Winter Park, FL

Credit Repair & Financial Services in Winter Park

Review 8 credit repair companies, personal lenders, and financial services in Winter Park, 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 Winter Park

8 companies
Consumer Debt Counselors, Inc. logo

Consumer Debt Counselors, Inc.

ISO-9001 accredited nonprofit credit counseling agency offering free consultations, debt management, and HUD-approved housing counseling to help consumers achieve financial stability.

4.7/5

Google rating from 87 reviews

BBB: NR

Profile signals: Consumers seeking free, unbiased debt management education and budget counseling, Homebuyers needing pre-purchase credit preparation and down payment assistance guidance

Commerce Bank & Trust logo

Commerce Bank & Trust

FDIC-insured community bank in Winter Park, FL offering personal and business checking, savings, loans, and investment products with local decision-making.

BBB: NR

Profile signals: Small business owners and professionals in Central Florida seeking relationship-based commercial banking, Central Florida residents who value local community bank ownership and decision-making over national chain banks

Consumer Debt Counselors, Inc logo

Consumer Debt Counselors, Inc

ISO-9001 accredited nonprofit credit counseling agency offering free consultations, debt management, and HUD-approved housing counseling to help consumers achieve financial stability.

BBB: NR

Profile signals: Consumers overwhelmed by debt who need free guidance before committing to debt settlement or consolidation, First-time homebuyers seeking HUD-approved counseling on credit preparation and down payment assistance

Loans of Florida, LLC. logo

Loans of Florida, LLC.

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

BBB: NR

Profile signals: Borrowers with fair to good credit, People consolidating debt or funding large purchases

MoneyGram logo

MoneyGram

MoneyGram operates a nationwide network of money transfer and cash services locations, including partnerships with retailers like CVS, enabling consumers to send/receive money and access cash services conveniently.

BBB: NR

Profile signals: Unbanked and underbanked consumers researching short-term cash access without bank account requirements, Individuals sending domestic or international money transfers to family or friends

My Payday Loan Relief logo

My Payday Loan Relief

My Payday Loan Relief specializes in consolidating and settling payday loan debt through individualized counseling and lower monthly payment plans.

BBB: NR

Profile signals: Consumers with multiple payday loans seeking consolidation into a single payment, People experiencing frequent collection calls from payday lenders

Banks in Winter Park

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Commerce Bank & Trust logo

Commerce Bank & Trust

FDIC-insured community bank in Winter Park, FL offering personal and business checking, savings, loans, and investment products with local decision-making.

BBB: NR

Profile signals: Small business owners and professionals in Central Florida seeking relationship-based commercial banking, Central Florida residents who value local community bank ownership and decision-making over national chain banks

Winter Park National Bank logo

Winter Park National Bank

Winter Park National Bank is a community bank serving the Winter Park, Florida area with multiple branches, online banking, and business-focused financial services.

BBB: NR

Profile signals: Small business owners in central Florida seeking relationship-based banking, Established individuals and families preferring personal banker relationships

Free Help in Winter Park

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Consumer Debt Counselors, Inc. logo

Consumer Debt Counselors, Inc.

ISO-9001 accredited nonprofit credit counseling agency offering free consultations, debt management, and HUD-approved housing counseling to help consumers achieve financial stability.

4.7/5

Google rating from 87 reviews

BBB: NR

Profile signals: Consumers seeking free, unbiased debt management education and budget counseling, Homebuyers needing pre-purchase credit preparation and down payment assistance guidance

Consumer Debt Counselors, Inc logo

Consumer Debt Counselors, Inc

ISO-9001 accredited nonprofit credit counseling agency offering free consultations, debt management, and HUD-approved housing counseling to help consumers achieve financial stability.

BBB: NR

Profile signals: Consumers overwhelmed by debt who need free guidance before committing to debt settlement or consolidation, First-time homebuyers seeking HUD-approved counseling on credit preparation and down payment assistance

Personal Loans in Winter Park

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Loans of Florida, LLC. logo

Loans of Florida, LLC.

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

BBB: NR

Profile signals: Borrowers with fair to good credit, People consolidating debt or funding large purchases

Check Cashing & Money Services in Winter Park

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MoneyGram logo

MoneyGram

MoneyGram operates a nationwide network of money transfer and cash services locations, including partnerships with retailers like CVS, enabling consumers to send/receive money and access cash services conveniently.

BBB: NR

Profile signals: Unbanked and underbanked consumers researching short-term cash access without bank account requirements, Individuals sending domestic or international money transfers to family or friends

Debt Relief in Winter Park

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My Payday Loan Relief logo

My Payday Loan Relief

My Payday Loan Relief specializes in consolidating and settling payday loan debt through individualized counseling and lower monthly payment plans.

BBB: NR

Profile signals: Consumers with multiple payday loans seeking consolidation into a single payment, People experiencing frequent collection calls from payday lenders

Pawn Shops in Winter Park

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Value Pawn & Jewelry logo

Value Pawn & Jewelry

Winter Park's Value Pawn & Jewelry at 415 N Semoran Blvd offers short-term cash access loans and jewelry purchases Mon-Sat 10am-6pm.

BBB: NR

Profile signals: Customers with urgent expense research and valuable items who cannot access traditional loans, People selling gold, diamonds, or jewelry who want evaluation context and immediate payment

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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