table with coffee and laptop computer with the word Loans superimposed


We offer consumer loans to qualified Oregon, Washington, Idaho, Arizona, Utah and California residents. Our fixed simple interest rates and loan origination fees vary based on applicant creditworthiness, loan structure, and applicable federal and state laws.

Generally, the interest rates of our loans range from 19.99% to 29.99%, and the terms are typically 24 to 60 months. A loan’s annual percentage rate (APR) varies depending on the interest rate, loan amount, loan term, loan origination fee amount, and other variables.  For example, a $5,000 loan with an interest rate of 25%, a $240 loan origination fee, and a 36 month term would have an APR of approximately 28.56%.

The minimum loan amount we offer in Oregon, Washington, Idaho, Arizona and Utah is $1,000.  The minimum loan amount we offer in California is $5,000. There is no penalty for prepayment. The majority of our loans require collateral such as automobiles, motorcycles, recreational vehicles, boats, trailers, and other like consumer assets. Loan proceeds are often used for the following reasons.

  • Automobile purchases
  • Motorcycle and ATV purchases
  • Recreational vehicle, boat and trailer purchases
  • Furniture and appliance purchases
  • Vehicle repairs
  • Vacations and travel
  • Home improvements and repairs
  • Debt consolidation
  • Medical bills
  • Other goods and services and other needs that arise

For certain state specific disclosures see:

Reliable Credit offers the following methods to manage your account.


We offer online access to manage your account via our web portal and mobile application. The following convenient and secure self-service functionality is available.

  • View your account balance and payment history
  • Schedule one time and monthly automatic recurring payments
  • Secure messages with a live agent from 8:30 a.m. to 5:30 p.m. (PST)
  • Update your address, mobile number, and email address

Sign up to enroll and take advantage of these convenient services. You can download the mobile application below.

Download on the App Store
Get it on Google Play


  • Online – ACH and debit card electronic payments can be scheduled in our portal and mobile application. You can authorize one-time same day payments, one-time future dated payments, and monthly automatic recurring payments. Monthly automatic recurring payments are available by ACH only.
  • Telephone – Schedule one-time ACH and debit card payments with a live agent by calling the branch location that services your account.
    To make one-time same day payments 24/7, call our virtual agent at (503) 461-4114.
  • Mail – Checks, money orders, and cashier’s checks can be mailed to the branch location that services your account. Please write your account number on the check, money order, or cashier’s check.
  • Branch Office – Checks, money orders, and cashier’s checks, are accepted in all the branch locations. We do not accept cash.