationwide with same-day service. Operating as a 501(c)(3) nonprofit, they specialize in HECM (Home Equity Conversion Mortgage) counseling.

3.8/5
Contact BBB: NR

Best for: Seniors age 62+ considering a reverse mortgage who need mandatory HUD-approved counseling, Homeowners nationwide seeking quick turnaround on required pre-loan counseling sessions

Your Rights in Oklahoma

Oklahoma Consumer Protections: Oklahoma allows payday lending with a $500 cap and tiered fee structure. Borrowers are limited to two outstanding loans at a time. The Department of Consumer Credit regulates lenders, and complaints can be filed with the Department or the Attorney General.

Interest Rate Cap: Oklahoma usury cap: 6% default rate; payday loans capped at $500 with $15 per $100 fee for first $300.

Key Regulations:
  • Payday loans (deferred deposit lending) capped at $500 with tiered fees: $15 per $100 on first $300, $10 per $100 on balance.
  • Maximum loan term is 12-45 days.
  • Borrowers may not have more than two outstanding payday loans at once.
  • The Oklahoma Deferred Deposit Lending Act regulates all payday lenders.

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 Oklahoma Attorney General Consumer Protection Unit.

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