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Personal Loans

Reliable Credit Loans Review

Reliable Credit is a direct lender that has been in business since 1958 and offers consumer loans to Oregon, Idaho, Arizona, and Washington residents.

This lender offers loans for various purchases, including furniture, appliances, automobiles, recreational vehicles, and other goods and services.

On top of that, Reliable Credit also provides personal loans for consumers who need funds to cover their costs for home improvements, medical bills, vehicle repairs, vacations, education, and other financial needs.

On this page:

What are the Requirements of Reliable Credit Loans?

You can apply for a loan from Reliable Credit completely on its website. Again, only residents from Oregon, Idaho, Arizona, and Washington are eligible.

Most loans from Reliable Credit require that the borrower put up some sort of collateral – like a motorcycle, recreational vehicle, automobile, boat, trailer, or another similar consumer asset.

Basic Information: Rates, Terms, Fees, and Limits

The rates and fees that each individual borrower gets with Reliable Credit depend on a number of factors, including the structure of the loan, the borrower’s credit score, and any applicable laws in the different jurisdictions.

If you are an active duty service member (or one of their covered dependents), then your rates with Reliable Credit will be set within the limits of The Military Lending Act.

The minimum amount for a personal loan from Reliable Credit is $1,000.

Reliable credit charges no prepayment fee. This lender does charge a loan origination fee and a late payment fee.

As for interest rates, the lender website doesn’t supply figures – but some customer reviews demonstrate that they can be higher-than-average.

Pros and Cons


  • Loans are available to those with a low credit score.


  • Interest rates may be higher than other lenders.

  • Quotes seem to take longer than with other lenders. For example, funds can be available the day after applying with companies such as Upstart and LendingPoint.

  • Poor customer reviews.

  • Only available in Oregon, Idaho, Arizona, and Washington.

Alternatives to Reliable Credit

Reliable Credit Loans aren’t available to most borrowers in the United States and don’t provide much information on its website. If Reliable Credit isn’t for you, here are a few alternatives.

Make sure you meet the credit score requirements before applying with one of these lenders.

LenderRates (APR)Loan AmountsCredit Score
Upgrade7.99%35.97%$1,000 – $35,000620+
Upstart8.27% – 35.99%1$1,000$50,0002600+

Bottom Line on Reliable Credit

Reliable Credit could be an option for borrowers with less-than-perfect credit, but they might run into issues with customer service when things go wrong.

There are lenders who have faster application periods, lower credit score requirements, and lower starting APRs. If you do your research before you choose a lender, you’ll have a better idea of what to expect and whether you can get a better deal elsewhere.

Related Resources:

1The full range of available rates varies by state. The average 3-year loan offered across all lenders using the Upstart platform will have an APR of 21.97% and 36 monthly payments of $35 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $12,646 including a $626 origination fee. APR is calculated based on 3-year rates offered in the last 1 month. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application.

2Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Loans are not available in West Virginia or Iowa. The minimum loan amount in MA is $7,000. The minimum loan amount in Ohio is $6,000. The minimum loan amount in NM is $5100. The minimum loan amount in GA is $3,100.