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Credit representative salary
Average credit representative salary
$39,268
Understanding the Salary of Credit Representatives
As of October 2025, the average salary for a Credit Representative stands at $39,268 annually, or approximately $19 per hour. This role involves assessing creditworthiness, managing accounts, and ensuring customer satisfaction. Salaries can differ based on various factors including geographic location, years of experience, and the specific industry of employment.
Where Credit Representatives Earn More
States with higher demand for credit professionals tend to offer better compensation. For example, locations with a robust financial sector may provide salaries that exceed the national average. Additionally, Credit Representatives employed in industries such as finance and insurance typically enjoy higher pay scales.
Career Opportunities
For those looking to advance in this field, gaining experience in customer service and finance can lead to higher-paying positions. Exploring roles such as Senior Credit Analyst or Credit Manager can significantly increase earning potential. Zippia offers valuable resources for job seekers to connect with employers and learn about career paths within this field.
Let Zippia find your next credit representative job
Let Zippia find your next credit representative job
Where can a Credit Representative earn more?
Credit representative salary estimates from across the web
Average credit representative salary by state
The average credit representative salary in New York, California, and Delaware are the highest in the U.S. The lowest average credit representative salary states are Missouri, Tennessee, and Oklahoma.
- State view
- County view
Highest paying states for credit representatives
| Rank | State | Avg. salary | Hourly rate |
|---|---|---|---|
| 1 | Delaware | $43,217 | $20.78 |
| 2 | Florida | $41,798 | $20.10 |
| 3 | New Hampshire | $42,066 | $20.22 |
| 4 | Vermont | $40,191 | $19.32 |
| 5 | New York | $55,225 | $26.55 |
| 6 | Wyoming | $41,249 | $19.83 |
| 7 | Ohio | $37,641 | $18.10 |
| 8 | Pennsylvania | $40,243 | $19.35 |
| 9 | California | $43,939 | $21.12 |
| 10 | Nevada | $39,286 | $18.89 |
| 11 | Rhode Island | $40,945 | $19.69 |
| 12 | Arizona | $35,118 | $16.88 |
| 13 | Hawaii | $39,319 | $18.90 |
| 14 | Connecticut | $41,517 | $19.96 |
| 15 | Maine | $34,462 | $16.57 |
| 16 | North Carolina | $36,325 | $17.46 |
| 17 | West Virginia | $34,834 | $16.75 |
| 18 | Texas | $34,420 | $16.55 |
| 19 | Washington | $38,648 | $18.58 |
| 20 | District of Columbia | $43,704 | $21.01 |
| 21 | Massachusetts | $39,310 | $18.90 |
| 22 | Iowa | $34,327 | $16.50 |
| 23 | Colorado | $33,536 | $16.12 |
| 24 | Georgia | $34,613 | $16.64 |
| 25 | Maryland | $39,584 | $19.03 |
| 26 | South Dakota | $33,237 | $15.98 |
| 27 | Virginia | $35,917 | $17.27 |
| 28 | Alabama | $33,352 | $16.03 |
| 29 | Wisconsin | $32,214 | $15.49 |
| 30 | Oregon | $36,374 | $17.49 |
| 31 | North Dakota | $32,999 | $15.86 |
| 32 | Montana | $33,828 | $16.26 |
| 33 | Illinois | $32,132 | $15.45 |
| 34 | South Carolina | $31,911 | $15.34 |
| 35 | Kentucky | $31,140 | $14.97 |
| 36 | Minnesota | $33,648 | $16.18 |
| 37 | New Jersey | $36,440 | $17.52 |
| 38 | Indiana | $30,257 | $14.55 |
| 39 | Arkansas | $27,883 | $13.41 |
| 40 | Mississippi | $28,148 | $13.53 |
| 41 | New Mexico | $30,323 | $14.58 |
| 42 | Alaska | $32,238 | $15.50 |
| 43 | Kansas | $28,702 | $13.80 |
| 44 | Louisiana | $27,140 | $13.05 |
| 45 | Nebraska | $31,178 | $14.99 |
| 46 | Utah | $26,825 | $12.90 |
| 47 | Michigan | $29,966 | $14.41 |
| 48 | Tennessee | $27,781 | $13.36 |
| 49 | Idaho | $25,977 | $12.49 |
| 50 | Oklahoma | $27,639 | $13.29 |
| 51 | Missouri | $27,788 | $13.36 |
Highest paying cities for credit representatives
The highest-paying cities for credit representatives are White Plains, NY, Newark, CA, and Miami, FL.
| Rank | City | Avg. salary | Hourly rate |
|---|---|---|---|
| 1 | White Plains, NY | $55,190 | $26.53 |
| 2 | Newark, CA | $44,705 | $21.49 |
| 3 | Miami, FL | $42,133 | $20.26 |
| 4 | Lancaster, PA | $40,022 | $19.24 |
| 5 | Boston, MA | $39,239 | $18.86 |
| 6 | Stow, OH | $38,817 | $18.66 |
| 7 | Atlantic City, NJ | $36,244 | $17.43 |
| 8 | Richmond, VA | $35,646 | $17.14 |
| 9 | Peachtree City, GA | $34,581 | $16.63 |
| 10 | Dallas, TX | $33,791 | $16.25 |
| 11 | Saint Paul, MN | $33,667 | $16.19 |
| 12 | Denver, CO | $33,458 | $16.09 |
| 13 | Sioux Falls, SD | $33,162 | $15.94 |
| 14 | Birmingham, AL | $33,147 | $15.94 |
| 15 | Fargo, ND | $33,114 | $15.92 |
| 16 | Chicago, IL | $32,224 | $15.49 |
| 17 | Myrtle Beach, SC | $31,981 | $15.38 |
| 18 | Omaha, NE | $31,188 | $14.99 |
| 19 | Indianapolis, IN | $30,060 | $14.45 |
| 20 | Knoxville, TN | $27,860 | $13.39 |
Credit representative salary details
A credit representative's salary ranges from $28,000 a year at the 10th percentile to $54,000 at the 90th percentile.
What is a credit representative's salary?
| Percentile | Annual salary | Monthly salary | Hourly rate |
|---|---|---|---|
| 90th Percentile | $54,000 | $4,500 | $26 |
| 75th Percentile | $46,000 | $3,833 | $22 |
| Average | $39,268 | $3,272 | $19 |
| 25th Percentile | $33,000 | $2,750 | $16 |
| 10th Percentile | $28,000 | $2,333 | $13 |
Highest paying credit representative jobs
The highest paying types of credit representatives are credit officer, senior credit analyst, and credit risk analyst.
| Job title | Annual salary | Monthly salary | Hourly rate | Job openings |
|---|---|---|---|---|
| Mortgage Analyst | $32,763 | $2,730 | $15.75 | 22,208 |
| Commercial Credit Analyst | $66,482 | $5,540 | $31.96 | 42,862 |
| Credit And Collections Analyst | $49,262 | $4,105 | $23.68 | 18,105 |
| Collections/Accounts Receivable | $38,949 | $3,246 | $18.73 | 30,523 |
| Credit Analyst Internship | $36,103 | $3,009 | $17.36 | 71,898 |
| Credit Administrator | $59,271 | $4,939 | $28.50 | 55,726 |
Top companies hiring credit representatives now:
Which companies pay credit representatives the most?
Credit representative salaries at Systemax and Resorts World Catskills are the highest-paying according to our most recent salary estimates. In addition, the average credit representative salary at companies like Hamilton Beach and Land O'Lakes are highly competitive.
| Rank | Company | Average salary | Hourly rate |
|---|---|---|---|
| 1 | Systemax | $47,509 | $22.84 |
| 2 | Resorts World Catskills | $46,277 | $22.25 |
| 3 | Hamilton Beach | $46,205 | $22.21 |
| 4 | Land O'Lakes | $46,153 | $22.19 |
| 5 | Citi | $45,752 | $22.00 |
| 6 | Guidehouse | $45,645 | $21.94 |
| 7 | Beaumont Health | $44,736 | $21.51 |
| 8 | Ocean Casino Resort | $43,618 | $20.97 |
| 9 | Resorts Casino Hotel | $43,517 | $20.92 |
| 10 | Baptist Health Care | $42,970 | $20.66 |
| 11 | Henry Schein | $42,321 | $20.35 |
| 12 | Ecolab | $41,061 | $19.74 |
| 13 | Cemex | $40,366 | $19.41 |
| 14 | Tower Federal Credit Union | $40,299 | $19.37 |
| 15 | Tenet Healthcare | $40,248 | $19.35 |
| 16 | M&T Bank | $40,029 | $19.24 |
| 17 | Schools | $39,639 | $19.06 |
| 18 | Dahl Consulting | $39,639 | $19.06 |
| 19 | Global Industrial Technologies Inc | $39,570 | $19.02 |
| 20 | Mohegan Sun | $38,994 | $18.75 |
Wage gap by gender, race and education
Credit Representative salary by industry
The average credit representative salary varies across industries:
- The average credit representative salary in the construction industry is $39,878, the highest of any industry.
- The average credit representative salary in the finance industry is $39,650.
- Credit representatives in the retail industry earn an average salary of $37,023, the lowest of any industry.
Highest paying industries for credit representatives
| Rank | Industry | Average salary | Hourly rate |
|---|---|---|---|
| 1 | Construction | $39,878 | $19.17 |
| 2 | Finance | $39,650 | $19.06 |
| 3 | Health Care | $38,562 | $18.54 |
| 4 | Manufacturing | $37,570 | $18.06 |
| 5 | Retail | $37,023 | $17.80 |
High paying credit representative jobs
Credit representative salary trends
The average credit representative salary has risen by $7,459 over the last ten years. In 2014, the average credit representative earned $31,809 annually, but today, they earn $39,268 a year. That works out to a 7% change in pay for credit representatives over the last decade.
Compare credit representative salaries for cities or states with the national average over time.
Average credit representative salary over time
Compare credit representative salaries for individual cities or states with the national average.
Credit representative salary by year
| Year | Avg. salary | Hourly rate | % Change |
|---|---|---|---|
| 2026 | $39,300 | $18.88 | +1.8% |
| 2025 | $38,600 | $18.55 | +2.9% |
| 2024 | $37,500 | $18.01 | +0.3% |
| 2023 | $37,300 | $17.95 | +1.9% |
| 2022 | $36,600 | $17.61 | +0.4% |
Recently added credit representative salaries
| Company | Job | Location | Date added | Salary |
|---|---|---|---|---|
| Johnson Brothers | Credit Representative I | Saint Paul, MN | 06/27/2025 | $45,392 |
| Professional | Credit Representative | Springfield, OR | 06/20/2025 | $35,479 |
| Masco | Lead AR/International Credit Representative | Vista, CA | 06/19/2025 | $53,323 |
| Milton Cat | Credit Representative | Londonderry, NH | 06/14/2025 | $50,088 |
| Milton Cat | Credit Representative | Tonawanda, NY | 06/14/2025 | $50,088 |
| MSC Industrial Direct Co., Inc. | Credit Representative/Hybrid | Southfield, MI | 06/13/2025 | $33,392 |
| Vontier | Credit Representative I-Hybrid Pm-9Pm EST) | Stow, OH | 06/12/2025 | $41,740 |
| Farm Credit East | Credit Representative or Loan Officer | Hope, ME | 06/09/2025 | $53,000 |
| North American | Credit Representative | San Diego, CA | 06/07/2025 | $48,001 |
| J.Polep Distribution | Credit Representative | Chicopee, MA | 05/23/2025 | $35,479 |
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