Reliable Credit Association Inc. Se Mcloughlin Blvd, Milwaukie

Reliable credit was great to work with! I was looking to rebuild my credit and they were able to get me approved for a motorcycle loan when NO ONE else would even give me the time of day. Although their interest rates aren’t the best, beggars can’t be choosers sometimes and I actually ended up taking another loan through them when I traded in the first motorcycle I purchased, for a new one. They were easy to work with, easy to pay your payments online with no fees I might add and my experience with them was all and all a good one. I would recommend them to anyone trying to rebuild their credit!

Would highly recommend staying away from this lender. Their online payment system is atrocious and their customer service is next to nonexistent. They treat everyone that calls in as hostile (probably from dealing with nonpayment all day) regardless of whether or not you're in good standing. I would not accept a loan offer from this company on a future vehicle.

This place is awful. Refuses to get all the information needed to properly decide if you qualify for a loan. Does not get pay stubs, work history, previous places of housing or any accurate information.

Since getting my loan through Reliable, I've had to reach out twice. My experiences have been quick and professional. This company has significantly helped my credit rating. Here's a hint though; Make your payments on time or early if possible.

This place has the worst customer service I have ever seen! The interest rates are so high I would never ever recommend doing business with them. They will try and screw you any way they can. They received payment in full for my vehicle from the insurance company and took nearly 2 months to pay me the overage from the the credit I was due! I needed a new vehicle. These people are the worst of the worst and I don’t say that lightly. When I started out I had poor credit now I have excellent credit. Don’t let theses people take advantage of you!

These people are the rudest people I’ve ever had to deal with. They screwed my account up 3 times in 2 years. Told me I’m behind on payments, and I know I’ve paid. When I said whatever I’ll pay as long as I can get into a different vehicle. Jared Larson laughed and said they wouldn’t finance me again. They even started issues when I was deployed.

I would give 0 stars if possible. Totally unprofessional, rude employees. DO NOT go here for a loan! Worst experience I have ever had with a company.

STAY AWAY IF YOU CAN!!!!! I know they help people out with less than perfect credit, but they are absolutely the worst. I have had my car with them for about a year and a half, have never ever missed a payment- even during this pandemic. We are late, maybe by 10-15 days sometimes, especially now with paychecks differing, and they literally call us every day we are late, multiple times a day. Again, we are not even 30 days late, they start calling at about day 6. I called and asked them to stop calling because it is stressful and we have never been 30 days late. She said "well its late so we're going to call you" I have blocked their number so please, waste your time calling me for a car payment just a few days past due, IN THE MIDDLE OF A PANDEMIC. They also only stopped late payments for about 3 months during this hard time. Shows how much they care about their customers. That $13 late fee must be really important to their closing numbers at the end of the month. Once I have the time, I plan to refinance.

Reliable Credit was instrumental in helping me regain my credit score that was once devasted after a long severe illness. They have fantastic service and money is dispersed almost immediately after approval. Wendy Fitzgerald and the rest of the staff are always professional, friendly and understanding. Highly recommended.

GET A LOAN WITH ANYONE BUT RELIABLE! Not only is the rate at 24.99% but after making multiple extra payments and nothing being additionally applied to principal like I was told they would be; I find out the only can apply a principal only payment if I pay in person or mail a check with instructions!? We are getting robbed by the interest rate alone, but to find out I would have to drive over an hour to make a principal payment, OR send paper checks and hope they can figure that out?.. Well first checks are the easiest way bank accounts get compromised, so that's not happening. So until we can refinance were stuck getting robbed by the APR and their payment policies. If you have any other option for a lender I suggest you take it and avoid this one at ALL COSTS.

There very good for people who are trying to build there credit and I have never had a problem with them I really line how u can pay by phone it really helps

Trying to get a loan with this company was like pulling teeth. Very disrespectful. I'm so glade that I did not get a loan with this company, (ended up getting easier approval with an amazing interest rate with another company) interest rate was beyond reasonable and the loan person kept questioning my employment after providing multiple paystubs, and multiple phone numbers to verify employment. I'm so happy I did not get a loan with reliable because if it was that trouble some to get a loan I can't imagine working with them for 84 months.

Thank YOU again as Reliable Credit has been there for John Ball over & over again ! You have been with John Ball for over 40 years & never once did you not come to our rescue. Your fast, knowledgeable & the BEST Credit Union we would & others could ever have! Cherie Kamps & John F Ball

Predatory as hell. Avoid borrowing from these people. Disgusting interest rates and if you miss a payment they will call asking if you need to borrow extra cash. They literally use that verbiage. Of course they will borrow you “extra cash” at 35% interest.

Reliable Credit gave me a loan several years ago when literally no one else would. My credit score and history was garbage and they took a chance on me. The payments were kind of high and the interest rate was as high as they could legally do, all expected given my situation. The few times I had kind of late payments there were just some extra charges but not much else. The few times I had to call in to change my address was effortless and easy. They have an excellent website and an excellent app that makes it crazy easy to make payments and keep track of my balance. I just drove to their Milwaukie branch and picked up my title after making my last payment a few weeks ago, that was also fast and easy. I would highly recommend Reliable Credit to anyone who needs to build up their credit score and history, they took a chance on me and I'm so happy for it!

We have a landscaping business and paid off a truck with Reliable last year and just financed our first big commercial truck with them this year, they have always been very helpful, kind, courteous and professional. We paid off our last loan early and everything went great, planning on doing the same this time as well. Everyone we have ever done business with at Reliable has been great, we highly recommend their services.

The worst company to buy a car from they took all of our payments on a couple of months at different times and there only explanation was it's daily interest how do get 439 dollars in interest for a month all the other times it was different amounts never the same and now that we are close to paying off the loan there now trying to be sneaky by asking us if we want to skip a payment for extra money so when you do make a payment they'll take it and say that was for interest now we are worried when we do pay it off they will make us wait for months for the title but they always want there money if even when you're not due they will ask when are you making a payment that's not a way to treat people we will never do business again with them it's been a long 4 years can't wait until they are out of our lives.

Don't even bother trying these guys if you are self employed no matter how much money you make. Was told fairly rudely that they will not give me any kind of credit for a car because I am a ride share driver even though I make 3 to $4000 a month. This makes absolutely no sense to straight up refuse ride share drivers who work full-time. I make money with my car which means the car payment comes first and foremost! So basically they will not help the safest choice they could because I work when I want and not on a set schedule by a corporation. Which is every single self employed person on the planet.

I had a loan on my car with Reliable for a year and a half. Got stuck with them because I had bad credit at the time I took out my loan. Set up my car payments on auto-pay and NEVER missed a payment and WAS NEVER late. After a year, I called to see if I could refinance into a lower interest rate and lower my monthly payments, giving them the first crack at keeping my business. The lady I spoke to was SUPER rude! Basically treated me like I was an idiot for having to rely on them to begin with, gave me some snarky comment about my credit (which, after having it set up on auto pay for a year, went WAY up - if you want to build your credit, set up on auto pay and your credit will jump HUGE!). Then she very rudely told me that they could only lower my interest rate by less than 1%. After having been a WONDERFUL customer and paying on time and never missing a payment, I let her know what I thought of her offer, and hung up on her (I was pissed at that point). Went to my credit union after a year and a half of payments being made on time, and I dropped my interest rate by 20% and cut a YEAR of payments off my car loan. I did not like dealing with Reliable. The people are super rude, and it's not worth it. I HAPPILY give my money to my credit union each month. I DO NOT recommend Reliable Credit. But if you're one of the people like me who needed to use them to get some good credit built up, by all means, they report monthly to your credit and making your payments on time will build up your credit enough to leave them and go somewhere else. They are USELESS if you plan on using them for a full term loan, but GREAT if you can use them and leave them to go somewhere else!!!!

I’ve been treated very well by reliable credit with a vehicle loan and a personal loan. When I needed them they came through. I’ve always been ahead or on time with every payment. You respect those that respect you in business. Thank you Reliable Credit, Lewie and Kassy Grantham customers 😉

During this whole pandemic, reliable credit has not been understanding at all. I have been out of a job just like every else this year. And its been a bit harder to find jobs now since it's limited. They do not care about whats happening to you in your life they just want the money or they'll repo your car. They get very pushy and ask you to ask other people for money to pay your car payment. They ask why haven't you gotten unemployment (its been backed up for months). They are very rude and unprofessional. I get it if we weren't in the middle of a pandemic, I could understand where they are coming from. But we ARE in the middle of a pandemic and they need to understand that not everyone is able to pay money at this moment. And shouldn't repo your car because you can't pay in the middle of a pandemic. And understand that you have other bills too, like rent for example, they don't care if you're homeless, they expect you to pay them first. They are a very greedy company.