Compare 137 credit repair companies, personal lenders, and financial services in Miami, Florida. All independently reviewed with BBB ratings and pricing.
Florida consumer law firm providing attorney-led bankruptcy, debt defense, and foreclosure defense across the state. Free initial consultation available.
Best for: Florida residents facing Chapter 7 or Chapter 13 bankruptcy, Homeowners in foreclosure seeking legal defense or loan modification
Miami pawn shop specializing in Rolex watches, gold jewelry, and luxury goods — offering collateral loans, buying/selling, and watch repair.
Best for: Miami-area residents needing immediate cash who own Rolex watches, gold jewelry, or designer handbags, Buyers seeking pre-owned Rolex or Cartier timepieces at below-retail prices from a specialist dealer
AA Credit Union is a federally insured credit union offering checking, savings, auto loans, mortgages, and credit cards to members. Headquartered with a 90-year history, it serves individuals and businesses.
Best for: Individuals seeking competitive auto financing with established credit history, Homebuyers comparing mortgage options with multiple term and rate structures
Debt Consolidation US offers free debt consolidation and credit card consolidation services in Miami, Florida, connecting consumers with debt professionals to reduce payments and avoid bankruptcy.
Best for: Miami and Florida residents with $10K-$100K+ in credit card debt seeking consolidation options, Consumers overwhelmed by multiple creditors who want free initial guidance before committing
Miami family-owned pawn chain offering collateral-based loans and buying/selling gold, jewelry, diamonds, luxury watches, firearms, and electronics across multiple Miami-Dade locations.
Best for: Miami-area residents who need immediate cash against collateral without a credit check or application process, Buyers seeking discounted pre-owned gold, loose diamonds, luxury watches, or jewelry in Miami-Dade County
OnMortgage LLC (DBA Miami Mortgage Brokers) is a licensed wholesale mortgage brokerage connecting FL borrowers with multiple lenders for home purchase and refinance loans.
Best for: Self-employed borrowers who cannot document income through traditional W-2s or tax returns, Real estate investors seeking DSCR loans based on rental income rather than personal income
Miami pawn shop specializing in Rolex watches, gold jewelry, and luxury goods — offering collateral loans, buying/selling, and watch repair.
Best for: Miami-area residents needing immediate cash who own Rolex watches, gold jewelry, or designer handbags, Buyers seeking pre-owned Rolex or Cartier timepieces at below-retail prices from a specialist dealer
Miami family-owned pawn chain offering collateral-based loans and buying/selling gold, jewelry, diamonds, luxury watches, firearms, and electronics across multiple Miami-Dade locations.
Best for: Miami-area residents who need immediate cash against collateral without a credit check or application process, Buyers seeking discounted pre-owned gold, loose diamonds, luxury watches, or jewelry in Miami-Dade County
Miami-based pawn shop specializing in luxury watches, diamonds, and custom jewelry with repair and fabrication services. Offers collateral-based loans on high-value items.
Best for: Luxury watch or diamond owners needing immediate cash against high-value collateral, Consumers seeking jewelry repair, custom engraving, or Cuban link fabrication in Miami
All Pawns Wanted is a pawn shop, gun store, and jewelry retailer in Cutler Bay, FL offering fast cash for valuables, firearms sales, and jewelry services.
Best for: Firearms enthusiasts and buyers seeking new/used gun inventory with staff consultation, Gold and jewelry sellers needing immediate cash for items in the Cutler Bay/South Florida area
Bustamante Pawnshop and Jewelry is a Miami-based pawn shop offering collateral-based loans and jewelry sales with a 5.0-star rating from 27 reviews.
Best for: Individuals needing immediate emergency cash who own jewelry or valuable items, Consumers with poor credit history unable to qualify for traditional personal loans
Cachirulo Joyeria is a pawn shop located in Miami, FL specializing in jewelry and collateral-based lending services.
Best for: Miami residents needing immediate cash for jewelry or collateral they own, Individuals without access to traditional bank lending or credit
South Florida check cashing chain (est. 1986) with 37 locations offering same-day check cashing, payday loans, Western Union transfers, and currency exchange for unbanked consumers.
Best for: Unbanked South Florida residents who need to cash checks immediately without a bank account, Consumers needing a small short-term loan (up to $500) with same-day cash and poor or no credit
Check Cashing USA offers check cashing, payday loans, installment loans, and money transfer services across 36 South Florida locations with same-day funding.
Best for: Unbanked or underbanked South Florida residents who need immediate check cashing without account requirements, Workers with irregular income who need same-day access to paycheck funds
Check Cashing USA offers check cashing, payday loans, installment loans, and money transfer services across 36 South Florida locations with same-day funding.
Best for: Individuals with immediate check-cashing needs who want to avoid bank delays or fees, South Florida residents needing multiple financial services consolidated in one location
Currency exchange service in Miami's Bayside Marketplace offering USD conversions to major currencies with same-day cash withdrawal for tourists and residents.
Best for: Cruise ship passengers arriving at Miami port needing same-day USD-to-foreign currency exchange, International tourists staying in Downtown Miami or near Bayside Marketplace requiring quick cash exchanges
Euro Exchange USA offers currency exchange services across 30+ currencies with physical locations in Florida and international presence. They provide competitive rates for travelers and businesses needing foreign currency.
Best for: International travelers based in or visiting South Florida needing competitive currency exchange before trips, Business clients conducting international transactions and needing multiple currency holdings
Florida Check Cashing® offers check cashing, money orders, wire transfers, and bill payment services with no bank account required and fast approval.
Best for: Unbanked individuals without traditional bank accounts who need immediate cash access, Small business owners needing to cash business checks quickly without banking delays
National payday and installment lender with 700+ stores offering same-day cash, check cashing, prepaid cards, and financial services for underbanked consumers.
Best for: Unbanked or underbanked consumers who need immediate cash without a traditional bank account, Borrowers with poor credit who cannot qualify for conventional personal loans
Advance America is a major payday and short-term lender offering $100–$2,000 payday loans, installment loans, and lines of credit at 800+ stores in 27 states.
Best for: Consumers facing a genuine short-term cash emergency with no access to lower-cost credit options, Underbanked or credit-limited individuals who cannot qualify for a traditional bank loan or credit card
ACE Cash Express offers small emergency loans, title loans, check cashing, and financial services through physical store locations across multiple states.
Best for: Consumers needing immediate cash within 24 hours for emergency expenses, Customers who prefer in-person service and immediate cash pickup over online-only lenders
Advance America is a national payday and installment lender offering same-day personal loans up to $1,000 and title loans up to $25,000 in-store and online.
Best for: Borrowers needing $100–$500 before their next paycheck with no time for a bank loan, Vehicle owners with a paid-off car seeking larger emergency funds ($2K–$25K)
Amscot offers payday loans up to $500 and installment loans up to $1,000 with no credit checks at 365 locations across Florida, including same-day cash disbursement.
Best for: Florida residents facing unexpected emergencies who need cash within hours and have no access to traditional credit, Consumers with poor or no credit history who cannot qualify for credit cards, personal loans, or bank overdraft protection
Easy Cash offers title loans up to $15,000 and payday loans up to $1,100 with approval in as little as 30 minutes at their Miami location.
Best for: Consumers with immediate emergency cash needs requiring same-day funding, Vehicle owners needing larger loan amounts ($5,000-$15,000) willing to pledge collateral
Miami-based women-owned credit repair firm founded in 2016, disputing negative items and providing credit counseling, education, and free consultations.
Best for: Miami-area consumers who prefer working with a local, in-person credit repair firm, Active military members and veterans seeking a credit repair provider with a military discount
Credit by Curel is a Miami-based credit repair company offering credit dispute and restoration services to help consumers improve their credit reports and scores.
Best for: Miami-area residents with inaccurate negative items on their credit reports, Consumers seeking in-person credit repair consultation and services
Credit Restore USA offers credit repair and counseling services in Miami, FL, helping consumers dispute errors and improve their credit profiles through professional dispute assistance.
Best for: Miami-area residents seeking in-person credit repair consultations, Consumers with credit report errors who prefer local, face-to-face service
DEH Consulting Services offers credit repair programs with monthly subscription plans ranging from $29.90–$39.90, plus business consulting, funding assistance, and bookkeeping services in Miami, Florida.
Best for: Entrepreneurs and small business owners who need both credit repair and business consulting simultaneously, Individuals seeking educational guidance alongside dispute services rather than fully managed credit repair
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Smart Credit Solutions Corp is a national credit repair company that disputes inaccurate items on credit reports and offers debt settlement services. They work directly with credit bureaus, creditors, and collectors.
Best for: Consumers with inaccurate negative items on their credit reports who need professional dispute assistance, Individuals dealing with debt from creditors or collection agencies who want direct negotiations handled
Dynamic Capital provides revenue-based financing and business lines of credit up to $5M for small businesses, with funding decisions in under 5 minutes and cash delivery within 24 hours.
Best for: Growth-stage small businesses with consistent revenue needing flexible funding without collateral, Business owners with inconsistent monthly income who benefit from payment structures tied to actual sales
Fast Cash Funding offers merchant cash advances and cash flow credit programs to small businesses, with same-day approval available. They provide up to $1M in funding for inventory, equipment, payroll, and growth.
Best for: Small business owners who accept credit cards and need quick capital injection despite poor traditional lending options, Merchants with strong credit card sales who can sustain factor-rate repayments from future receipts
Revenue-based funding up to $15,000 (or $20,000 for repeat customers) for gig workers, 1099 contractors, and self-employed individuals — no credit score required.
Best for: 1099 workers and independent contractors needing fast working capital, Self-employed individuals with steady revenue but limited credit history
Multi-service financial firm offering mortgage services, tax preparation, business planning, and retirement consulting for consumers and small businesses.
Best for: Self-employed individuals or business owners seeking mortgages with flexible credit requirements, Small business owners needing bundled tax, registration, and business planning services
Keylias Fintech Solutions provides credit control, receivables management, and commercial debt collection services for businesses seeking to improve cash flow and recover outstanding invoices.
Best for: Small to medium-sized businesses with chronic payment delays from regular customers, Business owners seeking to outsource accounts receivable management and collections efforts
Faith-driven tax preparation and business credit service founded by entrepreneur Sarah Williams. Offers personalized tax returns, business mentorship, and credit building for individuals and small business owners.
Best for: Small business owners seeking to separate business and personal credit profiles, Individuals and families wanting personalized tax preparation with deduction optimization
OnMortgage LLC (DBA Miami Mortgage Brokers) is a licensed wholesale mortgage brokerage connecting FL borrowers with multiple lenders for home purchase and refinance loans.
Best for: Self-employed borrowers who cannot document income through traditional W-2s or tax returns, Real estate investors seeking DSCR loans based on rental income rather than personal income
D & F Lending Corporation is a Florida-based personal loan lender established in 2006, operating as an active profit corporation with consistent annual compliance filings.
Best for: Borrowers seeking personal loans from an established, state-registered Florida lender with 20+ year history, Consumers in Miami or Florida who prefer local lending institutions with documented compliance records
Drive Now Auto Finance provides auto loans for car buyers with less-than-perfect credit, offering fast pre-approval and competitive rates with multilingual support.
Best for: Non-prime credit borrowers (bad or fair credit) seeking auto financing when traditional banks deny applications, Spanish and Portuguese-speaking car buyers in Hispanic/Portuguese diaspora communities seeking culturally relevant lending support
OneMain Financial is a personal loan lender offering secured and unsecured loans from $1,500–$30,000 with fixed rates (11.99%–35.99% APR) and same-day funding available.
Best for: Borrowers with fair/poor credit seeking accessible personal loans with transparent fixed payments, Consumers preferring in-person interaction with loan specialists before committing to debt
Oportun offers personal loans with flexible payment options at hundreds of retail locations including grocery stores and pharmacies, available across most U.S. states.
Best for: Consumers without traditional bank accounts seeking convenient cash payment options, Borrowers in underserved areas with physical Oportun locations but limited online banking access
Stonebridge Financial offers personal loans primarily for debt consolidation, with a soft-pull inquiry process and flexible eligibility criteria across credit profiles.
Best for: Borrowers with poor or fair credit (below 660) seeking debt consolidation who are rejected by traditional lenders, Self-employed or military personnel whose income verification differs from W-2 employees
Florida consumer law firm providing attorney-led bankruptcy, debt defense, and foreclosure defense across the state. Free initial consultation available.
Best for: Florida residents facing Chapter 7 or Chapter 13 bankruptcy, Homeowners in foreclosure seeking legal defense or loan modification
Debt Consolidation US offers free debt consolidation and credit card consolidation services in Miami, Florida, connecting consumers with debt professionals to reduce payments and avoid bankruptcy.
Best for: Miami and Florida residents with $10K-$100K+ in credit card debt seeking consolidation options, Consumers overwhelmed by multiple creditors who want free initial guidance before committing
BrightBay Legal Funding provides pre-settlement legal funding (non-recourse cash advances) to plaintiffs awaiting case resolution, with no repayment required if the case is lost.
Best for: Personal injury plaintiffs with strong cases awaiting settlement who face immediate financial hardship, Litigation plaintiffs (civil suits) with attorney representation who need short-term cash bridge
Miami-based debt consolidation lender offering unsecured personal loans with fixed rates to combine multiple debts into single monthly payments through an online application process.
Best for: Borrowers with multiple outstanding debts seeking to consolidate into single monthly payments, Credit-eligible individuals without collateral willing to take on unsecured personal loans
Skyline Financial is a debt consulting firm that matches consumers with lenders and debt settlement providers to consolidate debt, restructure payments, and reduce interest rates.
Best for: Consumers with $10,000+ in high-interest debt seeking consolidation or restructuring options, Individuals who prefer working with a matching service rather than directly contacting multiple lenders
AA Credit Union is a federally insured credit union offering checking, savings, auto loans, mortgages, and credit cards to members. Headquartered with a 90-year history, it serves individuals and businesses.
Best for: Individuals seeking competitive auto financing with established credit history, Homebuyers comparing mortgage options with multiple term and rate structures
Chase Bank branch in Sarasota offering full-service banking with checking, savings, lending, and wealth management services. ATM available 24/7 with multilingual support.
Best for: Consumers seeking comprehensive banking services including checking, savings, lending, and investment products under one institution, Business owners needing integrated banking, payment processing, and commercial credit solutions
Dade County Federal Credit Union is a Miami-area member-owned credit union offering checking, savings, auto loans, personal loans, HELOCs, CDs, and business banking.
Best for: Miami-Dade County residents who qualify for membership and want competitive auto loan rates, Members shopping for a vehicle who want a car-buying concierge plus discounted financing through D.A.D.
Regions Bank is a full-service regional bank offering checking, savings, and branch/ATM access across multiple locations including Miami, FL.
Best for: Customers seeking traditional in-person banking with local branch access, Miami residents needing ATM networks and cash withdrawal options
Miami-based bankruptcy law firm with multiple Florida locations, offering Chapter 7 and Chapter 13 bankruptcy representation and free consultations.
Best for: South Florida residents seeking free bankruptcy consultations without geographic barriers, Individuals filing Chapter 7 or Chapter 13 bankruptcy in Miami-Dade, Broward, or Palm Beach counties
Online Chapter 7 bankruptcy filing service offering DIY form completion and court submission for a flat $249 fee, created by former bankruptcy attorneys and trustees.
Best for: Consumers with straightforward financial situations and clear Chapter 7 eligibility seeking low-cost filing, Individuals facing immediate financial pressure (wage garnishment, collections) who need fast filing
Correspondent mortgage lender licensed in 5 states offering conventional, FHA, VA, jumbo, non-QM, and investment property loans with 80+ investor relationships and 24/7 technology support.
Best for: Self-employed and freelance borrowers needing bank statement or asset depletion loan documentation in licensed states, Real estate investors seeking DSCR investment loans or fix-and-flip financing
Family-owned tax preparation and accounting firm offering personal, business, and corporate tax services, bookkeeping, payroll management, and notary services in Florida.
Best for: Small business owners needing personal and business tax filing with ongoing bookkeeping support, Self-employed individuals and freelancers requiring payroll, sales tax, and quarterly tax planning
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. HUD-approved counselors in Miami offer free guidance at consumerfinance.gov.
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