Discover the financial advantages of Credible

Whether it’s credit card debt piling up, a tuition bill due, or a home project you’ve been putting off — there’s a smarter way to borrow than settling for the first rate you’re offered.

If you’ve ever felt stuck comparing loan offers one by one, hoping you’re not missing a better deal somewhere else, you’re exactly who Credible was built for!

What Makes Credible Different

Real rates, not estimates. Credible shows you actual prequalified rates from top lenders, not generic numbers that may not apply to you.

If it’s not a real rate, it’s not Credible.

No impact to your credit score. Checking your rates on Credible uses a soft credit inquiry, which never affects your credit score.

You only get a hard credit check if you formally apply with a lender you choose.

Compare multiple lenders in minutes. Instead of filling out separate forms on different lender websites, one simple form on Credible shows you rates from top lenders like SoFi, Citizens, Upgrade, Upstart, Sallie Mae, and more.

100% free, always. Comparing rates on Credible doesn’t cost you anything, no matter which loan product you’re exploring.

Built to protect your privacy. Credible limits the personal data it collects and only shares it with lenders when you give permission, no unwanted marketing, no pushy sales calls.

Backed by real trust. Credible holds an “Excellent” rating from over 9,800 reviews on Trustpilot, and last year alone helped customers fund over $1 billion in personal loans and refinance over $700 million in student loans.

All the Loan Options Available Through Credible

Credible isn’t a lender, but a marketplace that connects you with the right lender for your specific need. Here’s every loan type available, and who each one tends to be the best fit for:

1. Personal Loans: Anyone consolidating credit card debt, funding a home improvement project, covering an emergency expense, or financing a major purchase;
2. Student Loan Refinance: Graduates with private, federal, or Parent PLUS loans looking to lower their interest rate or reduce their monthly payment;
3. Private Student Loans: Current students who need to cover up to 100% of school-certified costs after financial aid, including graduate, medical, and law school;
4. Home Purchase (Mortgage): First-time or repeat homebuyers who want to compare multiple mortgage lenders before committing to one;
5. Home Refinance: Homeowners looking to lower their mortgage rate, change their loan term, or access better terms than their current loan;
6. Home Equity (HELOC): Homeowners who want to borrow against the equity they’ve built, for renovations, debt consolidation, or major expenses;
7. Auto Loans: Buyers financing a new or used vehicle who want to compare rates before heading to the dealership;
8. Auto Refinance: Current car owners looking to lower their monthly payment or interest rate on an existing auto loan.

Frequently Asked Questions

What is Credible?

Credible is a marketplace that lets you compare financial products from multiple providers side-by-side.

Credible is not a lender, a bank, or a credit card issuer — it partners with top financial service providers to give you a variety of competitive options, all in one place, for free.

Will comparing rates hurt my credit score?

No. Credible performs a soft credit inquiry to show your personalized prequalified rates, which never affects your credit score.

A hard credit inquiry only happens if you choose to move forward and formally apply with a specific lender.

How is Credible different from other comparison sites?

Many comparison sites only show generic information that isn’t specific to you.

Credible’s streamlined form shows real, personalized prequalified rates based on your actual credit profile — and lets you compare several lenders at once, instead of checking one at a time.

How does Credible make money?

Credible receives compensation from lenders only if you complete the loan process and your loan is funded.

This compensation doesn’t affect how or where lenders appear in your results, and Credible never charges you any fees.

How long does the process take?

Most people can fill out Credible’s prequalification form and see personalized rates in just a couple of minutes.

Ready to See Your Rate?

Now that you know how Credible works and which loan option might fit your situation, it’s time to see real numbers for yourself, with no impact to your credit score.