What are your business hours?

Branch locations are open Monday through Friday from 8:30am to 5:30pm.

How do I contact you?

Click on Contact Us for a listing of our branch telephone numbers and addresses as well as electronic communication.

Why should I register for eServices?

eServices allows you to securely obtain online access to view your account, make one time and automatic payments, manage your communication preferences and much more.

How do I register for eServices?

Click on Register Now and follow the simple steps.

Can I choose the delivery preference of some of your communications?

Yes, through eServices you can make some choices between email, text messaging and print.

How do I change my telephone number, address or email address in your records?
Through eServices you can securely manage your contact information or contact the branch location servicing your account.
Can I set up a payment reminder?

Yes, through eServices you can choose between email and text messaging.

Will I receive a monthly statement or payment coupons?

They are available upon request through eServices or Customer Service.

How do I make payments?

Online - Automatic ACH payments and one time ACH and one time debit card payments. Click on Make a Payment.

Telephone - One time ACH and one time debit card payments can be accepted over the telephone by calling the branch location that services your account. A convenience fee may apply.

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, cashier's checks, cash, one-time ACH, and one-time debit card payments are accepted in the branch locations.

Does my contract or loan allow for a grace period?

No, monthly payments are due on or before their due date, however we typically do not assess a late charge unless payments are more than 10 days late. Please remember that paying late delays repayment of your principal balance resulting in additional finance charge or interest accruing over the life of your account.

Please see your contract or loan documents to review your late charge provision.

What should I do if my monthly payment is going to be late?

Please contact the branch location servicing your account to discuss your situation.

How do I change my due date?

Typically we will allow a customer to change their due date once in the term of their contract or loan, if we decide the change will truly help the customer make future payments on time. Please contact the branch location servicing your account to discuss your request.

How does finance charge or interest accrue?

Your finance charge or interest (as applicable) is computed on a daily basis as it accrues on your unpaid principal balance at your annual percentage rate (APR) or interest rate (as applicable). You can reduce the cost of your finance charge or interest if you pay before your monthly due date, you pay more than your monthly payment amount or you do both. Conversely, you will increase the cost of your finance charge or interest if you pay after your monthly due date, you pay less than your monthly payment amount, or you do both.

Is there a penalty for prepayment?

No, even if the law allows us to impose a penalty.

How do I obtain a payoff amount on my contract or loan?

Please contact the branch location servicing your account.

Why is my unpaid principal balance different from my payoff amount?

The unpaid principal balance available through eServices or on your monthly statement (if applicable) is not your payoff amount because your unpaid principal balance does not include accrued but unpaid finance charge or interest, accrued but unpaid late charges or other fees (if applicable), and any refunds of insurance premiums (if applicable).

Why is my payment amount due different from my monthly payment amount (if applicable)?

Your payment amount due includes any regular monthly payment(s) due, any unpaid late charges and any prior short or over amount. The prior short or over amount is the difference between the amounts you have paid and the amounts due, as of the date of your monthly statement (if applicable) or the last close of business for eServices. For example, if you are due for $315 and you only pay $300 then you are short $15. On the other hand, if you are due for $315 and you pay $325 then you are $10 over. Provided your account is not in default, the minimum amount necessary to advance your payment due date is the lesser of your payment amount due or regular monthly payment(s) due. However, please remember you will generally accrue less interest or finance charge in the future if you pay the greater of the two amounts. If your account is in default, we may require the greater of the two amounts or a different amount.

Where can I go to get more information about credit?

You can visit the American Financial Services Association Education Foundation's website at for general information about vehicle financing, credit cards, and personal loans.

For information about credit reports you can visit,, and,

How do you apply my monthly payments?

Your monthly payments are applied first to accrued and unpaid finance charge or interest, then to any accrued and unpaid fees, and then to your principal balance.

How is the interest rate established?

Reliable Credit®, in our sole discretion, will consider interest rates being paid by other lenders, including but not limited to interest rates being paid on money market accounts, short term certificates of deposit, and other similar investments.

How often can the interest rate change?

We will set the interest rate not more often than every three months, for periods commencing January 1, April 1, July 1, and October 1 of each year.

Is there a penalty for prepayment?


How is the interest paid?

Interest shall be paid on the last day of March, June, September, and December, or more often at the option of Reliable Credit®, or interest may be added back into the indebtedness and compounded quarterly upon concurrence of the certificate holder and Reliable Credit®.

Are the certificates insured by a governmental agency like the FDIC or SIPC?


Are there risks to buying these certificates?

Yes. Please review the offering circular in its entirety before making any decisions regarding this investment opportunity.

What governmental agency regulates these certificates?

These securities have been registered with the director of the Department of Consumer and Business Services of the State of Oregon. However, this fact does not in any way constitute an endorsement or commendation by the director.

Can only Oregon residents purchase these certificates?

Yes. These securities are offered only to bona fide residents of the State of Oregon who purchase solely for their own account for purpose of investment and not with a view toward distribution.

What is the minimum transaction amount?


How long has Reliable Credit® been in business?

Since 1958.