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Credit Concepts, Inc.

  • Finance
  • Edmonds, WA

About this business


We opened Credit Concepts in 1997 because we believe everyone deserves to be invested in and provided with opportunities to grow. We assign each of our customers their own account manager because we believe that the better we know each of our customers, the better able we’ll be to help find solutions for their unique lives and goals. We designed our payment options with our customers’ busy lives in mind. Whether you’re running long haul delivery, taking the kids to and from daycare, or busy with a full class load, we want y... read more

Location details

23632 Hwy 99 V, Edmonds, WA, 98026, United States

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Mon8:30 a.m. to 5:30 p.m.
Tue8:30 a.m. to 5:30 p.m.
Wed8:30 a.m. to 5:30 p.m.
Thu8:30 a.m. to 5:30 p.m.
Fri8:30 a.m. to 5:30 p.m.
4.935 reviews
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Zeke Watts 
3 months ago

So glad my account is settled with these people. I was young and didn’t understand everything to do when my car got totaled and 5 years later in life I realized it was still on my credit so I reached out to set up a payment arrangement or to pay in full and immediately nothing but horrible very rude entitled customer service. I eventually paid in full and both times I went into the Federal way location the lady at the front desk was very nice!! but everyone there treated her very badly !! Talking to her very rudely because s... read more

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elima bird 
3 months ago

Horrible customer service, rude, snotty supposed managers who say things to paying customers like "well you probably couldn't get financed anywhere else," when I mentioned their horrible phone etiquette and rudeness. Do not recommend. Retaliatory customer service, now they sent a person to serve me papers and called me a liar when I said I was not served. Taking me to court so she says and refused payment. Absolutely apalling. 

OMGTR 702's profile image
OMGTR 702 
a year ago

Everyone knows car shopping can go good or bad and for me the experience was off to a bad start with the dealership I was at selling the car from under me and credit concepts was the only lender to give me a chance, credit concepts was swift to adjust the loan when i needed to change cars and dealerships making the process turn into a positive one, Bryan listened to my request and was able to get my deal closed within a hour! Thanks Bryan for all the help and suggestions to make the process smooth! 

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Armani Mitchell 
4 months ago

These guys approved me for a loan of 13k with a co-signer (paid loan off) I later went and tried to take out an auto loan by myself got approved for 7k I was told by Brian if I had a co-signer it would be more so I go and get a co-signer and Brian denies my loan all together after paying off a 13k loan and already being approved for a 7k loan doesn’t make sense there’s no structure with their approval process not to mention my income has increased by 2k a month and nothing has changed as far as credit….i was gonna one star t... read more

Prem Gnanarajah's profile image
Prem Gnanarajah 
a year ago

Let me tell you all something. If you have bad credit GO WITH CREDIT CONCEPTS! since I was 19 I've been financing with them as they were the only company willing to finance me. With this being said it's been a fun 6 years and will forever be grateful for them despite the interest rates. If you need a car, forget the APR! Now that with their help of positive payments, car loans and rebuilding my credit I've gotten myself into a 7% APR Loan on a $30K car with another company. If you need a lending hand in tough times go with C... read more

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Frequently asked questions about Credit Concepts, Inc.

How is Credit Concepts, Inc. rated?

Credit Concepts, Inc. has a 4.9 star rating with 35 reviews. 

When is Credit Concepts, Inc. open?

Credit Concepts, Inc. is closed now. It will open at 8:30 a.m.