Dealers

Reliable Credit has purchased retail installment contracts from approved dealers for more than 65 years. We purchase contracts for the purchase of retail goods and services such as automobiles, motorcycles, and recreational vehicles.

Working with Reliable Credit

Instead of offering a “one size fits all” approach to contract buying, we listen to all our dealers’ needs to employ buying programs designed to reasonably fit each dealer’s financial goals. We offer non-recourse, limited recourse, and full recourse programs. And depending on value, we can buy contracts at par, at a discount, or at a premium. Credit investigation is most often completed during underwriting, not funding. This minimizes stipulations and uncertainty, speeds up funding and reduces contracts being returned to our dealers.

Experience Still Matters

Although we use a variety of technologies to help us underwrite buyer’s creditworthiness and decide a contract’s value, the final buying decision always rests with an experienced credit officer with discretion, not an algorithm. This “human element” helps us to make sound, logical, and consistent credit decisions. Furthermore, our credit officers will provide service with a smile, professionalism and in a manner consistent with how they wish to be treated.

Connecting with Technology

Approved dealers can submit credit applications to Reliable Credit via the Dealertrack, DealerCenter, RouteOne, and CUDL platforms, as well as by fax. We currently accept digital contracts through Dealertrack.

For more information about our dealer buying programs please contact our branch nearest you, or one of our Directors of Dealer Marketing: Chris Scott 360-791-7813 [email protected]; or Mike Abraham 503-462-3021 [email protected].