Compare 84 credit repair companies, personal lenders, and financial services in Phoenix, Arizona. All independently reviewed with BBB ratings and pricing.
TitleMax offers car and motorcycle title loans using your vehicle as collateral, with 30-minute approvals, no credit check, and 1,000+ store locations across 16 states.
Best for: Consumers with poor or no credit history who own a paid-off car or motorcycle outright, Individuals needing same-day cash who have been declined by banks, credit unions, or online lenders
Trade association for Arizona private money lenders offering real estate-secured loans. Connects borrowers with member lenders through a centralized loan request platform.
Best for: Commercial real estate investors and developers seeking fast, non-traditional financing secured by property collateral, Borrowers unable to qualify for traditional bank mortgages who need multiple private lender quotes simultaneously
Arizona-based mortgage broker operating since 1998, offering conventional, FHA, VA, jumbo, and reverse mortgages throughout Arizona with licensed loan officers.
Best for: Arizona homebuyers and refinancers seeking personalized service over automated processes, Military borrowers and first-time homebuyers eligible for government-backed loan programs
Clearinghouse CDFI is a mission-driven Community Development Financial Institution offering direct lending, equity investments, and financial assistance to underserved communities and organizations nationwide.
Best for: Nonprofits and social enterprises developing community facilities or affordable housing, Small businesses and organizations serving low-income or underserved communities
Phoenix-based debt relief enrollment service offering settlement, consolidation, and credit counseling programs tailored to individual financial situations.
Best for: Consumers with mixed debt types seeking personalized guidance on which relief strategy fits their situation, Individuals with credit report errors who want to dispute negative marks across all three bureaus
Phoenix-based bankruptcy law firm offering Chapter 7 and Chapter 13 filing services with low attorney fees and flexible payment plans based on ability to pay.
Best for: Arizona residents facing foreclosure, wage garnishment, or creditor harassment seeking immediate relief, Individuals wanting to file Chapter 7 or Chapter 13 bankruptcy remotely without office visits
Amigo Check Cashing offers check cashing and related financial services at a Phoenix location with extended hours. Open Sundays through Saturdays with weekend availability.
Best for: Individuals without traditional bank accounts needing check cashing in Phoenix, Workers with inflexible schedules requiring weekend financial services
InterCambio Express is an international money transfer service offering online and in-person money transfers to 19+ countries, bill payment, and mobile phone top-ups through 70,000+ agent locations.
Best for: Spanish-speaking immigrants sending money to family in Latin America, Customers without traditional bank accounts needing bill payment services
ACE Cash Express operates 10+ locations across the Phoenix metro area offering check cashing, title loans, bill payment, money transfers, and prepaid card services.
Best for: Unbanked or underbanked consumers needing immediate check cashing without a bank account, Workers paid by check seeking same-day cash access without check deposit delays
ACE Cash Express operates 10+ locations in the Phoenix metro area offering check cashing, title loans, and financial services. Multi-service lender with in-store and card-based banking options.
Best for: Unbanked or underbanked consumers in the Phoenix area needing check cashing and money transfer services, Vehicle owners seeking short-term title loans with flexible repayment options
Check Cashing Tortilleria Liquor is a combined liquor store and check-cashing service located on East McDowell Road in Phoenix, Arizona.
Best for: Local Phoenix residents in the East McDowell corridor needing check-cashing services, Spanish-speaking customers seeking integrated financial and retail services
Checkmate provides check cashing services and loan solutions for consumers needing quick access to funds or check processing.
Best for: Consumers who need to cash checks quickly and want loan options from one provider, Customers seeking combined check cashing and small lending solutions
ACE Cash Express offers payday loans, title loans, check cashing, and money transfers with physical store locations across multiple states.
Best for: Consumers needing immediate cash with physical store access in their area, Customers who prefer in-person financial services over purely online platforms
ACE Cash Express offers payday loans, title loans, check cashing, and financial services with multiple locations across the U.S. and online lending options.
Best for: Consumers needing emergency cash within 24 hours who have exhausted other options, Individuals with vehicle title who need quick collateral-based loans
Phoenix-based financial institution offering payday loans, installment loans, and title loans with same-day funding and online applications.
Best for: Phoenix-area residents needing same-day emergency cash with no time for online-only lenders, Borrowers who prefer in-person lending relationships and want to complete applications on-site
Family-owned auto title loan lender based in Phoenix, Arizona offering quick loans against vehicle titles with bilingual customer service.
Best for: Vehicle owners in Phoenix area needing immediate cash and willing to use title as collateral, Bilingual Spanish-speaking customers preferring personalized, community-focused service
Arizona-based title and registration loan lender offering same-day funding up to $100,000 with approval in as fast as 15 minutes for borrowers of all credit types.
Best for: Vehicle owners facing immediate cash emergencies who have exhausted other funding options and can afford title loan interest rates, Borrowers with poor credit history who are ineligible for traditional personal loans or credit cards
Online payday loan marketplace that connects borrowers in Phoenix, Arizona with a network of 100+ lenders for fast cash advances and personal loans.
Best for: Phoenix-area borrowers needing cash within 1-2 business days for unexpected emergencies, Consumers with poor credit who may struggle to qualify for traditional bank loans
TitleMax offers car and motorcycle title loans using your vehicle as collateral, with 30-minute approvals, no credit check, and 1,000+ store locations across 16 states.
Best for: Consumers with poor or no credit history who own a paid-off car or motorcycle outright, Individuals needing same-day cash who have been declined by banks, credit unions, or online lenders
Cash America Super Pawn operates multiple pawn shop locations across the Fort Worth, TX area, offering collateral-based loans and retail merchandise sales.
Best for: Consumers with poor or no credit history who need quick emergency cash, People with valuable personal items who prefer collateral-based loans over credit checks
Arizona-based precious metals buyer and seller with 10 Valley locations offering competitive gold, silver, platinum, and coin pricing with on-site electronic testing.
Best for: Arizona residents seeking to sell bullion/gold jewelry locally without shipping costs or delays, Precious metals investors preferring immediate cash settlement over mailed payment
Gold King Bullion buys and sells precious metals (gold, silver, platinum) across 10 Arizona locations with competitive spot pricing and on-site electronic testing.
Best for: Arizona residents who want to liquidate gold, silver, or jewelry quickly with same-day cash payment without shipping, Local buyers seeking in-person verification of precious metals purity using advanced testing equipment
Pawn shop in Phoenix offering collateral-based loans and jewelry/gold buying. 4.4-star rated with 82 reviews.
Best for: Consumers needing immediate cash who prefer not to undergo credit evaluation, Individuals with jewelry or gold to liquidate quickly for cash
Family-owned pawn shop and auction house in Phoenix, AZ that buys, sells, and trades gold, silver, firearms, jewelry, and collectibles with over 40 years of combined industry experience.
Best for: People needing immediate cash against valuable collateral (jewelry, electronics, tools, firearms), Individuals liquidating precious metals, antiques, or collectibles outside traditional retail channels
Phoenix-based bankruptcy law firm offering Chapter 7 and Chapter 13 filing services with low attorney fees and flexible payment plans based on ability to pay.
Best for: Arizona residents facing foreclosure, wage garnishment, or creditor harassment seeking immediate relief, Individuals wanting to file Chapter 7 or Chapter 13 bankruptcy remotely without office visits
Allan D. NewDelman, P.C. is a Phoenix-based bankruptcy law firm specializing in Chapter 7 bankruptcy representation for individuals seeking debt relief.
Best for: Phoenix-area individuals with unsecured debt seeking Chapter 7 bankruptcy discharge, Debtors wanting local representation familiar with Arizona courts and regional bankruptcy procedures
Arizona-based bankruptcy law firm founded by Nathan J. Brelsford, a tax attorney admitted to U.S. Tax Court, handling Chapter 7, Chapter 13, and IRS tax resolution cases.
Best for: Arizona residents filing Chapter 7 or Chapter 13 bankruptcy who need personalized, responsive attorney representation, Taxpayers with complex IRS debt who also need bankruptcy filing, benefiting from attorney's dual tax and bankruptcy expertise
Arizona-based bankruptcy law firm specializing in Chapter 7, 11, and 13 filings with flat-rate pricing and a 96% Chapter 13 confirmation rate since 1993.
Best for: Arizona residents (Phoenix area) filing Chapter 7 bankruptcy with 9–21 creditors seeking transparent flat-rate pricing, Chapter 13 filers who cannot afford upfront legal fees and need zero-down filing with plan integration
Get It Done Law is a nationwide legal services network offering bankruptcy, DUI, traffic, criminal, family, personal injury, and employment law assistance through licensed attorneys.
Best for: Consumers seeking bankruptcy counsel in states where Get It Done Law has partner attorneys, Clients with multiple legal issues (bankruptcy plus personal injury, family law, or employment matters) who prefer single-point coordination
Arizona-based tax resolution firm offering IRS debt relief, offer in compromise negotiation, and lien/levy removal through a team of tax attorneys, CPAs, and enrolled agents.
Best for: Taxpayers with substantial federal or Arizona state tax debt ($10K+) facing IRS collection actions, Individuals with liens, levies, or wage garnishments who need immediate relief strategy
Phoenix-based debt relief enrollment service offering settlement, consolidation, and credit counseling programs tailored to individual financial situations.
Best for: Consumers with mixed debt types seeking personalized guidance on which relief strategy fits their situation, Individuals with credit report errors who want to dispute negative marks across all three bureaus
Debt settlement company specializing in business debt, MCA relief, and loan restructuring for small businesses facing cash flow crises.
Best for: Small business owners with $100K+ in MCA debt facing daily repayment debits and immediate cash flow crises, Retail, e-commerce, and restaurant owners struggling with seasonal revenue gaps and overleveraged inventory financing
Midland Credit Management is a debt collections and resolution company that helps consumers negotiate settlements on past-due debts across all 50 states.
Best for: Consumers with past-due debts seeking negotiated settlements through an established provider, People in all 50 states needing debt resolution services with national geographic reach
Republic Financial Services specializes in timeshare and solar contract exit services, helping clients permanently terminate unwanted contracts with no upfront fees and money-back guarantees.
Best for: Consumers trapped in timeshare contracts paying escalating maintenance fees with no exit strategy, Homeowners locked into unfavorable solar panel leases or loan agreements seeking legal termination
Tax representation firm led by Enrolled Agent Mike Habib specializing in IRS tax debt settlement, wage garnishment release, and back tax negotiation for Phoenix-area and nationwide clients.
Best for: Self-employed and business owners with unpaid payroll taxes (941 issues) or TFRP liability, Individuals facing wage garnishment, bank levies, or IRS tax liens requiring immediate action
Timeshare Help Center specializes in timeshare contract cancellation and exit services, helping clients escape unwanted vacation property obligations while protecting their credit.
Best for: Consumers locked in long-term timeshare contracts with escalating maintenance fees seeking a legal exit strategy, Timeshare owners concerned about credit damage from traditional debt-relief or exit company approaches
Trade association for Arizona private money lenders offering real estate-secured loans. Connects borrowers with member lenders through a centralized loan request platform.
Best for: Commercial real estate investors and developers seeking fast, non-traditional financing secured by property collateral, Borrowers unable to qualify for traditional bank mortgages who need multiple private lender quotes simultaneously
PCDIC is a community development corporation offering loans and grants to nonprofits and small businesses in underserved Phoenix and Maricopa County areas.
Best for: Nonprofit organizations serving vulnerable populations in Phoenix/Maricopa County underserved areas, Small businesses with community development missions in designated low-income communities
RDF is a CDFI providing flexible financing, tax credit programs, and technical assistance to nonprofits and community organizations in health, education, housing, and entrepreneurship.
Best for: Nonprofit health centers and medical clinics seeking capital for expansion, Charter schools and education nonprofits needing facilities financing
Arizona-based mortgage broker operating since 1998, offering conventional, FHA, VA, jumbo, and reverse mortgages throughout Arizona with licensed loan officers.
Best for: Arizona homebuyers and refinancers seeking personalized service over automated processes, Military borrowers and first-time homebuyers eligible for government-backed loan programs
SecurityNational Mortgage Company loan officer Martha Rodriguez offers mortgage lending services in Phoenix, AZ, specializing in conventional, FHA, VA, and jumbo loans with bilingual support.
Best for: Hispanic homebuyers seeking bilingual mortgage support and community-focused guidance, First-time homebuyers needing pre-qualification and educational resources
Capital Fund 1 is a hard money lender specializing in 6- and 12-month fix-and-flip loans for real estate investors in Phoenix and multiple states, with 24-hour approval turnaround and asset-based underwriting.
Best for: Experienced real estate investors with identified fix-and-flip properties and strong exit strategies, Investors who need rapid funding (within 24-48 hours) for time-sensitive property acquisitions at auctions or sales
Mariner Finance offers personal loans up to $50K for debt consolidation, home improvement, vacations, and other expenses through physical branch locations across the U.S.
Best for: Borrowers in areas with Mariner Finance physical branch locations who prefer face-to-face consultations, Consumers seeking debt consolidation with flexible loan amounts and terms
Oportun offers personal loans with flexible payment options at physical retail locations nationwide, including secured loans backed by vehicle equity.
Best for: Unbanked or underbanked consumers preferring cash-based payments at retail locations, Applicants with vehicles seeking secured loans backed by car equity
Yrefy is a specialty finance lender focused on refinancing distressed private student loans for borrowers with lower credit scores who cannot qualify elsewhere.
Best for: Borrowers with defaulted private student loans and credit scores too low for conventional refinancers, Distressed borrowers seeking to exit default status and rehabilitate their loan standing
Chase Bank is a major national bank offering checking, savings, credit cards, home loans, auto financing, and investment services through branches and ATMs.
Best for: Consumers seeking a full-service banking relationship with multiple financial products under one roof, Customers who value widespread branch and ATM access for frequent in-person banking needs
FDIC-insured bank established in 1901 offering checking, savings, mortgages, auto loans, and credit cards with personalized service across Texas.
Best for: Texas residents seeking FDIC-insured banking with established local branch presence, Borrowers interested in auto loans with deferred payment options to manage cash flow
American Credit Repair uses pre-litigation processes to dispute negative items on credit reports, claiming to raise scores up to 100+ points. Veteran-owned firm offering free consultations and credit analysis.
Best for: Consumers preparing for major purchases like home buying or refinancing who need credit score improvement, Individuals with multiple derogatory items on their credit reports seeking professional dispute assistance
Bassey Solutions offers a free online portal for generating credit repair letters and tracking progress, with optional premium features.
Best for: DIY consumers comfortable managing their own credit disputes without professional guidance, Users seeking a low-cost or free tool to organize and track dispute letters
Clearinghouse CDFI is a mission-driven Community Development Financial Institution offering direct lending, equity investments, and financial assistance to underserved communities and organizations nationwide.
Best for: Nonprofits and social enterprises developing community facilities or affordable housing, Small businesses and organizations serving low-income or underserved communities
Faith-based nonprofit providing free tax preparation, affordable housing development, financial wellness, and community services to low-to-moderate income families across Phoenix's Canyon Corridor and Maricopa County.
Best for: Low-to-moderate income filers and seniors needing free IRS-certified tax preparation (VITA eligible individuals), Working families and 'missing middle' households seeking affordable homeownership in the Phoenix Canyon Corridor area
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 Phoenix offer free guidance at consumerfinance.gov.
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