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BestMoney.com
Credible Review
Compare today's refinance rates
Reviews 5,321
Credible
Credible
Excellent
Reviews 5,321
Bestmoney Staff
Nov. 02, 2022
1 min read
BestMoney Staff
Credible summary
The Credible.com mortgage marketplace provides actual offers from multiple lenders and a streamlined digital process from shopping to application. Credible has facilitated over $1.6 billion in loans across a wide range of industries, a tribute to the simple and streamline comparison process that they offer. Credible does not sell any user data to third parties.
Pros
  • Digital application process
  • Apply online in 3 minutes
Cons
  • Only available in 41 states
  • Not a direct lender

Credible at a glance

4.6
Editorial score

Customer Service and Support

Excellent customer service
5.0

Variety of Loan Types

Marketplace lender
5.0

Variety of Products

Variety of loan terms
5.0

Online Experience

Access to array of learning material
4.0

Geographical Availability

Licensed in 47 states
4.0

Overview

Credible.com’s mortgage marketplace builds on the success of the company's marketplaces for student loans, student loan refinancing, and personal loans, which have facilitated more than $1.6 billion in loans. Credible’s integrations with lenders and credit bureaus make it a snap to compare offers across multiple lenders without impacting your credit score, and you don’t have to worry that your personal information will be shared with any lender other than the one you choose to work with. Once you see an option you like, Credible’s streamlined process and licensed loan officers provide a seamless experience. 

Suitable for? 

Credible is a good choice for consumers who want peace of mind coupled with the ease of a digital application process. 

Credible brought its marketplace model to mortgage lending because consumers often get rates from only one lender and end up paying too much. Unlike rate comparison sites that often provide misleading teaser rates or ballpark estimates, Credible never sells your data for marketing purposes.

Loan Features 

Credible is a licensed, technology-enabled mortgage broker. Credible currently works with. Credible’s partner lenders offer a wide range of products, from conforming fixed-rate and adjustable-rate mortgage (ARM) loans to jumbo loans

Credible Highlights:

  • Multiple lenders in 3 minutes
  • No impact on credit score 
  • Personal information is never sold
  • Licensed loan officers available for those who need additional support

The Application Process 

It takes about 3 minutes to fill out Credible’s application form. Eligible borrowers can access a dashboard with multiple lenders to choose from, thanks to Credible’s integrations with lenders and credit bureaus. 

Loan Terms—The Bare Basics 

As a marketplace working with several lenders, Credible provides access to a wide variety of loans and loan terms. Terms are not set by Credible, but by the lenders who compete through its marketplace. However, the Credible marketplace makes it easier for you to compare loans, because of its transparency. 

Repayment Terms 

The lenders competing for your business through the Credible mortgage marketplace offer a wide range of repayment terms. Conforming fixed-rate mortgages with 10-, 15-, 20-, 25- and 30-year terms are available, as are 3/1, 5/1, 7/1 and 10/1 ARM loans. Jumbo loans with 15- and 30-year terms are also popular, and 5/1, 7/1 and 10/1 jumbo ARMs are available to qualified borrowers. 

Help & Support 

As a licensed mortgage broker, Credible’s loan officers are available to assist borrowers shopping for a mortgage by phone, email and online chat. You can also call Credible’s customer support line, or reach the company’s client success team by email. 

Summary 

If you want the peace of mind that comes from comparing your mortgage options without the hassle, Credible is worth looking into.

Although there aren’t as many lenders in the Credible marketplace as on some rate comparison sites, the ability to search for home loans without exposing yourself to a barrage of marketing is very appealing.

Physical Address

Credible Operations, Inc. NMLS ID# 1681276

318 Blackwell Street Ste 120A

Durham, NC 27701

*Credible Operations, Inc., NMLS #168276, not available in all states

This content is not provided by Credible or any of the Providers on the Credible website. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Credible.

BestMoney Staff
Written by
Bestmoney Staff
Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.
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Trustpilot reviews
See what some costumers are saying about Credible
Credible
Excellent
Reviews 5,321
on
Excellent
86%
Great
9%
Average
2%
Poor
1%
Bad
2%
A
alexander mcfall
2 days ago
Easy and quick process
Easy and quick process. Found the best rate here!
J
jakob borosky
2 days ago
This experience was smooth from start…
This experience was smooth from start to finish. Everything moved quickly and easily. I would recommend this service to everyone.
K
kelly thompson
3 days ago
Easy
It was very easy and fast. I would have liked to talk to someone just to verify all was good and to answer questions. I had to figure out how to contact the service to get these questions answered.
C
christin shaji
6 days ago
Truly Amazing
Truly Amazing. My entire loan application went smoothly. Thank you very much for the loan originating officer for the timely advices. Surely recommending to others for their loan requirements.
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rocky brooks
9 days ago
Please let have the loan then I will be out of debt
I need the money to bring my wife home fromUtah to here cause I love her very much and I need her home with me but we have alot of thing that we need so can I get the loan for 3000 dollar please and thank you for your help
K
kevin fadden
10 days ago
The process was very easy
The process was very easy. We did it all from our couch. We had tried to refinance 3 other times with 3 different banks and none of them were interested, even with s co-signer who has a credit score greater than 810. For anyone looking to refinance private student loans I highly recommend working through Credible.
a
anthony gasso
14 days ago
Process was simple but thorough
Process was simple but thorough. I am very satisfied overall. I received a very fair interest rate. Thank you!
M
marissa chan
14 days ago
Helped me find the best interest rate…
Helped me find the best interest rate with reliable sources. It eliminated the effort I would’ve had to put in to go to each site individually and apply. Definitely helpful.
R
robert kussmann
14 days ago
Makes shopping for the best lender easy
Helped me find the best interest rate among the various lenders, where before I was looking up individual lenders and checking my rate on each of their sites, which got cumbersome very quick. Overall, very useful for shopping around for the best deal for refinancing.
C
caitly
16 days ago
Very Helpful Service
Matched me with the right refinance option; made the process easy and user friendly.
R
rukayat akinola
21 days ago
You gave more options than I was…
You gave more options than I was previously aware of. Thank you!
D
denise
21 days ago
It was so easy
Great service
A
alex
a month ago
A Good Experience
Quote interface was easy to use, and Evan was knowledgeable and quick to respond to questions. The entire process was smooth even through a few adjustments I had to make due to updated information.
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travis schneider
a month ago
Spoke to Kenna today with Credible to…
Spoke to Kenna today with Credible to help me with some loan arrangements and information. She was delightful to speak to and very professional while still offering expedient service and caring quickly for my needs. Keep being awesome Kenna!!!
J
james smith
a month ago
student loan
Simple, quick experience. Other loan providers gave me the runaround. MEFA did things exactly as they stated.
J
jorge hinojosa
a month ago
Very easy to apply and to choose among…
Very easy to apply and to choose among alternatives.
I
it
a month ago
The rates are significantly higher than…
The rates are significantly higher than advertised.
N
norma
a month ago
Great Attitude
I Appreciate the Understanding and Kindness of the Representatives when I spoke with them about my policy. Keep up the Great work Credible!!!
J
jaclyn
a month ago
Easy process with choices to compare.
Easy process with choices to compare.
J
jorge higueros
a month ago
I love the simplicity of it
I love the simplicity of it, very easy and would highly recommend it!
z
zach
a month ago
Easy way to refinance!
Easiest refinance I've ever done.
J
justin rock
2 months ago
Fast, convenient, & accurate
Fast, convenient, and accurate!
Z
zay
2 months ago
It was easy to get matched with a loan…
It was easy to get matched with a loan refinancing program
H
hunter
2 months ago
Student Loan Refinance
Very straight forward and easy steps to follow for getting student loan interest rates.
W
wanda baker
2 months ago
The process was quick and simple
The process was quick and simple. I obtained a loan for the exact amount needed for my course. Thank you
M
michelle whitman
2 months ago
The loan process was streamlined
The loan process was streamlined, easy, and quick; I was approved in less than 24 hours with funds disbursed to pay off my private student loan, at a much higher interest rate, sent off within 72 hours:) I could not be happier to finally see the end of my loan commitment in sight! Thank you!
K
kevin ward
2 months ago
Easy to use
Easy to use, helpful and very good results
M
mrs. becker
2 months ago
It was fast
It was fast. Over the phone person was extremely nice and knowledgeable. All my questions were answered. Rate was the lower than any other I received
R
ree bee
2 months ago
Easy process
Easy process. I went from 16% variable interest rate to 7.2 fixed!!!! Saves me $200 a month. Couldn’t be a better service. Thank you guys!!!!!!!
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garrett tedeman
2 months ago
Student Loan Consolidation with Elfi
Student Loan Consolidation with Elfi Had finally gotten in a solid position to apply for a consolidation loan and had a bit of free time one evening just before the holidays (around 12/10/22). Fortunately, had remembered that Credible.com offered a multiple-offer mechanism. This was really helpful since, at the time, just didn't have the bandwidth to research a range of options, but wanted to go ahead if something was workable at that point. Also, the guess that a search via Credible would likely preference loan servicers that had better online app-processing was also correct and was able to get everything submitted and processed online, with a final review by a rep. to confirm very quickly. ...Certainly, this all saved a couple of months (at least) of a more usual process. Very much appreciate the service and was approved just in time for the Holidays to boot.
T
travis goss
2 months ago
Makes it less complicated and finds…
Makes it less complicated and finds some good rates! Very easy
k
kumar
2 months ago
One of the worst websites ever I come…
One of the worst websites ever I come across, I don't find any history/track for my previous requests. All of a sudden I receive a mail saying the loan got denied by the lender that I never requested, this site is super confusing, at least for a new bee like me.
H
harvey
3 months ago
Nr Mitchell was great!!
The experience with Mr Mitchell was great. He gave me three quote and I chose the one that best suited me. Thanks
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william bell
3 months ago
It was a living nightmare till that…
It was a living nightmare till that lady (sorry bad with names ) went out of her way to help us .. Shes a rock star... Help us get rid of ussa that was literally holding my father hostage because he couldn't remember a phone number.. We'll have a good Christmas this year . Thank you
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gerald costa
4 months ago
When I saw the rates being offered and…
When I saw the rates being offered and amount I laughed and though that this outfit is a scam. My credit score is in the 820s and have never been late on a payment. I was offered a 15% loan for $5,000 or so when I asked for $100,000. I could not believe this scam. I have a credit card that has a better rate than that (8.7%). I felt they must have me confused with someone else. However, I suggest you use a credit union if you are looking for smaller loans as I know rates are much better. A FACT! Apparently, this was not enough insulting information on myself but thought that consumers should not waste there time. I asked for one (1) loan, for $100,000. My credit score as of today was in the 830s. I have not been late on a payment, and have used my credit wisely through the years. Now, instead of one (1) loan I received a bunch of little loans at very high interest rates they were in double digits. I cannot say if the highest was 17%, but that does come to mind. The loans offered were $4,000 - $5,000 - etc.
L
leo harvey
4 months ago
Elegant buying
The process was simple and elegant giving me the choices I wanted and the ability to buy with the least amount of hassle.
T
tracy talkington
4 months ago
Able to compare many lenders and ended…
Able to compare many lenders and ended up with a better rate.
K
kayla floyd
4 months ago
Everything was seamless
Everything was seamless
R
rahul jadhav
4 months ago
Smooth and fast service
Smooth and fast service
J
juan
5 months ago
Everything was easy and great price $$
Everything was easy and great price $$
T
tori s
5 months ago
I love that Credible gave me multiple…
I love that Credible gave me multiple lenders and loan options to refinance my loans. I struggled with the first company so it was nice to have a secondary option and plan.
M
maribel b
5 months ago
Simple, Quick and great Rates!
I was thankful that I was able to get multiple interest rates all in one place. The process was incredibly smooth and helpful.
M
mada engel
5 months ago
The site was easy to navigate and…
The site was easy to navigate and self-explanatory. I uploaded the documents requested and within 24 hours, I received an email that I was approved. I didn't have to talk to anyone, it was all done via the web and via email. The most amazing loan experience I have ever had!
D
darren
5 months ago
Saving Money
The process of getting a quote for our condo in LV was painless! Doing it on-line may have taken a little longer, but it was rewarding to have saved $229? I cannot thank you enough for not only taking me on as a client, but also for saving us a little in the pocket book.
A
aida miucin
5 months ago
Very user friendly and efficient.
Very user friendly and efficient.
A
austin wheat
5 months ago
Good experience
Good rate, smooth experience with Elfi. Thank you
N
nicole
5 months ago
I received reliable information and it…
I received reliable information and it was helpful. I made an informed decision that I’m happy with.
F
faustino m
5 months ago
The whole process was easy and fast
The whole process was easy and fast. Everything was done online which was very convenient.
s
sarah
5 months ago
Easy to use
Easy to use, had the loan sent to my school within in days.
S
shahid & hilary khan
5 months ago
Authenticity
The process was super easy and straightforward. We refinnced my wife's student loans probably in 30 minutes or less. We chopped the interest rate in half and reduced the life of the loan by 10 years.
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james rice
5 months ago
If you're looking for a great company to finance, this is the place
I've have a great time experience, I applied for a loan today and if I'm waiting on results because Im ready to restart my life and be better. The service is well recommended and I loved it
C
ciara
5 months ago
I am so grateful for credible for…
I am so grateful for credible for helping me to refinance my private student loans. My only regret is not doing it sooner!
R
ronald
5 months ago
Friendly customer service got a better…
Friendly customer service got a better policy with them at the same price than my old company which kept raising rates but not benefits.
A
ari d
5 months ago
All the options and all the rates are real!
Since interest rate have been going up, my private student loans interest were increasing every month. I started searching for companies to refinance with, one gave me an interest rate in the 20%, my current company wouldn’t even refinance my loans and lower my rate. I came across Credible and found that they pool rates from several companies with different rates, fixed or variable, different term rates, monthly payments etc. Credible gave me so many options to choose from. This is what I had been searching for. I found a fixed rate that would work for my budget for the duration of time that worked best for me. I chose my loan, applied and in a couple of days I was approved! This was the easiest process I’ve ever encountered.
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thomas eberly
5 months ago
Good Job
Credible was helpful in finding us the correct re-finance opportunity
C
christina van voorhis
5 months ago
I found the process to be very efficient
I found the process to be very efficient and would highly recommend Credible to friends and family.
M
michael
5 months ago
No pressure conversation...
The process was very easy. Michael the insurance representative was very informative about the product and the options available. There was no pressure for me to buy the insurance and he was very accommodating in answering questions.
K
kenneth
5 months ago
This transaction saved me hundred's of…
This transaction saved me hundred's of dollars off of my escrow account.
J
james barbarito
5 months ago
Return customer
We received multiple loan options and were able to compare rates and length of repayment. Communication was easy and responses were quick. This was our second time using Credible and we were very satisfied.
L
lavern
5 months ago
Best Rates
Credible has the best rates out of all the places i checked out,keep up the good work
A
autumn morrison
5 months ago
I had 5 private student loans totalling…
I had 5 private student loans totalling just over 100K. The interest rates were all 9.5-11% Credible found me a lender that consolidated all my loans into one at a rate half what I was paying. It was simple and easy to use the website and the whole process took less than a month to complete.
M
matri hendrickson
5 months ago
Great experience getting a loan
I was surprised at how easy the process was and it was the best experience I have ever had in getting a private school loan.
K
kathy fortier
5 months ago
Complete application process
Complete application process. Kept informed with each step.
S
shakira williams
6 months ago
Used credible to FINALLY refinance my…
Used credible to FINALLY refinance my loans. Credible is the only site that matched me. I saved almost 6 interest points!!!! I ended up going with MEFA. Now their process was a bit tiring and long. But I was finally approved!
M
madison
6 months ago
Spencer Phillips was awesome
Spencer Phillips is the best! He made the process super easy & was very communicative.
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lismarie salgado
6 months ago
Excelente servicio
Excelente servicio
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caroline ponko
6 months ago
Staff very helpful patient and moved…
Staff very helpful patient and moved the process along efficiently.
J
jane m
6 months ago
Im SO glad I used Credible for my home…
Im SO glad I used Credible for my home insurance. It took the guesswork out of purchasing a plan and my agent, Michael, was AMAZING. He even gave me a list of questions to ask my home inspector and researched my home ahead of time to help me fill out the estimate questionnaires. He also got in contact with my lender to make sure they had everything they needed as well. Could not have asked for a more thorough, smooth, and pleasant experience!
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lisa
6 months ago
Excellent service!
Excellent service!
C
cynthia payne
6 months ago
It was extremely helpful and easy to…
It was extremely helpful and easy to navigate.
S
super8290
6 months ago
They submitted apps without my consent...
This is a bizarre experience with Credible. I clicked on an ad that said consolidate your loans rates starting at 4.9%. The way it seems is that your credit report is not affected and you select the loan options that they match you with. WRONG! I go to the last page of the process and there was only one company and the rate started at 11%. I have perfect credit with a very high 800's credit score and 5% debt to income ratio. Why would it start at 11%. I decided NOT to choose one of the options. TELL ME WHY: I am receiving letter after letter from credit unions and goldman sachs saying that I filled out an application and they could not process or approve my application for reason ____. AND tell me why they have different names like my dad's name? and my address saying that I filled out an application with Credible... THAT IS SO BIZARRE!! There website says they don't sell our information... and you select the loan option that they match you with BUT now somehow all these companies are saying THANKS FOR SUBMITTING YOUR APPLICATION through Credible. They literally call Credible out in my letter. That is some illegal or definitely questionable tactics going on with this company! I never selected an option. I never filled out a form with these companies. I simply submitted my info to see my rates. THAT WAS IT. So let's talk about the denial letters - 1. First - the three I have received - TWO are in the wrong name. LIKE how did yall get the names mixed up??? 2. Second - the denial letters are pre-templates that aren't true. The first one said - your credit score of 825 is too low.. hahahahaha the range was 300 to 850. So that's a lie. I hate this form of doing business with Credible who is working with 17 different companies - pretending NOT to do a credit pull (but check their reply - they are) and pretending not to sell the info (they are getting a kickback) that's another lie - and then, sending out template rejection letters that are bogus. STAY AWAY FROM THIS COMPANY!!!!
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daniel dirksen
6 months ago
The process took longer than I would…
The process took longer than I would have hoped
K
kara miller
6 months ago
This was a great resource!
This was a great resource!
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lloyd
6 months ago
From the start
From the start, everyone was helpful, communicative, and kept me updated. Everything was smooth and easy.
M
margie walker
6 months ago
Great
Great service with help for loan
N
nathan
6 months ago
I was shopping all around the Internet…
I was shopping all around the Internet for a new homeowners insurance policy after my current company almost doubled my premium, their reason was, "the price of rebuilding your home has gone up considerably this year and this will cover that rise in building materials. The company only increased my dwelling coverage by $20,000 and my premium doubles? I had already went through countless sites and companies then I ran across credible and they responded almost immediately with me quotes and at a price that was lower than what I'm paying through my current provider, and they got me a lot better coverage and perks on my policy than my current company could offer. Upon calling my agent he was very quick to answer the phone and very helpful. He answered all my questions and changed the things I needed to change very quickly. I would definitely recommend credible to anyone I can this site is great, fast, helpful, courteous, and above all they will get you the best rates possible.
M
matthew incardona
6 months ago
Great for Getting Student Loans
It's like Trivago, but with loans.
M
margaret driscoll
6 months ago
Great service
Great service. Process simple.
m
m
6 months ago
Very frustrating dealing with this…
Very frustrating dealing with this company. I had to repeatedly send the same documentation and the whole proces took over two months.
J
joseline herrera
6 months ago
Credible helped me connect with the…
Credible helped me connect with the most adequate people to obtain my student loan and little time. Now I’m off to achieving my dreams.
G
gary c
6 months ago
The Agent (Will C) was…
The Agent (Will Cullen) was knowledgeable, patient, helpful, courteous, responsive.... and got the job done promptly. Five stars.
A
adrianna avila
6 months ago
Helped me find a loan right for me a and…
Helped me find a loan right for me and my needs.
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david gonzalez
6 months ago
Daughters first loan
Fast, simple, basic financial information, proof of income, employment. Had an answer in a few days. Simple e-signature. And Kids off to school.
E
eriston eloi
6 months ago
The experience was great until I had to…
The experience was great until I had to use the lender website to finalize the process. The lender website was far less attractive and friendly to use. I started getting messages from both Credible and the lender about providing documentation needed to complete the process. These messages were sent out at the wrong times.
T
thomas whitt
6 months ago
Quick and easy
Very easy to use and simple process
S
shanna
6 months ago
Dion Morant did an excellent job…
Dion Morant did an excellent job finding me the best rate with the coverage I requested. Going forward I will use Credible for searching for the best rate in all my insurance needs.
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george valentine
6 months ago
They were fast and very helpful
They were fast and very helpful
J
jama fraley
6 months ago
I thought that this was very easy to…
I thought that this was very easy to apply and purchase. I understand you are a risk insurance but I just think that $5000 deductible is a little overboard. That said I am very happy to have this insurance. thank you
J
jorge jose
6 months ago
Student loan
Application was a breeze and user friendly.
L
lysandra
7 months ago
Quick and Easy
After I completed the form about my home insurance needs. The quote was quick and the agent assigned to my request was very helpful.
V
verna frederiksen
7 months ago
Good Experience for the most part
Good Experience for the most part. Making a better show if the loans are penalized for early payoff woud have been appreciated.
R
ronald dibiasio
7 months ago
My experience was very good
My experience was very good . I liked being able to see to see all lenders at a glance. I also liked how quick the response was once I chose my lender.
K
keely green
7 months ago
Highly Recommend
I was able to compare rates and apply for the best option for our need.
A
andrew horwath
7 months ago
Said I was approved then denied
Said I was approved then after jumping through all the hoops then was told denied I feel they just wanted my personal information again and felt like it was a scam at times I have great credit and don't recommend anyone to apply with this outfit
M
mark
7 months ago
Ease in getting a good quote and buying…
Ease in getting a good quote and buying insurance
K
kristen milarski
7 months ago
The entire process was so easy!
The entire process was so easy! I always dread doing things like this but not after this one!
R
raja
7 months ago
IF I HAD KNOWN ABOUT THIS COMPANY I…
IF I HAD KNOWN ABOUT THIS COMPANY I WOULDN'T WASTE MY TIME CALLING ALL THESE INS COMPANIES, THEY WERE FAST AND PROFESSIONAL. I WASTED ALMOST A WEEK OF MY TIME TALKING TO ALL THESE INS AGENTS AND I GOT NOTHING, 30 MIN. DURING MY TIME ON THE COMPUTER AND I GOT THE BEST DEAL AND IT WAS DONE. THAT'S HOW FAST IT WAS. I LOVE IT THANK YOU GUYS
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jeffrey parker
7 months ago
Credible saved me a lot of time by…
Credible saved me a lot of time by giving me all my loan options in one place!
M
matthew ryan
7 months ago
Was a fairly simple process,
Was a fairly simple process,
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fernando cornejo
7 months ago
Highly Satisfied Customer
Outstanding overall customer service. Process was straightforward and efficient, yielding wonderful financial results. Thank you!