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Reliable Credit personal loans review

Borrow as little as $1,000, but watch out for high rates.’s rating: 4 / 5.0


  • Best for residents of Washington, Oregon, Idaho and Arizona who don't have the best credit.
  • Pick something else if you want good customer service.


Min. Loan Amount$1,000
APR17% to 30%
Interest Rate TypeFixed
Min. Credit ScoreNot stated
Loan Term4 to 6 years

First, am I eligible?

To qualify for a personal loan with Reliable Credit, you must meet the following criteria at a minimum:

  • Live in Washington, Oregon, Idaho or Arizona.
  • Have 18 months of work experience — though it doesn’t need to be consecutive.


  • No hard-and-fast credit requirements
  • Joint applications accepted
  • Can use funds for college expenses


  • Potentially high rates
  • Only available in four states
  • $6 fee for making payments over the phone
  • Poor customer reviews

Compare other personal loan providers

Name Product Filter Values APR Min. Credit Score Loan Amount
Credible personal loans
2.49% to 35.99%
Fair to excellent credit
$600 to $100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Best Egg personal loans
5.99% to 35.99%
$2,000 to $50,000
A prime online lending platform with multiple repayment methods.
PenFed Credit Union personal loans
4.99% to 17.99%
$600 to $25,000
With over 80 years of lending experience, this credit union offers personal loans for a variety of expenses.
SoFi personal loans
5.74 to 20.28%
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.
Monevo personal loans
1.99% to 35.99%
$500 to $100,000
Quickly compare multiple online lenders with competitive rates depending on your credit.
Tally+ Express Line of Credit
7.9% to 25.9%
$2,000 to $30,000

Only available for Line of Credit and Debt consolidation

Upgrade personal loans
5.94% to 35.97%
$500 to $50,000
Affordable loans with two simple repayment terms and no prepayment penalties.
Avant personal loans
9.95% to 35.99%
$2,000 to $35,000
Conveniently check your loan options without affecting your credit score.

Compare up to 4 providers

What do customers say about Reliable Credit?

BBB accredited Yes
BBB rating A+
BBB customer reviews 1 out of 5 stars, based on 9 customer reviews
Trustpilot Score
Customer reviews verified as of 24 December 2019

Reliable Credit personal loans does not have any Trustpilot reviews.

The main pain point appears to be customer service. Several reviewers called the representatives they spoke with rude and described them as incompetent — with reps forgetting to make changes to customer accounts and not keeping records of conversations. Some also had trouble with the online payment system.

How do I apply?

You can start your application online, over the phone or in person at a local branch. Follow these steps to get started online:

  1. Go to Reliable Credit’s website and click Apply for a Loan on the right-side navigation bar.
  2. Complete the form with information about how much you want to borrow and your personal finances. If you’re applying with a coapplicant, have them fill out their section. Otherwise, skip it.
  3. Review your application before submitting it.

What information do I need to apply?

You won’t need to provide much information to complete your application:

  • Social Security number
  • Driver’s license number

Step-by-step instructions to apply with screenshots

What happens after I apply?

A Reliable Credit loan officer will get in touch with you with an offer or more questions. If approved, review and sign your loan documents online. You can also request to have your loan documents sent to you in the mail — which can take some time — or sign them in person at your local branch. Your loan funds should be disbursed within 24 to 48 hours.

How do repayments work with Reliable Credit?

Reliable Credit personal loans come with monthly repayments. You can make yours online, by mail, in person, by check, by cashier’s check or over the phone for a $6 fee. Keep an eye on your loan balance and personal bank account. If you notice anything off or think you’ll have trouble making a repayment, reach out to your local branch.

If you don’t live in one of the four states Reliable Credit services, check out our personal loans guide to compare other providers.

Frequently asked questions

Personal loan ratings

★★★★★ Excellent
★★★★★ Good
★★★★★ Average
★★★★★ Subpar
★★★★★ Poor

We analyze top personal loan providers and rate them one to five stars based on factors that are most important to you. These factors include: rates and fees, customer reviews, loan amounts, loan processing and borrower experience.

Read the full methodology of how we rate personal loan providers.

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Reliable Credit is ideal for residents of Washington, Oregon, Idaho and Arizona who’ve struggled to qualify for a personal loan elsewhere. It doesn’t have any hard-and-fast credit requirements, meaning you might be able to qualify even if you don’t have a stellar credit score. You can also increase your chances of approval by applying with a coapplicant.

But if strong customer service is important to you, you’ll want to look elsewhere. Former customers complain of rude and incompetent representatives. And its rates are on the higher side compared to other lenders out there, though this isn’t uncommon since it works with borrowers of all credit types.

Not sure about Reliable Credit? Compare your other options below.

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