Compare 862 credit repair companies, personal lenders, and financial services across 172 cities in NY.
862
Listed Companies
172
Cities Covered
15
Service Categories
710
Avg Credit Score
Use this state page as a regulatory and directory starting point, then compare local city pages, relevant categories, borrower questions, and CreditDoc data explainers. These links provide research context, not a recommendation, approval prediction, price quote, or licensing determination.
Public economic snapshot for New York residents. Use these figures alongside city-level provider comparisons and state regulatory rules to frame a borrowing decision. Every field below is public data and is updated on periodic refresh.
Median Income
$75,910
Poverty Rate
12.7%
Unbanked Rate
4.6%
Avg Credit Score
710
Usury Cap
16% civil usury; 25% criminal usury; payday lending banned
Payday Loans
Banned
New York consumer protections: New York bans payday lending through its 16% civil usury and 25% criminal usury caps. The Department of Financial Services aggressively pursues illegal online payday lenders. Consumers have strong protections under state law and can file complaints with DFS or the Attorney General.
Primary state agency: New York Attorney General Consumer Frauds Bureau — file complaints or check licensing at https://ag.ny.gov/resources/individuals/consumer-issues.
Licensing board: New York Department of Financial Services. Every consumer lender and credit repair provider operating in New York should be licensed with this agency. If a provider cannot give you their New York license number in writing, treat it as a red flag.
Below are the state-level rules that govern New York lenders and credit repair providers. These are separate from the federal Fair Credit Reporting Act (FCRA) and Credit Repair Organizations Act (CROA) protections that apply to every US consumer.
Governing statute: New York Credit Services Business Act (N.Y. Gen. Bus. Law Article 28-BB, §§ 458-a through 458-k).
Upfront fees: Prohibited. No credit repair company may collect payment before services are performed.
Cancellation window: 3-day cancellation period from contract signing.
Bond requirement: Credit repair companies must post a $10,000 bond with the New York state to operate.
Registration: Credit repair companies must register with New York Department of Financial Services before serving New York consumers.
10 highest-rated New York providers with verified public review signals. Sorted by stored Google rating.
★ 5.0 · 1 reviews
Business funding provider offering small business loans, merchant cash advances, lines of credit, and payment processing solutions with streamlined approval processes. Review pricing, refund terms, licensing, and public complaint context on the full profile before contacting a New York provider. Every New York listing on CreditDoc links to source-cited fields.
View Details →★ 4.9 · 144 reviews
Actors Federal Credit Union is a specialized credit union founded in 1962 serving artists and performers with competitive rates on checking, savings, mortgages, and auto loans. Review pricing, refund terms, licensing, and public complaint context on the full profile before contacting a New York provider. Every New York listing on CreditDoc links to source-cited fields.
View Details →★ 4.9 · 158 reviews
AltoCredit is a credit repair provider based in Bronx, New York. Rated 4.9/5 with 158 Google reviews, reflecting exceptional customer satisfaction. Review pricing, refund terms, licensing, and public complaint context on the full profile before contacting a New York provider. Every New York listing on CreditDoc links to source-cited fields.
View Details →★ 4.8 · 45 reviews
American Merchant Capital Group offers small business financing including term loans, SBA loans, equipment financing, and working capital solutions with streamlined online applications. Review pricing, refund terms, licensing, and public complaint context on the full profile before contacting a New York provider. Every New York listing on CreditDoc links to source-cited fields.
View Details →★ 4.8 · 240 reviews
Brooklyn-based debt settlement firm negotiating with creditors to reduce unsecured balances since 2004. Claims $100M+ settled across credit cards, personal loans, medical bills, and business debt. Review pricing, refund terms, licensing, and public complaint context on the full profile before contacting a New York provider. Every New York listing on CreditDoc links to source-cited fields.
View Details →★ 4.5 · 16 reviews
Accompany Capital is a New York-based CDFI providing affordable small business loans, financial training, and capacity-building services to underserved entrepreneurs, refugees, and women business owners for over 20 years. Review pricing, refund terms, licensing, and public complaint context on the full profile before contacting a New York provider. Every New York listing on CreditDoc links to source-cited fields.
View Details →★ 4.2 · 70 reviews
Abacus Federal Savings Bank is a full-service community bank founded in 1984, serving Chinese immigrants and residents across New York, New Jersey, and Pennsylvania with deposit accounts, mortgages, and business banking services. Review pricing, refund terms, licensing, and public complaint context on the full profile before contacting a New York provider. Every New York listing on CreditDoc links to source-cited fields.
View Details →★ 3.5 · 29 reviews
Advantage Merchant Funding provides merchant cash advances, small business loans, and lines of credit with rapid approval and funding timelines. Review pricing, refund terms, licensing, and public complaint context on the full profile before contacting a New York provider. Every New York listing on CreditDoc links to source-cited fields.
View Details →★ 3.4 · 50 reviews
I AM Federal Credit Union (formerly 1199 SEIU FCU) is a member-owned credit union offering checking, savings, CDs, mortgages, and digital banking services with fee-free ATM access. Review pricing, refund terms, licensing, and public complaint context on the full profile before contacting a New York provider. Every New York listing on CreditDoc links to source-cited fields.
View Details →★ 2.3 · 239 reviews
American Express is a global financial services company issuing premium and everyday credit cards, offering rewards programs, banking products, and travel benefits. Review pricing, refund terms, licensing, and public complaint context on the full profile before contacting a New York provider. Every New York listing on CreditDoc links to source-cited fields.
View Details →CreditDoc lists 862 financial-service providers across 15 categories in New York. Jump to a category to compare listed providers side by side. Each category directory below shows the New York providers sorted by public review signal, with pricing, licensing, and refund-policy context on every profile. Comparing at least three providers within a category is the fastest way to spot outliers on cost or terms in the New York market.
Banks
14 listed providers in New York — sorted by public review signal on the category page.
Credit Unions
11 listed providers in New York — sorted by public review signal on the category page.
Pawn Shops
7 listed providers in New York — sorted by public review signal on the category page.
Check Cashing & Money Services
7 listed providers in New York — sorted by public review signal on the category page.
Business Loans
5 listed providers in New York — sorted by public review signal on the category page.
Credit Repair
3 listed providers in New York — sorted by public review signal on the category page.
Free Help
3 listed providers in New York — sorted by public review signal on the category page.
ATMs & Cash Access
2 listed providers in New York — sorted by public review signal on the category page.
Debt Relief
2 listed providers in New York — sorted by public review signal on the category page.
Bankruptcy Services
1 listed provider in New York — sorted by public review signal on the category page.
fix-my-credit
1 listed provider in New York — sorted by public review signal on the category page.
Personal Loans
1 listed provider in New York — sorted by public review signal on the category page.
Emergency Cash
1 listed provider in New York — sorted by public review signal on the category page.
Mortgages & Home Loans
1 listed provider in New York — sorted by public review signal on the category page.
Credit Cards
1 listed provider in New York — sorted by public review signal on the category page.
Browse local financial services by city. Each New York city page shows top lenders, credit repair providers, and category groups with local licensing context. Local lending markets vary within New York — providers that operate in New York may not have branches or licenses to serve other New York cities. Use the city-level pages to filter for providers actually operating in your local market. The chips below are ordered by the number of listed providers CreditDoc has in each city.
Federal + state protections for New York consumers: The Fair Credit Reporting Act (FCRA) gives New York residents the right to dispute inaccurate credit report information for free with all three credit bureaus. The Credit Repair Organizations Act (CROA) makes it illegal for any credit repair provider — in New York or elsewhere — to charge before services are performed, and requires a written three-day cancellation window. New York may add its own state-level requirements on top of these federal rules: check the New York lending-laws page for the current usury cap, credit repair bond requirements, and payday-lending status.
Before signing any New York lending or credit-repair contract: confirm the annual percentage rate (APR) in writing, confirm all fees (origination, processing, prepayment, late), confirm the payment schedule, confirm total amount paid over the life of the loan, and confirm the refund policy. Cross-check the provider's license with the New York state financial services agency. If a New York lender is offering short-term or payday-alternative products, ask what happens if you cannot pay on the due date. Providers that are transparent about pricing and licensing will match this same level of preparation on their side.
Where New York residents can escalate a dispute: for credit report inaccuracies, dispute directly with Equifax, Experian, and TransUnion — this is free and does not require a paid intermediary. For lender misconduct, file a complaint with the New York state financial services agency AND the Consumer Financial Protection Bureau at consumerfinance.gov/complaint. For federally-regulated banks operating in New York, the Office of the Comptroller of the Currency (OCC) accepts complaints. For credit unions, the National Credit Union Administration (NCUA). All four bodies accept complaints from New York consumers at no cost.
Free resources for New York residents: get a free credit report annually at AnnualCreditReport.com — the only federally-authorized free credit-report site. HUD-approved counselors offer free housing, debt, and budgeting guidance through consumerfinance.gov/housing/. Every New York lender profile on CreditDoc links directly to these sources where the data is available.
Start by pulling all three credit reports for free at AnnualCreditReport.com and identifying the specific errors, collections, or negative items you want disputed. Then compare New York credit repair companies on four criteria: (1) do they operate under a written contract with a clear scope of work, (2) do they list monthly pricing plus setup fees transparently rather than requiring a phone consultation to get numbers, (3) do they publish a refund policy in writing, and (4) do they hold any New York state licensing or Better Business Bureau accreditation. Under the federal Credit Repair Organizations Act (CROA), it is illegal for any credit repair provider — in New York or elsewhere — to charge you before services are performed, and every contract must include a three-business-day cancellation window.
Payday loan legality varies significantly by state. New York has its own payday-lending rules — some states cap short-term loan interest rates through usury laws, some have banned payday lending entirely, and others restrict loan size, term length, or rollover count. Check the New York lending-laws page linked above for the current status. If a New York lender is offering a short-term loan at an APR you cannot easily calculate from the disclosure, ask them to write the effective APR in the contract before signing. When payday lending is restricted or banned in New York, safer alternatives include payday alternative loans (PALs) offered by federally-insured credit unions.
Personal loans in New York are offered by traditional banks, credit unions, online lenders, and community development financial institutions (CDFIs). Rate ranges depend heavily on credit score, income stability, and loan term. New York consumers with lower credit scores should compare CDFI options and credit-union personal loans before accepting a first offer from a subprime online lender — CDFIs and credit unions typically have both lower rates and softer eligibility thresholds. Use the CreditDoc borrowing power quiz to estimate the loan size and monthly payment that match your income before browsing offers, and cross-check every lender against the New York state financial services agency to confirm they are licensed to lend in New York.
Three quick checks: (1) search the New York Department of Financial Services (or equivalent state licensing board) for the lender's active license number — every consumer lender operating in New York should be licensed with the state, (2) look up the lender in the CFPB Consumer Complaint Database at consumerfinance.gov/complaint — a pattern of unresolved complaints against a specific lender is a strong signal, and (3) look up the lender in the Better Business Bureau — BBB does not verify quality but does verify that the business exists at its stated address. Every New York lender profile on CreditDoc links directly to these sources where the data is available.
Multiple free options are available to New York residents. For any consumer lender or credit repair provider, the Consumer Financial Protection Bureau accepts complaints at consumerfinance.gov/complaint — CFPB routinely reaches out to the provider within 15 days and posts a public complaint record. For federally-regulated national banks, complain to the Office of the Comptroller of the Currency (OCC). For federal credit unions, complain to the National Credit Union Administration (NCUA). For state-licensed lenders and credit repair providers, the New York state financial services agency has its own complaint intake process. All four bodies accept complaints from New York consumers at no cost.
Start with the category, not the provider name. Choose the category that matches your goal — credit repair, personal loans, debt relief, business loans, credit unions, mortgages, or another. Every category directory linked above shows the New York providers listed by CreditDoc side-by-side, so you can compare pricing, licensing, and public review signals in one place before contacting anyone. This is much faster than filtering by provider name and often surfaces smaller local options that would never show up in a name-based search.
Then narrow to your city. Local lending markets in New York differ by city — rate ranges, licensing enforcement, and provider mix all vary. If you live in a major New York metro, the city page linked above will let you filter to providers actually operating in that market. Local providers are often cheaper for pawn, title, and short-term cash products because they compete on price with each other; large national providers are often cheaper for personal loans and business loans because they compete on scale.
Confirm licensing before any first meeting. Every consumer lender and credit-repair company operating in New York should hold an active state license. The New York state financial services agency publishes a searchable license lookup. If a provider cannot give you their New York license number in writing, they may not be authorized to serve New York residents, and any contract you sign with them may not be enforceable under New York law.
Never pay upfront for credit repair. This is worth repeating: under CROA, no credit repair company in New York or any other state may collect fees before performing services. If a New York provider asks for full payment or a large deposit before doing any work, they are in violation of federal law and you should walk away.
Free annual credit reports: AnnualCreditReport.com is the only federally-authorized site for a free credit report from all three bureaus (Equifax, Experian, TransUnion). This is available to every New York resident at no cost, without a subscription, and without any credit-repair company acting as an intermediary. Pulling all three reports before contacting any New York lender is the fastest way to identify errors that will affect your rate offer.
Free credit counseling in New York: HUD-approved credit counseling agencies offer no-cost budgeting help, debt management plans, and homebuyer counseling. Locate a HUD-approved counselor in New York at consumerfinance.gov/housing. These agencies are non-profit and are supervised by federal regulators, so their advice does not carry the sales pressure of a for-profit credit repair or debt relief company.
CFPB Consumer Complaint Database: Every New York lender, bank, credit repair company, debt collector, and money transmitter is searchable in the CFPB public complaint database at consumerfinance.gov/data-research/consumer-complaints. Before signing with a provider, spend five minutes searching their name — a pattern of unresolved complaints against a specific provider is one of the strongest signals available to New York consumers.
New York state financial services agency: for state-licensed lenders and credit repair providers, the New York state agency has its own complaint intake and licensing lookup. This is separate from CFPB and often handles state-specific issues (usury cap violations, unlicensed operations, New York-specific credit repair rules) faster than the federal process.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to products and services featured on this page. Compensation does not determine whether a provider can be covered or how visible star ratings are calculated. Learn more.