Reliable Credit

Financial service, Reliable Credit Association Inc.

Although we have a 60 plus year history of financial success, we never sacrifice our integrity for profit. We seek to continually improve our … See more

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Reliable Credit Reviews ( 148 )

  1. (Translated by Google) It is a company that charges interest too high and they are too annoying and no professionals at all, you go past payment day and they start harassing you with all the people, they are stalkers and annoying …

  2. (Translated by Google) It is the worst finance company that I have ever met, I do not recommend it, please avoid doing business with this alleged finance company, even if you have good credit, they will always leave you loans at very high …

  3. Mine wasn’t a big deal for Reliable Credit but it was a big deal for me.
    Thank you Holly, Kam and Cody for making me feel as though I alone was their priority! See you next time!

  4. They call and ask you once a week to take out more loans and when you say no thanks they get angry. I hope I never have to deal with them again.

  5. YOU CAN REALLY TELL THAT THE 5 STAR RATING COME FROM WITHIN THE COMPANY BOTS! LOL PEOPLE BUILD YOUR CREDIT SCORE UP AND GET A BETTER LOAN ELSE WHERE. STAY AWAY FROM HIGH INTEREST RATES BECAUSE YOUR ONLY SCREWING YOURSELF AT THE END OF THE DAY.

  6. I paid my loan on time every month for two years and to get them to help me one time is like pulling teeth. I will never do business with these people again .

  7. Reliable Credit is the worst place to get a loan I was injured and out of work with 2 herniated disks for a month I tried my hardest to get caught back up on payments then one morning as I went to leave for work my truck was gone they …

  8. This company is almost doing criminal activity they will say they were refinance after a year then you go to refinance then they tell you you’re unable to qualify run do not go to this company they will lie and steal from you

  9. today I called in to push a payment 4 days and I spoke to an employee named grant. this was the worst interaction I have ever had with this company grant was rude, unprofessional, and not caring to the customer.

  10. Take your money else where. By far was the worst decision I’ve ever made. They weren’t willing to work with us about even a date of when we could pay each month. Please don’t use them, you’ll regret it.

  11. HORRIBLE, HORRIBLE, HORRIBLE COMPANY TO FINANCE THROUGH! I’ve have nothing but HORRIBLE experiences with them since I financed through them! DO NOT, I MEAN DO NOT finance ANYTHING with this company! Unless you want to randomly be charged $30 on your next bill!

  12. Sucks!!!! DO NOT USE THESE PEOPLE, I’m forewarning you they are terrible and they will work hard to hurt your credit just to keep you in their grasp. LOW LIFE DIRT BAGS

  13. I got a really bad injury and was out of work for a long period of time with very limited income and Reliable credit was very understanding and worked with me.

  14. This is the worst company to go through dont do it no matter what I bought a car through them had a car accident that caused my car to be totaled they first offered to not sell me the car then changed their mind and said yes just as I …

  15. They sold my information to a company that doesn’t pick up their phone so I can pay my bill on time. I’m going to call them today to see if they can buy my info back so I can pay my bill on time.

  16. you gave the good people who found $ 13,000 of your cash in the street and returned it $ 200.- as a reward??? Really? No wonder they’re being told they should have kept the cash. This does not speak very favorably for your company

  17. Bad service. Car got totaled. I have to pay the whole loan amount(which is fine) but they won’t let me keep my busted up truck. Bad insurance company & bad lender. Bad deal.

  18. Great if you need financing but horribly unprofessional about calling when you are late by even a day. Calling workplaces and repeatedly spam calling while you are at work and unable to respond to personal matters.

  19. Worst customer service ever. You must not need any experience or customer service to work here. These people are a joke. They circle talk you, they have no idea about your contract or information on finalization and will speak to you however they feel. They have no idea what they are doing.

  20. I always pay more than my monthly payment on time every month. I’m trying to buy a house. Now my agent tells me I’m in FORBEARANCE with Reliable Credit. How does that make sense?

  21. Don’t ever do business with this association, even if you have bad credit. They find little ways to rip you off. A junker for $500 bucks is worth it than compared to a 29% interest loan. BUY A CRAIGSLIST CAR!!!!!!!

  22. Horrible company reliable credit. They got angry I traded my car in for better intrest rate. They’re the worst credit company. Run ! Save your money ! They don’t deserve one 🌟 …

  23. Absolutely the worst business out there, I have had my car for 2 years only pastured off 500 on the car they have made more than 2500. They are not here to help you. ….. they suck. I wish I knew this before I got the car. Now I’m stuck for another 3 years. They really really do suck

  24. Justin is a lier! I was told by him that if I came in person to pay off my car he would give me the title, which he ended up not doing and then told me there is a 15 day hold on the title! I then went to the bathroom and was told it was ” …

  25. Absolutely a terrible place. they have no care, their Staffing is rude and unknowledgeable. they place you on hold for insane amounts of time just to come back to you and tell you they will call you back and then they don’t. in their own …

  26. If there was a way to give them,no stars that is how it would go they have royally skrewed my fiance and I over with our first finaced vehicle. If there is anyway that we could of financed through any other place we would have they are absolutely the worst finance company

  27. They financed me when no one else would give me a chance.. I agreed to a high interest rate because I’ll take what I can get.. now I have my bike and in super happy.. customer service isn’t bad.. front desk lady is very nice and I’m not unsatisfied at all.. thanks

  28. CAUTION ⚠️ This company is extremely difficult to deal with, unfair and absolutely the most uncivil and disrespectful business I’ve ever dealt with. Please be aware; especially if you are in difficult financial state and looking to finance …

  29. 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

  30. Reliable credit is more like reliably able to steal your money. They are crooks! I can go off for days on how they made over 13k off of me and are still trying to get money out of me I hope they go out of business! Crooks crooks crooks! Take it from me never finance or open an account with them they will stea your money!

  31. They will take you to the cleaners. They will make you think they are nice but will do the jekal and Mr Hyde act. Worst thing you could ever do is get credit through them. I highly recomend a different company and if your credit is to bad just buy through a private person.

  32. Worst company to ever have a loan from! Extremely mean and not friendly, they do not work with you at all. The manager is the most unprofessional person I have ever spoke too. No heart or care in the world. I don’t get how these people can …

  33. Made on time payments some times two weeks in advance of its due date for two years. Here is what I got with Reliable: 2009 purchased a dodge intrepid using a fleet vehicle because again, this could help my credit record as a trade in. …

  34. So great when you’re trying to pay your bill early and they lock you out without notification if you don’t change your password. Then you try to call on the weekend when their online service won’t respond to the “Forgot Password” request …

  35. They gave me a chance when I had bad credit…..always friendly and reliable customer service, never had an issue with them…I am grateful to them for their assistance in helping me build my credit, but more importantly for allowing me to purchase a much needed vehicle, when no one else would.

  36. Sure intrest rates suck. Sure their not the most popular people. But let’s be real, our credit blows. Company does exactly what it advertises, high risk loans.
    The people who get upset are the ones that get buyers remorse, then blame it on …

  37. 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 …

  38. Staff is unknowledgeable on their own products and services. Online glitch caused a payment to not process and I was penalized with a late payment fee. The fee was coded as non sufficient funds despite having the funds available. Staff …

  39. Absolutely horrible. Most people have bad credit that go here, and my husband and I had zero credit, and are being charge 30% interest? Total sharks, and customer service… omg, total nightmare people. I’d get a personal loan next time …

  40. Bessides the high interest rates and constant calling the staff is great and they are helpful. I have my car loan through Reliable and at the time my credit was low, I had no problems getting a loan through them.

  41. Legitimately the worst company one could work with. They told me 24% was the lowest interest rate they offer and they could care less about you. their customer service is awful too, every time i’ve called they’ve been very passive aggressive. no wonder they have such a lower rating… if i could rate lower than 1 star, i would.

  42. Granted the organization is primarily set up for 2nd chance lending, so folks that emerged from bankruptcy or overall bad credit, so rates will be higher to start with. Their products are marketed for those in medium to high risk categories …

  43. Wouldn’t even give them one star! Terrible customer service, absolutely RUDE employees with no knowledge and no manners. Employees have no clue what’s going on and they all tell you different things. We are up to date on our account and …

  44. Unreliable should be the company name. This company cares nothing for it’s customers. It is concerned only with the bottom line. Super high interest rates are only the beginning. If you are one of many people struggling to make ends …

  45. I had the worst experience with David the auto loan agent.Even after explaining with sympathy to him that I was currently in the hospital expecting a baby!he didn’t one to hear my side of the story why I haven’t made September payment.yes I …

  46. Worst finance company I’ve ever dealt with. Harassing phone calls after a few days late even though I called in advance. Constant calls to my references. Maximum allowable interest rate. Terrible, terrible customer service reps. When you call you get routed through four different people.

  47. They helped get my credit back on track when it was bad. They were up front and honest and made my monthly vehicle bill very affordable. I used them for 2 car loans. I would recommend to anyone who has bad / building credit.

  48. Very rude, unprofessional, and inconsiderate. And the several hundred other reviews reflect this. If I’m not the only one who feels this way, then it might be time to look in the mirror and re-evaluate business model and employee training …

  49. I have had multiple loans through this place. They have been quick to get me what i needed when i needed it. All these bad reviews seem to be people who lack responsibility for themselves and dont understand why or how things workthe way that they do.

  50. Don’t go through this company or any other one that isn’t your bank. Honestly they all screw u. I had to cause I needed a car and didn’t have credit. Even with a 5000 down payment on my 9000 car I had 32.99 % intrest. Which is my own …

  51. honestly if i could rate negatives stars i would. never do business with them they are nothing but crooks and condescending A** holes . they are the worst. they make it down right impossible to work with them and will do everything in their power to make sure you are late on payments.

  52. I have had my car loan through this company for 2 years. Was qualified to get the loan. When I try to refinance they tell me I’m not qualified. They suggest going to a different company. Well that’s what I’m doing. I do not recommend anyone going here.

  53. Worst company you could get a loan from. High interest rates at 24 percent. If your credit bad just pay your bills off. Don’t get a loan from here or even think about it. If you don’t listen to my warning you are a stupid. Who ever rated …

  54. Reliable Credit has given me nothing but a difficult time. I lost my job and missed one payment. I called to try and work something out and they immediately repossessed my car. They then tried to charge me all the towing and impound …

  55. I have done business with this company for several years. Every time I make a payment I am told I qualify for a personal loan. When I finally apply for one, I am told I don’t have enough “equity”. 4 years not one missed payment, and now all they did was damage my credit. What a joke. Time to refinance somewhere else.

  56. It isn’t their fault we messed up our credit to begin with. For us that need a second chance, they are a god send. Yeah the rates are high, but all of us have a history of not paying our bills. Why else would you be doing business with them. As long as I’m able to drive what i want, I don’t mind paying a little extra.

  57. Reliable gives those that have dinged their credit an opportunity to get credit and begin to build their credit rating back as well as be able to buy a car or get a personal credit line where other banks and credit unions wouldn’t . They …

  58. This company should be call untruthful and unreliable credit. My wife called and spoke with a associate last Friday asking if we had a scheduled payment set. The associate lied and said you do not Mrs. Hornstein but if you make a payment …

  59. I honestly have NO IDEA why anyone is complaining. We wrecked our credit during the 2008 crisis to survive. We have to be able to rebuild, and that means taking out installment loans, if you are serious about rebuilding your credit in 2 or …

  60. Worst company I have ever had to deal with I moved out of state and they refused to send the title to state to get a title. I talked to their title clerk over the phone the most rude person I have ever had to speak to. Since they …

  61. Terrible company to deal with. Always something with these guys. Shame on me for getting another loan through them for another car. The dealer paid off my old loan and yet RC still took out payment. They fixed it when I called, after …

  62. I have used this company over 6 times in the last 10 years and payed off every loan early and consistently get phone calls and letters from this company inquiring about emergency cash to catch up bills or consolidate or for holidays and …

  63. I’ll give 3 stars because the customer service is great!! Never had a bad experience there. BUT… this company will suck all the money out of you. The finance will drain you. I paid for my Tahoe 2 times it’s worth just in interest. Even …

  64. AVOID FINANCING THROUGH THIS COMPANY AT ALL COSTS!!! Not only do they tell you that you can refinance in a few months for a lower rate and not do it, I had one of their agents slip when I had inquired about this at one point and tell me …

  65. No problems whatsoever! These fine folks financed me when others wouldn’t. Three years of timely payments and positive processing interactions with the service reps. My credit has much improved and can now get a better rate but I’m appreciative of the them for being a stepping stone to better credit ✨👍🏾 …

  66. I am on my third loan (soon to be 4th) with Reliable Credit. They gave me a chance when my credit score wasn’t very good, it was actually terrible. NO lender would give me a chance when I needed a car. In getting the past few loans with …

  67. I own a cafe and I was two payments past due. Made arrangements to pay Friday. I could not. They repossessed right in front of my staff dragging it by it’s front end being a front wheel drive it was smoking the entire drag length. This was …

  68. I cant complain about the crazy high interest rate, it’s what I signed on to due to my credit score.
    I’ve made all my payments and have had no issues with Reliable Credit, they are always nice and courteous whenever I need something.

  69. I’ve actually had payment problems several times, once after my bank account was compromised, and then once when the online system would not accept my payment. I’ve actually received excellent service everytime I’ve needed help. Also, I …

  70. Do not even get a star Just had to select one to post review! Worst lender to do business with. Paid on time every month for over three years. Traded the car in and the dealer is paying the loan off. They called and requested ten-day …

  71. horrible horrible horrible company! unwilling to work with you in any way to make your payments lowered and realistic. the lower your credit score the higher your payments will be. their goal is to screw you with their inability to be …

  72. I’ve had two loans with Reliable, don’t have the best credit, which is my fault. They have always been really good to work with. Yes, they’er rates are super high. But they are taking a really big risk on us people who have a track record …

  73. 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 😉 …

  74. Had an auto loan through them. They were my only option because I hadn’t established credit yet. Fell on a hard month. They repossessed the car after 30 days not giving me the one more day I needed to catch up. Sold the car for dirt cheap. …

  75. I moved out of state.. requested a copy of the title for registration and they refused since they have no jurisdiction in my new state even though I have been in good standing for 3 1/2 years. Got the pay off amount that was good for 10 days and when I called back to pay off the car, they refused payment.

  76. My husband and I made the mistake of accepting a loan with these people before researching them. Yeah, I know, that was dumb on our part, but we decided to try to make the best of the situation and be as careful as possible with them. We …

  77. 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.

  78. 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 …

  79. 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.

  80. 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 …

  81. 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. …

  82. 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 …

  83. They are very very helpful and wonderful customer service I had Wendy helping me with my request and she did above and beyond what I had even asked for even told me the best way to get home.

  84. 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 …

  85. 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 …

  86. 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 …

  87. 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

  88. 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 …

  89. 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. …

  90. 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 …

  91. 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 …

  92. Worst credit union ever, bein payin over 3 years+ over 24% interest rates, tried to get it down they said no, kept paying tried to work with them but still they say they can’t do anything, wouldn’t refinance nothin, there not worth goin to …

  93. 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) …

  94. If you’re needing this company for any reason, cancel it. Scams and robbery. Reliable credit, don’t reply with a “contact our manager”💀 you guys are scammers, everyone else needs to know and calling you guys to talk will literally not change all the money I don’t have anymore. …

  95. Reliable credit really has stepped up to the plate for me and help me out with my financial needs they’re great company friendly people that work there and they help build my credit

  96. I talked to one of their customer service Representatives named Wendy and it was absolutely awful she had a terrible attitude, and was very unpleasant to deal with. If I were them I would fire her fast. …

  97. I had an auto loan with them that I paid off in full after a mostly on time payment history. They still wouldn’t approve me for a smaller loan despite good income, 13 years in my current residence and my wife’s 14 years of employment at her …

  98. It’s been manny years since I had a loan through Reliable Credit. Probably almost 10 years. Since then, my credit is now excellent, hovering around 740-760. When I was with Reliable Credit, I was at an abysmal 520. At the time my choices …

  99. Reliable is there to help you if you have an emergency, Reliable does not berate you or talk down to you like they are perfect and would never have a good reason for being late with a payment. Reliable works with you to make things work for both sides,

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