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United Finance Co is a leading local family owned consumer finance company founded in 1922, and operating 27 branches in Oregon, Washington (35954), and Nevada. We offer consumer loans for autos, debt consolidation, and other borrowing needs. United Finance Co also purchases finance contracts from auto, motorcycle, and boat dealers, furniture stores, and other sources.

For Oregon residents looking for a good place to invest, United Finance Co pays one of the highest Annual Percentage Yield rates of any financial institution. Learn more about our investment certificates or request a free prospectus.

We offer consumer loans for new and used cars, debt consolidation, and other borrowing needs, even if you have bad credit. If you have had a previous bankruptcy, charge off or collections we may still be able to help. We try harder to say YES, and we make LOANS NOW!! United Finance Co can also work directly with your local new or used auto dealer, furniture stores, and other sources to finance your purchase.


United Finance Co reports to all three of the major credit bureaus and we look forward to helping you rebuild your bruised or damaged credit. If youre a first time buyer, we can also help establish your credit. Submit an application online or call any of our 24 office locations. You can also come in and visit any of our local offices where we can personally take your application and make your LOAN NOW!

Dont let a poor credit rating stop you from buying the car you deserve. United Finance Co will work with your bad credit rating so that you can go home with with a reliable car with a reliable used auto loan. Less-than-perfect credit can be overcome, you just need the right tools. Don’t live another day with bad credit, start rebuilding your credit today.

The best way to repair bad credit is to be responsible over an extended period of time. Pay on time, every time, and youre on your way to better credit:

Work with a lender, like United Finanace Co, that understands the implications of poor credit. We report rigorously to the credit bureaus.

Use an online bill payment service to schedule your bills to be paid automatically the day before your due date.

Get a savings account at the same time as the car loan.

If you run into a situation where you know youll have trouble paying your monthly amount, contact United Finance immediately to discuss options to reduce the impact on your credit score.

Getting a loan is a lot easier if you understand the factors that influence how we make loans. Understanding how you look to a lender can help you get a better loan. Take a look at these PDFs to understand more about Risk and Loans.

United Finance Co. is an Oregon Corporation, wholly owned by United Group, Inc., primarily engaged in the consumer finance business and in the sale of credit insurance. The company has 18 consumer-finance offices located in Oregon and related Company operations, under United Group, Inc., with 5 offices in Washington and 4 in Nevada. The Corporate Headquarters is located in Portland at 515 East Burnside, 97214.

United Finance Co. traces its origin to an automobile financing business founded in 1922 by Ralph C. Parker. In 1944, Ralph C. Parker joined a partnership, United Finance Co., which was the company’s immediate predecessor. United Finance Co. was incorporated March 22, 1954 and Richard H. Parker became president in 1956. Richard H. Parker, Jr. serves as Chairman of the Board with Richard H. Parker, III serving as President and CEO. The company officers have over 100 combined total years with United.

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