1. TAPCO Credit Union

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Gig Harbor, WA

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Updated 3 months ago

Services - TAPCO Credit Union

Personal banking

Auto loan

Business loan

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3 years ago

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3 years ago

Clear communication when opening an account. Several options offered. Great customer service.

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Ask the Community - TAPCO Credit Union

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Reliable Credit Association

Reliable Credit Association

(50 reviews)

I have been with Reliable Credit for nearly a year a now. They were the ONLY place to approve me…read morefor a car loan, even with a previous repo on my credit. My score was horrible, and i was and still am, in the process of building my credit. I had very high interest rate (29.9%) but i was told this, upfront. This isn't their fault that i had crappy credit and i was in desperate need for a car, so i took what they gave me. Their phone fee is a bit steep (like $7 bucks or something) but i always pay online, and have never once had any issues with that either. I will admit i have made 2 late payments (i believe one was 2 days late, the other was 3 days late) they never called and harassed my friends or family or job. About 6 months into the loan, i did have issues with my car and they refinanced the loan and i took out a $1,000 loan added my to car loan to get my car fixed. My interest rate did drop down to 25%, my monthly payments went up by $50 but I'm still sitting at under $300 a month which is doable. I'm guessing all the negative reviews come from people who don't put their priorities first, pay late, don't keep in contact etc....if you're gunna be a few days late? Call them!!!! You have bad credit, take what you can and stop complaining. You put yourself here, now fix it!! My credit score has went up near 60 points since my loan here. I now have 3 other lines of credit, since getting a loan from this place, when previously, nobody else would even look at me because of my previous credit issues. The only reason i gave them 4 stars is because it does take a while to reach them when calling, I've sat on hold for over 10 minutes before, and i remember once, i called 4x in one day and i never got through. I ended up calling the next day. Also, they could be a bit more thorough when giving another loan and adding it to your car loan, i guess i thought it was 2 separate loans at the time and i wanted to pay off the $1,000 loan but was unable to, because it was roped in with my car. No biggie, i understood after it was explained on the phone later down the road.

They're great and honestly reliable. I've been out of work due to severe illness and they've been…read moresuper great about working with me on payments, changing my payment date, and all the office staff is really nice. Honestly, they even repoed my car and I'm not even mad. They're doing their best to work with me to get it back. I highly recommend them!

TAPCO Credit Union - banks - Updated November 2026

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