Where does Reliable Credit do business?

Reliable Credit is based in Milwaukie, OR. It was founded in 1958 and offers auto loans in 4 states across the USA.

What APR does Reliable Credit offer on its auto loans?

Reliable Credit offers auto loans with APRs starting at 5% .Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccuate information in your credit history with these credit monitoring tools.

What is the maximum loan term for a Reliable Credit auto loan?

Reliable Credit offers auto loans with terms of up to 72 months. Lenders that offer longer terms can offer larger loan amounts and lower monthly payments. However, remember that the longer the term of your loan, the more interest you will pay. 

Does Reliable Credit charge an origination fee?

Yes, Reliable Credit charges a loan origination fee .

Does Reliable Credit charge a late fee?

Yes, Reliable Credit charges borrowers with a late payment penatly fee.

Does Reliable Credit charge prepayment penalties?

No, Reliable Credit will not charge you a penalty fee for paying your loan early. Whenever possible choose lenders like Reliable Credit that don't charge a prepayment penalty fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

What is Reliable Credit’s eligibility criteria?

Reliable Credit requires borrowers to have a credit score of at least 500 to apply.

To qualify, applicants must provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for an auto loan via Reliable Credit?

Reliable Credit will typically approve (or deny) a loan application within 48 hours and fund auto loans within 1 and 7 days of approval

  • Payment Options
    • Automatic Payments
    • Check by mail
    • Storefront
  • Max Loan Term (Months)
  • Credit Score Range
    500 - 800
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
  • Verification Documents Required?
    • Recent pay stubs
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Institution Type
  • APR
    Starting at 5%
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Loan Amount
    $1000 - $50000
"Rates and fees vary based on applicant creditworthiness, loan structure, and applicable laws."
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