Credible Review

BySally HerigstadFeb. 11, 2021

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In a Nutshell

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.


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


  • Available only in 46 states and the District of Columbia
  • Strict credit score requirements

Credible at a Glance

APRVariable rate from 2.39% (with autopay)*
Fixed rate from 2.55% (with autopay)*
Loan typesFixed and variable rate loans
Refinance amount$7,500+, depending on lender
Repayment terms5 to 20 years
Minimum credit scoreDepends on lender
Suitable forBorrowers with higher rates who want to compare rates from multiple lenders

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:

  • Fixed-rate APRs from 2.55% (with autopay)*
  • Variable-rate APRs from 2.39% (with autopay)*
  • 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 rate loans start at 2.55% (with autopay)* and up, depending on your credit score and other factors, with variable rate loans starting as low as 2.39% (with autopay)*.

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


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 ten 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 customer testimonials

ExcellentReviews 4,528
TrustPilot is the world’s most powerful review platform, free and open to all.
  • author
    16 hours ago
    They were helpful during a very…

    They were helpful during a very stressful time. Professional and efficient. Highly recommend!


  • author
    Kimberly Hillyard
    Apr 14, 2021
    The process to refinance and…

    The process to refinance and consolidate my private student loans was easy to do. I greatly appreciate how easy it was and how credible kept me informed on the next steps.


  • author
    Maria DeLuccia
    Apr 13, 2021
    Easy to Navigate

    Credible was great but, having to enter my personal information to see which companies would be available, and then having to fill each one out. It would be easier to be connected to the lowest rate company and I would decide if I wanted to go with that company. I felt is was too many times I had to give my information out. Although it did help me find a loan company which is good.


  • author
    Apr 12, 2021
    Process was so incredibly easy and…

    Process was so incredibly easy and fast. I’m so glad I finally did this.


  • author
    Christine Boyer
    Apr 12, 2021
    Easy, great results of available terms

    Easy, prompt, and led me to the source I used for consolidation. Much more efficient than comparing various sites separately.