Get Approved & Build Your Credit!

We offer auto loans and personal loans to meet your goals and improve your credit along the way.

Home page alert bar

Get a Car

Have the freedom to go where you want, when you want.

Build Your Credit

Whether you have no prior credit or you’re recovering from a rough patch, we can help you level up.

Get the Money You Need

Take care of that car repair, cover your education expenses, or take a long overdue vacation.

No Credit? Bad Credit?
Recovering from bankruptcy?

We’d like to help.

Anyone who’s gone through a financial rough patch knows what it’s like to feel trapped in a debt cycle. You may be making just enough to get by or, like many of us, you may feel over extended on your credit cards and find yourself unable to pay down the balance.

A personal loan or debt consolidation loan could be just what you need to break free from the cycle. However, a recent history of credit problems, or no credit history at all, can make it difficult to secure a loan.

That’s where we come in. 

At Credit Concepts, our goal is to help our community members move beyond a history of credit problems and build credit they can be proud of. We offer installment loans and auto financing to help you fulfill your goals and build better credit at the same time. We report your payments to the credit bureaus so you can watch your credit rating improve each time you make a payment. 

Our goal is to set you up for success and provide excellent customer service along the way. We work with you to find the best solution to reach your goals and walk you through the process so you know your loan inside and out.

We want everyone in our community to have the same access to opportunity.
No matter what your job or what neighborhood you come from, we believe that everyone deserves to be invested in.

There are plenty of good reasons to secure a loan.

Whether you need a car loan, personal loan consolidation or a little extra cash for a special occasion,
we help you get the financing you need.

Auto Loans

Personal Loans

Satisfied Customers

Stan the MAN
June 18, 2024

Great company! The staff there are very helpful! Jenny and Rick are the best!

Brandi Bouchey
May 22, 2024

Not only do they deal with me && what I bring to the table by helping me switch my payment dates as a one time deal but they’re extremely nice , caring && understanding ! Thank you so much for everything you do for me !

Jerett McAlister
March 20, 2024

Theresa is the best customer service person in this business she is helpful understanding and always goes above and beyond she does what she says and says what she does someone promote her please

Why Choose Credit Concepts

We’re Here for Your Success

We pair you with your own account manager who knows your story and supports your goals.

Pay Easily from Anywhere

We offer payment options online, by text, over the phone and in-person.

Improve your credit

Watch your credit score improve with each payment you make.

We put our money where our community is.


in business


States: Oregon, Nevada, Idaho & Washington



Apply for a Loan

Ready to get started?
Apply online or give us a call
and we’ll walk you through the process.

Ask a Question

Not sure if a loan is right for you?
Not sure where to start?
We’re here for any question any time.