Where does Reliable Credit do business?

Reliable Credit is a direct lender based in Milwaukie, OR. The company was founded in 1958 and offers personal loans to borrowers in 4 states.


Does Reliable Credit charge an origination fee?

Yes, Reliable Credit charges a loan origination fee .

Does Reliable Credit charge prepayment penalties?

No, Reliable Credit does not charge prepayment penalties. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow from Reliable Credit?

Loan amounts start at $1000.

What is Reliable Credit’s eligibility criteria?

Reliable Credit only considers applicants who have a credit score of at least 640 to apply.

Active duty servicemembers and covered dependents can also apply for a Reliable Credit loan. High interest loans are not available to members of the armed forces because the The Military Lending Act prohibits lenders from charging them more than a 36% APR.

To qualify, applicants must provide the following documentation:

You must have a job to qualify for a loan. 

What is the estimated funding time for a Reliable Credit personal loan?


  • Loan Amount
    Starting at $1000
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Storefront
  • Credit Score Range
    640 - 750
  • Immigration Status Considered
    U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Supported Income Types
  • Verification Documents Required?
  • No Prepayment Fee
  • Institution Type
    Direct Lender
  • Joint Loans Available
  • Funding Time
    1-7 days
  • Credit Bureau Reporting
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