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Credible Review

Find a customized quote easily

Reviews 5,099

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Sally Herigstad
Sally Herigstad
May. 03, 20214 min read

Credible summary

Credible is an online student loan refinancing marketplace. You can use Credible to fill out a quick, simple form and see rates from top lenders in minutes, without sending your information directly to lenders or affecting your credit score. If you like a rate, you can apply and get your final offer in as little as one business day.

Pros

  • Fast, easy online application
  • Compare rates from multiple lending partners
  • Customer support available 7 days a week
  • Finance almost any degree

Cons

  • Available only in 46 states and the District of Columbia
  • Strict credit score requirements
Credibleat a glance
4.8

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

4.0

Repayment flexibility

Offers flexible repayment plans & the option for special repayment programs

5.0

Loan Types Covered

Covers all student loan types

5.0

Eligibility

Loans available to all credit types, income levels, and loan types

5.0

Credible 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: 1.86%-8.73%
  • Fixed-rate APR: 2.43% (with autopay)*
  • Variable-rate APR: 1.86% (with autopay)* 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 start at 2.43% (with autopay)* and up, depending on your credit score and other factors, with variable APR rate loans starting as low as 1.86% (with autopay)* 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 13 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 Credible View Rates

*Read rates and terms on credible.com

Sally Herigstad
Written bySally Herigstad

Sally has been writing about personal finance since 1998 and is the author of “Help! I Can’t Pay My Bills” (St. Martin’s Griffin). She is a licensed real estate broker in Washington state and a retired certified public accountant. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Credible
Credible
ExcellentReviews 5,099
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Trustpilot reviews

See what some costumers are saying about Credible
Credible
ExcellentReviews 5,099
on
Excellent
86%
Great
9%
Average
2%
Poor
1%
Bad
2%
  • author
    Chuck B
    12 hours ago
    Set is up with a great match and better…

    Set is up with a great match and better deal. Super easy. Customer service was extremely helpful and remedied are random issues!

    ...

  • author
    Anna Herrera
    a day ago
    Credible is a great option

    The website was helpful and Easy to use. Thanks for helping me find a great way to refinance my student loans

    ...

  • author
    roselyn
    May 11, 2022
    Great work

    Will recommend Credible they will help find the best loan that suit your needs. Thanks for helping me.

    ...

  • author
    Mohamed Gismala
    May 10, 2022
    Excellent service

    Excellent service

    ...

  • author
    John Timmerman
    May 10, 2022
    Great

    Tis was really great. Thank You

    ...

  • author
    Patrick Kearney
    May 10, 2022
    Fairly easy process to get a loan

    Fairly easy process to get a loan. Had some problems getting signatures back to them. (They said they couldn't read on of the dates. Could have been communicated better. )

    ...

  • author
    ES
    May 10, 2022
    Lowered parent loan rate

    Finding a better rate for my parent loan was quick and easy, and my payments are now lower.

    ...

  • author
    David Colon
    May 10, 2022
    They help me get a loan to consolidate…

    They help me get a loan to consolidate my debt

    ...

  • author
    Rich
    May 09, 2022
    Got a good rate and wrapped up the loan…

    Got a good rate and wrapped up the loan in 3 days!

    ...

  • author
    Mitch DeGregorio
    May 08, 2022
    It was a very quick and simple process

    It was a very quick and simple process. My Daughter got the money she needs for college. It was a bit too quick and easy I think. Seems like we skipped steps that I would expect in a loan process. Maybe it’s because I was only a co-signer. Would have also been nice to have received a summary with all the details of the loan in a summary document.

    ...

  • author
    ZK
    May 06, 2022
    Student Loans

    Found the best rate for refinancing my student loans. Process was quick and organized.

    ...

  • author
    Unhappy customer
    May 04, 2022
    Great Job

    Great job helping me refinance one of my student loans.

    ...

  • author
    J.A.
    May 04, 2022
    Applied with co-buyer process was…

    Applied with co-buyer process was timely and very easy.

    ...

  • author
    Ted
    May 03, 2022
    Streamlined, simplified and expedited an otherwise very clunky process

    You managed to streamline and simplify this otherwise clunky process as much as possible with results about as quickly as could be expected.

    ...

  • author
    Ademola Omotayo
    May 03, 2022
    Thank you for helping refinance my…

    Thank you for helping refinance my student loans. Process was efficient and seamless.

    ...

  • author
    Laura Fante
    May 02, 2022
    Excellent and quick customer service.

    Quick and Easy Process!

    ...

  • author
    Justin M
    May 02, 2022
    This is the second time we have used…

    This is the second time we have used credible and we love how easy the process has always been. We recommended it to our friends!

    ...

  • author
    BK
    Apr 30, 2022
    Completely satisfied with my children's…

    Completely satisfied with my children's student loan consolidation. Everything went smoothly and am looking forward to the savings on my new lower interest rate. Moehla was charging me 7 plus on interest. Not anymore! Thank you!

    ...

  • author
    savannah G
    Apr 29, 2022
    I want to give 5stars because my friend…

    I want to give 5stars because my friend had a good experience and even got a bonus do to size of her loan. The search for loans was super easy to review and sort and once i got started the process didn't take but 2 weeks to finalize. I have a low rate at new bank, but unfortunately the referral bonus for me and my friend did not go through... I guess it can take some time 30 days, but I am at that point and neither of us have info about it or if it will happen on a 60K loan transferred.

    ...

  • author
    Kaoru Dahl
    Apr 25, 2022
    Highly suggest it to others.

    Everyone was really helpful, and the transaction was quite simple. An easy procedure approval and money came quickly. Highly suggest it to others.

    ...

  • author
    Robert Gervasoni
    Apr 23, 2022
    Ease of application and response was…

    Ease of application and response was handled professionally.

    ...

  • author
    Monica
    Apr 22, 2022
    Very happy with Credible

    Very happy with Credible. It helped me find the best rate!

    ...

  • author
    Paula J Walton
    Apr 22, 2022
    Credible was AMAZING!

    Credible was very quick to give me multiple quotes for my inquired loan. These quotes were good for several weeks which allowed me time to review and calculate each quote and determine which loan offer was the best savings over a time period. Once I chose the best offer suited for my needs, the application process through the financial institution was very simple and painless. If I ever need another loan, I will definitely return to Credible and use their services. Thank you, Credible for all your help.

    ...

  • author
    Louise Schaetzle
    Apr 21, 2022
    Communication during application…

    Communication during application process was very difficult if not impossible.

    ...

  • author
    Sandra
    Apr 21, 2022
    Great experience

    Great experience, it was fast and easy.

    ...

  • author
    Rebecca Jones
    Apr 20, 2022
    Quick and easy way to find refinancing…

    Quick and easy way to find refinancing deals for college loans.

    ...

  • author
    Susan Trifiletti
    Apr 20, 2022
    Easy to use

    One stop shopping which saved me time and effort looking for the best rates. It was easy to use and quick.

    ...

  • author
    Jeramy White
    Apr 20, 2022
    Don't count on using the same email address

    If you've EVER had a loan with Upstart, you cannot request a new loan using the same email address. Having the ability to do this would make it much more likely that I would use Upstart in the future.

    ...

  • author
    Katherine Hamburger
    Apr 19, 2022
    Everything was great we were given lots…

    Everything was great we were given lots of choices and were able to find a plan to fit our needs.

    ...

  • author
    David Wangerien
    Apr 18, 2022
    Super fast loan approval with a great…

    Super fast loan approval with a great rate!

    ...

  • author
    Erin Young
    Apr 18, 2022
    AlaWays understanding axxcx cuff

    AlaWays understanding axxcx cuff

    ...

  • author
    Jennifer Chisholm
    Apr 18, 2022
    This service was super fast and easy to…

    This service was super fast and easy to use. It helped me find a great rate for my student loan refinancing. I would definitely recommend it to anyone looking to refinance!

    ...

  • author
    Jessica S.
    Apr 17, 2022
    Fantastic tool

    Great customer experience and very user friendly. Credible helped me compare rates and pick the best option for my situation. The refinance worked out great and they even sent me a gift card reward after the refinance completed.

    ...

  • author
    Thomas Casadonte
    Apr 17, 2022
    Helped find a good rate for me but get…

    Helped find a good rate for me but get ready to be bombed by ads and spam.

    ...

  • author
    Zacchary TenHuisen
    Apr 16, 2022
    Easy Refinance

    Credible made it easy to compare loans and find a good rate.

    ...

  • author
    Ash
    Apr 14, 2022
    Everyone was very helpful when I called…

    Everyone was very helpful when I called and explained everything very well.

    ...

  • author
    Beatriz Cruz
    Apr 12, 2022
    Trying to see which loan would be best…

    Trying to see which loan would be best for a private institution that provides aviation classes that is not a college. Not everyone is helping with loans since its not a college.

    ...

  • author
    Kristin Turner
    Apr 12, 2022
    Easy and efficient to use

    Easy and efficient to use. In my opinion showed the widest variety of loans to choose from allowing me to find the best one for me.

    ...

  • author
    Erik Hagstrom
    Apr 11, 2022
    Credible found me the most competitive…

    Credible found me the most competitive student loan refi rates in just seconds. The second refi I've done via Credible. Painless

    ...

  • author
    Bruce Hettinger
    Apr 11, 2022
    Easy to use and results in minutes.

    Easy to use and results in minutes.

    ...

  • author
    Scott E
    Apr 10, 2022
    Best experience for refinancing student…

    Best experience for refinancing student loans no hidden fees right up front with everything. I recommend Credible!

    ...

  • author
    Ann Padron
    Apr 10, 2022
    I was very satisfied with credible’s…

    I was very satisfied with credible’s prompt response to my financial needs! I couldn’t ask for anything more!

    ...

  • author
    Brandon Duprel
    Apr 08, 2022
    Overall very easy and user friendly

    Overall very easy and user friendly. I did have to completely start over my application and was never given a reason as to why the original one was thrown out. But wasn’t bad at all otherwise

    ...

  • author
    Jonathan Fuller
    Apr 07, 2022
    Interface made it very easy to review…

    Interface made it very easy to review lenders and submit documents

    ...

  • author
    Micheal Lee
    Apr 07, 2022
    Not used it yet but am hoping it works…

    Not used it yet but am hoping it works so I change it

    ...

  • author
    Jan Adelman
    Apr 06, 2022
    Very helpful in finding a lender for…

    Very helpful in finding a lender for refinancing my daughter's student loans at a MUCH lower interest rate.

    ...

  • author
    Arnold, Mo
    Apr 06, 2022
    Quick, easy process.

    Quick process. Good communication. Easy to consolidate my school loans. I would recommend Credible.

    ...

  • author
    Emily Shaw
    Apr 06, 2022
    The Credible Team was efficient and…

    The Credible Team was efficient and very helpful.

    ...

  • author
    David Symm
    Apr 06, 2022
    Loan fell thru

    Had an experience about a year back with credible they did a good job connecting me with a lender. However, after a lot of work uploading info, we weren't approved for the loan (student loans re-fi) after all . That was a disappointment.

    ...

  • author
    THANIKA INTANU
    Apr 04, 2022
    THANIKA INTANU

    THANIKA INTANU

    ...

  • author
    Jean Pierre
    Apr 04, 2022
    They are very helpful and the have…

    They are very helpful and the have courtesy They are responsible

    ...

  • author
    Sarah B.
    Apr 04, 2022
    Easy and reputable

    They made the process of searching for the best refinancing offer for my student loan fast and thorough. Lots of helpful information on making the best decision.

    ...

  • author
    Kelly McCoy Whittington
    Apr 03, 2022
    Very simple process and my loan was…

    Very simple process and my loan was done and funded within 2 weeks. Uploading documents was easy and I now have a substantial savings on interest.

    ...

  • author
    customer
    Apr 03, 2022
    Found a good rate and the refinance…

    Found a good rate and the refinance process was easy.

    ...

  • author
    Scott Taylor
    Apr 02, 2022
    I had a lot of skin contact issues with…

    I had a lot of skin contact issues with the strips and the battery was shot on the monitor, I could not get through a day at work without it running down.

    ...

  • author
    Kaitlyn
    Apr 01, 2022
    Was a smooth process

    Was a smooth process. I got my student loan!!

    ...

  • author
    Alyssa Bellamy
    Mar 31, 2022
    Easy to use and understand!

    Easy to use and understand!

    ...

  • author
    Molly Mccarthy
    Mar 31, 2022
    thank you very much

    thank you very much. you were patient with me during this process. very stressful time but you were great throughout each correspondence. Molly

    ...

  • author
    Rick
    Mar 29, 2022
    I have a perfect credit rating.832…

    I have a perfect credit rating.832 three bureaus.i have no bad marks and everything is upto date. I applied for personal loan maybe around 100k they came back with 10k at the worst APR Pposible 34.9999% how does this happen to someone with perfect credit. Their computer Is flawed.

    ...

  • author
    Shawn
    Mar 30, 2022
    Update - Issue resolved

    This site offered unacceptable rates and high origination fees inconsistent with my overall credit history. I submitted a claim under the "Best Rate Guarantee" but it was rejected because of a misunderstanding about the deadline. I offered an explanation and requested an exception to process the guarantee but it was denied. I would not do business with this site or recommend them to others. UPDATE 3/29/2022: The management team from Credible reached out to me and offered to honor the Best Rate Guarantee. I appreciate them contacting me to stand behind their guarantee.

    ...

  • author
    Stephen Stratico
    Mar 28, 2022
    The online process was a bit confusing…

    The online process was a bit confusing and could be more intuitive. Otherwise I’m happy with the results of my refinance.

    ...

  • author
    Patsy VanDyke
    Mar 28, 2022
    Easy to use platform with great…

    Easy to use platform with great selections. I found a great rate and am satisfied with Credible as a resource for financial consolidation.

    ...

  • author
    William Shay
    Mar 28, 2022
    Had terrible time fixing problematic…

    Had terrible time fixing problematic records, where apparently my daughter selected the wrong school and took several extra weeks to correct record (many phone calls with different agents on Credible and MEFA ends to make sure right school received loan funds). Recognize mutual responsibility, and ideally would be a more efficient pathway to resolving such matters (I still have early/legacy documents with wrong institution noted, and am told no way or need to change - makes me nervous since are legal documents of record).

    ...

  • author
    P Zemaitis
    Mar 28, 2022
    Credible was great

    Credible was great. Everything was easy to understand, everyone was very responsive to all of our questions and we were provided great options.

    ...

  • author
    Pacific NW Rob
    Mar 27, 2022
    Loan consolidation a breeze

    My daughter consolidated several high interest student loans successfully. Super easy process and finished in less than 2 weeks.

    ...

  • author
    P PATEL
    Mar 26, 2022
    Great system for finding great reliable…

    Great system for finding great reliable rates. Best of all the rates were the same throughout the process (no bait and switch). However the lack of follow up after selecting a lender was very disorienting. The lender communications and credible communications were often contradictory

    ...

  • author
    Oliver Olson
    Mar 26, 2022
    Great rates!

    Great rates!

    ...

  • author
    M.Slaughter
    Mar 26, 2022
    Credible Loans connected me to several…

    Credible Loans connected me to several lenders and options, quick and easy! Thanks

    ...

  • author
    Mikey c
    Mar 26, 2022
    Easy to use and quick results

    Credible was an easy service to use which gave a variety of options for refinancing our student loans!

    ...

  • author
    SATHYA KRISHNAMOORTHY
    Mar 26, 2022
    Great and easy process.

    Great and easy process.

    ...

  • author
    Jason Kennedy
    Mar 25, 2022
    Cut my interest rate by 57%

    Credible connected me with a lender which helped me refi a student loan and cut my interest rate by more than half. I was understandably pleased.

    ...

  • author
    Marines Hoppes
    Mar 22, 2022
    Credible was so simple to use

    Credible was so simple to use. The experience was great all around. Have already recommended to others.

    ...

  • author
    Moni
    Mar 22, 2022
    I am happy with the service of choosing…

    I am happy with the service of choosing different rates with several loan providers at the same time. I was expecting the sign in bonus to be used easily but the card is hard to figure out for people who don’t know what is a tango card. Overall it’s a great service and I would recommend to others. Thank you.

    ...

  • author
    Craig Taylor
    Mar 21, 2022
    Very easy process

    Very easy process. If something was missing, they communicated exactly what was missing.

    ...

  • author
    Bella
    Mar 21, 2022
    would reccomend

    helpful for finding + getting prequalified for the best private student loan for my circumstances. Sucks that I need to do this to pay for college, but Credible made the process pretty straightforward.

    ...

  • author
    RP
    Mar 21, 2022
    Very easy to work with

    Very easy to work with- answered all emails right away. Highly suggest using credible

    ...

  • author
    Mid-Mod Design
    Mar 21, 2022
    disorganized info entry system cost me a higher rate

    Had to go through two loan apps as the first lender didn’t do parent plus loans which was a time and energy sink that didn’t have to happen. The waste of time caused me to lose out on the best interest rate as the rates increased between 1st and 2nd loan applications. So I’m sadly quite disappointed.

    ...

  • author
    Hilary M
    Mar 21, 2022
    Got me a great rate!

    Got me a great rate!

    ...

  • author
    Crystal
    Mar 20, 2022
    Easy process

    Easy process, made me wonder why I didnt do it sooner!

    ...

  • author
    Neeraj Sharma
    Mar 20, 2022
    Credible fake filed loan application

    I started a loan application via credible but decided not to complete it. Now lenders and sending me letters as if I applied for the loan. "Credible" aka Untrustworthy spammed me to finish the loan application and when I did not, they apparently applied for the loan on my behalf. This is a scam So many 5 star reviews are probably fake

    ...

  • author
    Blessed
    Mar 20, 2022
    Awesome service

    Awesome service

    ...

  • author
    LAWRENCE KOHN
    Mar 19, 2022
    Could not have been easier

    Could not have been easier! 10/10 recommend!

    ...

  • author
    kf
    Mar 18, 2022
    Excellent resources

    Excellent resources! The process could not have been easier... Credible matched us with a lender for my sons private student loan and gave us great options to choose from. Made a stressful situation so much easier than anticipated.

    ...

  • author
    Sam C
    Mar 18, 2022
    This website was extremely helpful

    This website was extremely helpful! I am so happy with how easy it was to refinance my student loans!

    ...

  • author
    Anna from Michigan
    Mar 18, 2022
    Credible was helpful in comparing rates

    Credible was helpful in comparing rates

    ...

  • author
    Maya
    Mar 18, 2022
    Reliable

    So easy to use! I was able to see multiple lenders with their interest rates and they showed me how much interest i would be paying in total. Highly recommend.

    ...

  • author
    Lauren Thomas
    Mar 16, 2022
    Very easy and helpful!

    Very easy and helpful!

    ...

  • author
    Elizabeth LUTZ
    Mar 16, 2022
    Completing online was fast and easy

    Completing online was fast and easy. I had a few questions and talked to staff on the phone, everyone was very nice and resourceful. I was able to refinance my student loan and feel so relieved.

    ...

  • author
    Alejandro
    Mar 15, 2022
    Cannot Recommend Enough

    I was having the hardest time refinancing my student loans, as I never finished college. Credible helped me find a lender that approved me for a rate almost half of what I am paying. I cannot recommend them enough.

    ...

  • author
    Chee Ly
    Mar 15, 2022
    Found the right loan...

    Was able to find the right rate and terms for a loan I need. I like how you can see many offers and select the one that works. Also, what you see is what you get, no hidden/additional fees.

    ...

  • author
    customer
    Mar 14, 2022
    Credible...something for everyone!

    My experience was delightful. It was quick, simple and everyone i encountered was pleasant, knowledgable and helpful. There were a variety of lenders available and programs to meet everyone's needs. I would highly recommend looking into this service

    ...

  • author
    Gregg Couch
    Mar 14, 2022
    This loan process was very easy

    This loan process was very easy and uneventful. Our loan advisor, Andrea Halverson, was fantastic. She took time to explain answers to our questions and always got back to us quickly. Will definitely refer friends and family to Credible.

    ...

  • author
    Daniel
    Mar 14, 2022
    Quick

    Quick, easy and efficient.

    ...

  • author
    Nick Misciascio
    Mar 14, 2022
    Big Tease

    Thanks for the high hopes dream of helping

    ...

  • author
    Anthony Mancini
    Mar 13, 2022
    The process was super simple

    The process was super simple. I was able to find competitive rates easily, determine which made the most sense for me, and apply quickly.

    ...

  • author
    John B
    Mar 13, 2022
    The whole process was simple and quick!

    The whole process was simple and quick!

    ...

  • author
    Pete
    Mar 10, 2022
    Great service and dedication to closing…

    Great service and dedication to closing quickly.

    ...

  • author
    Oscar Madrigal
    Mar 10, 2022
    The entire experience was great

    The entire experience was great. Process was simple and easy to follow. All questions and concerns were addressed promptly.

    ...

  • author
    Emily Stewart
    Mar 10, 2022
    A+++++

    A+++++++++++++++

    ...

  • author
    Mahesh tamang
    Mar 09, 2022
    Do you help me

    B8796EB8A4112759D8112C76753C6091B4CADF0F85BEBC739609B0FC05342105

    ...

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