Credible Personal Loans Review 2024

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Enter $2,000 - $100,000

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Are you ready to find a personal loan for your needs? We've partnered with Credible to help you find your rate. Checking your score is free and won't impact your credit!

What is Credible? is an online marketplace that connects borrowers with lenders, offering a range of loan options. It serves as a loan aggregator, providing borrowers with a streamlined platform to compare and access loans from multiple reputable lenders. specializes in various types of loans, including personal loans, student loan refinancing, mortgage refinancing, and credit cards.

By partnering with well-known and trusted lenders, such as Best Egg, Avant, SoFi, and Discover, aims to provide borrowers with a diverse selection of loan options to suit their specific needs.

How does work? allows you to compare personal loans from multiple lenders. You can fill out a single form on the Credible website, and you will be matched with lenders that offer personal loans that meet your needs. Credible does not charge any fees to use their service, and they are a legitimate company.

Here is how works:

  1. Create an account and fill out a short form. You will need to provide some basic information about yourself, such as your name, email address, and income.
  2. Receive prequalified offers from lenders. Credible will use your information to match you with lenders that offer personal loans that meet your needs. You will receive prequalified offers from multiple lenders, and you can compare the offers to find the best one for you.
  3. Choose a lender and apply for a loan. Once you have found a lender that you want to work with, you can apply for a loan. The lender will perform a credit check, and they will approve or deny your loan application.
  4. Receive your loan funds. If your loan is approved, the lender will send you the funds. You can then use the funds for whatever purpose you need. (At a glance)


Varies depending on borrower

Loan term:

12 to 84 months

Loan amounts:

$600 to $100,000

Hidden fees:


Minimum credit score required


Extra perks:

Best Rate Guarantee

Fund availability

Varies; in most cases funds will be deposited in your bank account 24 hours after approval

Compare best personal loans from Credible

What are the different types of personal loans offered by offers a variety of personal loans, including:

  • Fixed-rate loans: These loans have a fixed interest rate, which means that your monthly payments will stay the same over the life of the loan.
  • Variable-rate loans: These loans have an interest rate that can change over time. This means that your monthly payments could go up or down, depending on market conditions.
  • Secured loans: These loans are backed by collateral, such as a car or a home. This means that if you default on the loan, the lender can take the collateral.
  • Unsecured loans: These loans are not backed by collateral. This means that if you default on the loan, the lender has no recourse but to sue you.

The type of personal loan that is right for you will depend on your individual circumstances. If you are looking for a predictable monthly payment, then a fixed-rate loan might be a good option for you. If you are willing to take on some risk in exchange for the possibility of a lower interest rate, then a variable-rate loan might be a good option for you. also offers a variety of loan terms, from 36 months to 84 months. This gives you the flexibility to choose a loan term that fits your budget and your needs.

What can a personal loan be used for?

You can use a personal loan for a variety of need. Below are some examples:

  • Debt consolidation: Combining multiple high-interest debts into a single loan to simplify payments and potentially reduce interest rates.
  • Home improvements or repairs: Financing renovations, upgrades, or necessary repairs for your home.
  • Major purchases: Funding large purchases such as appliances, electronics, furniture, or a vehicle.
  • Education expenses: Covering tuition fees, textbooks, or other education-related costs.
  • Medical expenses: Paying for medical procedures, treatments, or unexpected medical bills.
  • Wedding expenses: Financing wedding ceremonies, receptions, or related costs.
  • Travel and vacations: Funding travel expenses, accommodations, or vacation plans.
  • Moving or relocation: Covering expenses associated with moving to a new residence.
  • Emergency situations: Dealing with unforeseen circumstances like car repairs, home repairs, or medical emergencies. pros and cons


  • Loan Comparison: serves as a loan aggregator, allowing borrowers to compare offers from multiple lenders in one place. This saves time and effort by streamlining the loan search process.
  • Wide Range of Loan Options: offers a variety of loan options, including personal loans, student loan refinancing, mortgage refinancing, and credit cards. This provides borrowers with flexibility and the ability to find the loan that best suits their needs.
  • Partnered with Reputable Lenders: collaborates with well-known and reputable lenders, which can provide borrowers with peace of mind and confidence in the loan options presented.
  • Best Rate Guarantee: For student loan refinancing, offers a Best Rate Guarantee. If borrowers find a better loan option elsewhere, will not only match it but also provide a cash bonus, ensuring borrowers get the best deal possible.


  • Limited Loan Amounts: While offers loans ranging from $600 to $100,000, some borrowers may require higher loan amounts that are not available through their platform.
  • Eligibility Criteria: Each lender partnered with may have its own eligibility requirements, which could potentially limit the pool of borrowers who qualify for certain loan options.
  • Possible Fees: itself does not charge any fees for its services, but borrowers should be aware that individual lenders may impose origination fees or other charges associated with their loans. It's important to carefully review the terms and fees of any loan before proceeding.
  • Information Sharing: As an online loan aggregator, collects personal and financial information from borrowers. While they have privacy and security measures in place, some individuals may have concerns about the sharing of their data.

Overall, is a good option for borrowers who are looking for a personal loan. The platform is easy to use, free to use, and partners with a wide variety of lenders. However, it is important to note that not all lenders are available on and not all loans are available in all states.

Who should use

Here are some groups of people who may find value in using

  1. Borrowers looking for loan options: Individuals in need of personal loans, student loan refinancing, mortgage refinancing, or credit cards can utilize to explore and compare offers from different lenders. It allows borrowers to efficiently evaluate multiple loan options and find the best fit for their financial needs.
  2. Those seeking competitive rates:'s loan aggregator platform helps borrowers access competitive interest rates from reputable lenders. If you are looking to secure a loan with favorable terms and competitive rates, can assist in simplifying the rate comparison process.
  3. People seeking convenience:'s online marketplace provides a user-friendly platform that streamlines the loan search process. It eliminates the need for borrowers to individually research and approach multiple lenders, saving time and effort by consolidating loan options in one place.
  4. Individuals interested in transparency: aims to provide transparency to borrowers by clearly presenting loan terms, rates, fees, and eligibility criteria. This can be valuable for those who prioritize having a clear understanding of loan details before making a decision.
  5. Borrowers looking for reputable lenders: partners with well-known and reputable lenders, such as Best Egg, Avant, SoFi, and Discover. If you prefer working with established lenders, can connect you with options from trusted financial institutions.

Do I need a credit check to take out a loan with

Yes, in most cases, you will need to undergo a credit check when taking out a loan with As a loan marketplace, connects borrowers with various lenders, and lenders typically assess the creditworthiness of borrowers before approving a loan application.

Credit checks are a standard practice in the lending industry, as they help lenders evaluate the risk associated with lending money to an individual. The credit check provides lenders with information about your credit history, including your credit score, payment history, and outstanding debts. This information helps lenders determine whether you are likely to repay the loan on time based on your past financial behavior.

What are the fees associated with personal loans through

There are no fees associated with using to compare personal loans. The lenders that Credible partners with may charge fees, such as origination fees or prepayment penalties. However, these fees are not charged by Credible.

Here is a breakdown of some of the fees that may be associated with personal loans through

  • Origination fees: Origination fees are charged by some lenders to cover the costs of processing your loan application. These fees can range from 1% to 8% of the loan amount.
  • Prepayment penalties: Prepayment penalties are charged by some lenders if you pay off your loan early. These penalties can be a percentage of the remaining loan balance, or they can be a flat fee.
  • Late payment fees: Late payment fees are charged by some lenders if you make a late payment on your loan. These fees can range from $25 to $35 per late payment.

It is important to read the terms and conditions of any personal loan before you apply, so that you understand the fees that may be associated with the loan. You can find this information on the lender's website or in the loan agreement.

Where does operate? operates in the United States. It is primarily focused on serving borrowers within the United States market.

However, please note that services and operations of companies may evolve over time. It's recommended to visit the official website or reach out to their customer support for the most up-to-date and accurate information regarding their current operational coverage.

How is’s customer service and support?

Credible's customer service is generally well-rated. In a review of Credible on Trustpilot, 80% of reviewers gave the company a 5-star rating. Customers have praised Credible's customer service for being helpful, responsive, and knowledgeable.

Credible offers customer service through phone, email, and live chat.

  • Phone support is available Monday through Friday from 8am to 8pm EST
  • Email support is available 24/7
  • Live chat is available Monday through Friday from 9am to 5pm EST

Credible TrustPilot

Here are some specific examples of positive customer service experiences with Credible:

"I had a question about my loan application and the customer service representative was very helpful and answered all of my questions. I would definitely recommend Credible to others."

"I had a problem with my loan and the customer service team was very helpful in resolving the issue. They were very responsive and kept me updated on the status of my issue."

"I was having trouble understanding some of the terms of my loan and the customer service representative was very patient and explained everything to me in a way that I could understand."

Of course, no customer service is perfect, and there have been some negative reviews of Credible's customer service. Some customers have complained that they had to wait a long time to get in touch with a customer service representative, or that they were not satisfied with the answers they received.

How to qualify for a loan through

To qualify for a personal loan through, you would typically need to meet certain criteria set by the lenders in their network. While the specific requirements may vary depending on the lender and the type of loan you are seeking, here are some common factors that lenders may consider when evaluating loan applications:

  1. Credit Score: Lenders often assess your creditworthiness by looking at your credit score. A higher credit score generally improves your chances of getting approved for a loan with favorable terms. However, works with lenders that cater to a range of credit profiles, so individuals with less-than-perfect credit may still find loan options.
  2. Income and Employment: Lenders typically require borrowers to have a stable source of income to ensure their ability to repay the loan. They may evaluate your employment history, income level, and job stability to assess your repayment capacity.
  3. Debt-to-Income Ratio: Lenders consider your debt-to-income ratio, which compares your monthly debt obligations to your monthly income. A lower debt-to-income ratio indicates a better ability to manage loan repayments.
  4. Citizenship and Residency: Lenders may require borrowers to be U.S. citizens or permanent residents. Some lenders may also have specific state restrictions or operate only in certain states.
  5. Age: You must typically be at least 18 years old to apply for a loan through

How to apply for a loan with

  1. Visit the website: Go to the official website using a web browser on your computer or mobile device.
  2. Select "Personal Loans": Navigate to the personal loans section on the website. You may find this option in the main menu or on the homepage.
  3. Provide loan details: Enter the loan amount you are seeking and select the purpose of the loan, such as debt consolidation, home improvement, or other options. Provide any additional information as prompted.
  4. Complete the application form: Fill out the application form with your personal and financial details, including your name, address, Social Security number, income, employment information, and any other information required by the lender. Ensure that the information provided is accurate and up to date.
  5. Choose from loan options: Once you have submitted the application, will present you with loan options from various lenders. Review the options carefully, considering factors such as interest rates, loan terms, and any associated fees.
  6. Select a loan offer: Evaluate the loan offers presented to you and choose the one that best fits your needs and financial situation. Click on the selected loan offer to proceed with the lender.
  7. Complete the lender's application: After selecting a loan offer, you will be redirected to the lender's website to complete their application process. Follow the instructions provided by the lender and provide any additional information or documentation they require.
  8. Finalize the loan: If your loan application is approved by the lender, carefully review the loan terms and conditions. If you agree to the terms, you may be required to electronically sign the loan agreement to finalize the borrowing process.

Is a legitimate company? is considered a legitimate and trustworthy platform in the lending industry. Here are some factors that contribute to its reputation:

  1. Established Presence: has been operating since 2012 and has gained recognition as a reputable loan marketplace. Over the years, it has facilitated connections between borrowers and lenders, helping individuals find loan options that suit their needs.
  2. Partnership with Reputable Lenders: collaborates with well-known and established lenders in the industry, including Best Egg, Avant, SoFi, and Discover. These partnerships indicate that has established relationships with trusted financial institutions.
  3. Positive User Reviews: has received generally positive feedback from users who have utilized their services. While individual experiences may vary, a significant number of borrowers have reported successful loan matches, competitive rates, and a smooth application process.
  4. Secure and Transparent Practices: prioritizes the privacy and security of user data. They employ robust security measures to protect personal and financial information during the loan application process. Additionally, aims to provide transparency by clearly presenting loan terms, rates, fees, and eligibility criteria.
  5. Better Business Bureau Accreditation: is accredited by the Better Business Bureau (BBB) and holds a rating of A+ from the BBB. This accreditation signifies that meets the BBB's standards for transparency, integrity, and customer service.

Our experience using

At, we were pleasantly surprised by the exceptional experience we had while applying for a personal loan. With the website's user-friendly interface, comparison shopping feature, efficient application process, prompt loan offers, and competitive rates, our journey was seamless and positive.

Navigating through the website was a breeze, and finding the information you need is quick and effortless. provided multiple loan offers from various lenders, allowing us to compare interest rates, terms, and repayment plans in one place. The application process was straightforward, and securely connected with my financial accounts for verification. This eliminated excessive paperwork and made the process convenient.

We received multiple loan offers quickly after submitting my application. The speed at which lenders expressed interest was impressive.

Our experience with for personal loans was overall hassle-free and positive. From the user-friendly interface to the efficient application process, prompt loan offers, and competitive rates, proved to be a reliable platform.

If you're looking for a seamless personal loan application experience, I highly recommend giving a try.

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Loan rate & terms disclosure: Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.

Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.