The best credit & debt services companies of 2026

A centralized service that allows U.S. consumers to request free annual credit reports from the three major credit reporting agencies, as mandated by federal law.

A UK-based service providing free and impartial money advice and guidance to help people manage their finances.

myFICO provides consumers access to their FICO credit scores, credit reports, credit monitoring, and identity theft protection services.

Santander Finland offers financial products including unsecured loans, vehicle and purchase financing, loan protection, and leasing services.

GreenPath is an NFCC-certified nonprofit financial counseling organization that provides debt management, housing counseling, and financial wellness services.

Kiva is a nonprofit organization that facilitates microloans to underserved entrepreneurs and individuals around the world through an online lending platform.

Antares Capital is a diversified credit platform providing alternative credit management services across private and liquid markets, with over three decades of experience.

PayPal Credit is a reusable line of credit integrated into PayPal accounts, offering consumers access to financing options for purchases at thousands of online stores.

Acura Financial Services, operated by American Honda Finance Corporation (AHFC), provides automotive financing, leasing, and related financial services for Acura vehicle customers.

A credit monitoring and identity protection service by Experian that helps users track and improve their credit score.