Credible View Rates

Suitable For?

Credible student loan refinancing may be suitable for borrowers who want to compare rates from multiple lenders and pay lower interest rates than on their current loans. Some borrowers with federally held loans may choose not to refinance in order to remain eligible for benefits applicable to federally held loans.

Loan Features

Credible offers loans with the following features:

• APR range: 4.40% - 13.92%
• Fixed-rate APR range: 4.40% - 11.99%*
• Variable-rate APR range: 4.49% - 13.92%* See Terms*
• Loans with minimum size of $7,500 and up, depending on lender and state

The Application Process

You can fill out an application on the Credible website in around two minutes. Credible shows you rates, without sharing your information directly with lenders or affecting your credit score. 

You can then choose the plan you want, and get actual rates based on your credit profile, not estimates.

After you provide additional details about yourself and your loan, you can get your final offer in as little as 1 business day.

Loan Eligibility Requirements

The main eligibility requirements for obtaining a loan from Credible are:

• Sufficient income to cover debts, including refinanced loans
• Minimum credit score between 670 and 700 for most lending partners

If you don’t meet Credible’s lending partners’ requirements, you may still qualify if you have a cosigner.

Repayment Terms

Fixed APR rate loans range from 4.40% - 11.99%* and up, depending on your credit score and other factors, with variable APR rate loans range from 4.49% - 13.92%* See Terms.

Credible offers loan terms from 5 to 20 years.

How Safe Is It?

Credible uses industry standard measures to protect your personal information:

• Encryption. Your data is encrypted at rest, and in transit using transport layer security (TLS) between your browser and Credible systems. Data is also encrypted internally within their infrastructure.
• HTTPS secure. Credible only uses HTTPS for transmitting requests, protecting your password. Your sensitive information such as social security numbers and login credentials are encrypted and unreadable to anyone except Credible.
• Process time. If your online session is inactive for a period of time, Credible autosaves your progress and logs out your session.

Help & Support

Help is available at:

• 1-(866)-540-6005 available 7 days per week
• Live chat on website
• Email support@credible.com

Summary

Credible is an online lending marketplace for student loan refinancing, student loans, and other financial products. You can see offers with real rates—not ranges—from up to 11 vetted lenders in real time. You can get help from the Credible Client Success Team throughout the process. By lowering your interest rate, you can save significant amounts of student loan interest over the lifetime of your loan and possibly even pay off your student loan debt sooner.

Physical Address

320 Blackwell Street Ste 200

Durham, NC 27701

Credible View Rates

*Read rates and terms on credible.com

Editorial Disclosure

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.