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Personal Loans
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Personal Loans
Student Loan Refinancing
Student Loans
Home Purchase
Home Refinance
Insurance
Personal Loans
Student Loan Refinancing
Student Loans
Home Purchase
Home Refinance
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Actual Prequalified Rates
If it's not a real rate, it's not Credible.
No mysteries. No bait-and-switch. You see real prequalified rates for loans that are available to you with no impact to your credit score. Checking rates on Credible is 100% free.
Illustrative purposes, actual results may vary.
Prequalified rates are not a firm offer of credit
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Designed to protect your privacy.
Our marketplace is built to defend you from unwanted marketing and pushy sales calls. We limit the personal data we collect and only share it with lenders with your permission.
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The only favorite we have is you.
We're not comfortable with getting paid to rank products higher, sell your data, or hide fees. Know exactly what your cost breakdown is before selecting a lender.
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Since 2012, we've strived to be the most trustworthy personal finance marketplace.
Since 2012, we've strived to be the most trustworthy personal finance marketplace.
We helped Over
8.9 million users
compare prequalified rates
Excellent rate and terms
Simple application process. Interest rate and terms better than my bank, credit union, and another lending company that I have used twice...
Great service
I was feeling overwhelmed with loan options and deciding which one was best for me. This service gave me the confidence I needed in an easy way...
Could not believe how easy
I received a very quick response and the money was in my account the very next day. I would recommend this company to anybody.
Awesome
Very easy process. Loan was processed quickly. Payment plan and terms are great.
The rates were great
Much lower than what I was able to find just going through individual companies. Verification was fast and the funds were in the bank in 2 days.
Credible made it easy...
The steps were easy to follow and I trusted the previous positive reviews I had seen elsewhere online. Now I’m one of them!
The BEST
The absolute BEST way to get a personal loan. My experience was easy, and incredibly fast. Highly recommend.
Easy
Surprisingly easy and I’m amazed that I am not getting spammed after I made my decision.
Grateful
What made my experience great was that I got approved after a few lenders and credit unions weren’t approving me. Definitely helps my family. Thanks!
Competitive rate offerings
Overall was impressed with the reasonable options given the high interest rate environment we are in. The refinancing will save me thousands
Individual experience may vary.
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Consolidate credit cards and other debt to a lower rate. Or fund a home improvement, wedding, vacation, and many other financial goals.1
Refinance federal, private, and Parent PLUS loans to lower your interest rate or reduce your monthly payment.
Comparing lenders is the smart way to pay for school. Cover up to 100% of your school-certified costs after financial aid.
Compare multiple mortgage lenders in minutes. Our lenders are here to help you every step of your home buying journey.
See accurate and transparent pricing from multiple refinancing lenders in minutes. Apply online to the lender that is right for you.
Insurance is not “One Size Fits All”. Compare custom fit options to find home coverage that best suits your needs.
Kick-start your payoff strategy, optimize your payments, and find new ways to save. We’ll even calculate your chances of prequalifying.
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Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender, a bank or a credit card issuer — we partner with top financial service providers so that they can provide you with a variety of competitive options, enabling you to quickly find the right financial product for your needs. Best of all, comparing rates on Credible is completely free and won't impact your credit score!
You can find out more about our company on our
Nope! Credible performs a "soft credit inquiry" to provide personalized prequalified rates for the loan products on our site. Soft credit inquiries do not affect your credit score.
Once you choose a loan product on your Credible Dashboard, and once you decide to move forward with a particular lender, a hard credit inquiry will be performed, which will impact your score. Likewise, if you apply for a credit card, the credit card issuer will perform a hard credit inquiry when you apply for a credit card.
With Credible’s lending marketplace, you can fill out a simple, streamlined form, and instantly see which lenders you prequalify for and at what rates. These are personalized, prequalified rates based on your credit history. Checking your prequalified rates with Credible will not affect your credit score.
Many other comparison sites will only provide you with generic information about a given financial service provider — the rates and information you see will not be specific to you and your credit history. You might be able to go to a specific lender’s website and see your personalized prequalified rates, but you’ll only be able to do this for one lender at a time.
We want this to be a “win-win” situation. So we only want to get paid if we bring you value in the form of finding a personal finance option that works for you. The way we earn money depends a bit on the product that you use, so here’s a breakdown of how that works on Credible.
For student loans and student loan refinance, Credible receives compensation from our lending partner when we help you find a product from one of our lending partners. The compensation does not impact how and where lenders appear on our site, and Credible charges charges you no fees of any sort.
For personal loans, Credible receives compensation from the lender if you finish the loan process and a loan is disbursed. The amount of our compensation does not impact how and where lenders appear on our site, and Credible charges you no fees of any sort. Some lenders may take traffic sources into account when offering credit terms.
For mortgages (purchase and refinance), after you prequalify and review and select a lender participating on our platform, we will transmit the information you shared with us to your lender, who will contact you and enable you to complete a mortgage application with them. Generally, our lenders pay us and incorporate the cost of our services as part of the final interest rate on your loan, or in your loan amount. You don’t pay anything to Credible if your loan does not close. This is common practice in mortgage transactions where you find your lender through a lender-review platform like ours, also known as a “lead generator.”
1Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 6.99% - 35.99% APR with terms from 12 to 120 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32, assuming your lender deducts the origination fee from the offered loan amount. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.
Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile.
2To check the rates and terms you may prequalify for, Credible conducts a soft credit pull that will not affect your credit score. If you choose a lender and continue with your application, the lender will usually conduct a hard credit pull that may impact your credit score.
Debt consolidation and credit card refinancing involve using a new loan to pay off your existing balance. This does not eliminate debt, but replaces one debt with another. While personal loan rates generally are lower than credit card interest rates, you may pay more in origination fees and interest over the life of the loan depending on other loan terms. Please consult a financial advisor to determine if refinancing or consolidating is right for you.
1Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 6.99% - 35.99% APR with terms from 12 to 120 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32, assuming your lender deducts the origination fee from the offered loan amount. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.
Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile.
2To check the rates and terms you may prequalify for, Credible conducts a soft credit pull that will not affect your credit score. If you choose a lender and continue with your application, the lender will usually conduct a hard credit pull that may impact your credit score.
Debt consolidation and credit card refinancing involve using a new loan to pay off your existing balance. This does not eliminate debt, but replaces one debt with another. While personal loan rates generally are lower than credit card interest rates, you may pay more in origination fees and interest over the life of the loan depending on other loan terms. Please consult a financial advisor to determine if refinancing or consolidating is right for you.
