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Actual Prequalified Rates
If it's not a real rate, it's not Credible.
No mysteries. No bait-and-switch. You see real prequalified rates for loans that are available to you with no impact to your credit score. Checking rates on Credible is 100% free.
Illustrative purposes, actual results may vary.
Prequalified rates are not a firm offer of credit
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Designed to protect your privacy.
Our marketplace is built to defend you from unwanted marketing and pushy sales calls. We limit the personal data we collect and only share it with lenders with your permission.
Unbiased and transparent
The only favorite we have is you.
We're not comfortable with getting paid to rate products higher, sell your data, or hide fees. Know exactly what your cost breakdown is before selecting a lender.
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Excellent rate and terms
Simple application process. Interest rate and terms better than my bank, credit union, and another lending company that I have used twice...
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OUR PRODUCTS
Personal loansRefinance student loansPrivate student loansHome loansMortgage refinancingInsuranceFAQs Back to topConsolidate credit cards and other debt to a lower rate. Or fund a home improvement, wedding, vacation, and many other financial goals.1
Refinance federal, private, and Parent PLUS loans to lower your interest rate or reduce your monthly payment.
Comparing lenders is the smart way to pay for school. Cover up to 100% of your school-certified costs after financial aid.
Compare multiple mortgage lenders in minutes. Our lenders are here to help you every step of your home buying journey.
See accurate and transparent pricing from multiple refinancing lenders in minutes. Apply online to the lender that is right for you.
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Credible is a marketplace that allows you to compare
financial products from multiple providers
side-by-side. Credible is not a lender, a bank or a
credit card issuer — we partner with top financial
service providers so that they can provide you with a
variety of competitive options, enabling you to
quickly find the right financial product for your
needs. Best of all, comparing rates on Credible is
completely free and won't impact your credit score!
You
can find out more about our company on our
About Us page.
Nope! Credible performs a "soft credit inquiry" to
provide personalized prequalified rates for the loan
products on our site. Soft credit inquiries do not
affect your credit score.
Once you choose a
loan product on your Credible Dashboard, and once you
decide to move forward with a particular lender, a
hard credit inquiry will be performed, which will
impact your score. Likewise, if you apply for a credit
card, the credit card issuer will perform a hard
credit inquiry when you apply for a credit card.
With Credible’s lending marketplace, you can fill out
a simple, streamlined form, and instantly see which
lenders you prequalify for and at what rates. These
are personalized, prequalified rates based on your
credit history. Checking your prequalified rates with
Credible will not affect your credit score.
Many
other comparison sites will only provide you with
generic information about a given financial service
provider — the rates and information you see will not
be specific to you and your credit history. You might
be able to go to a specific lender’s website and see
your personalized prequalified rates, but you’ll only
be able to do this for one lender at a time.
We want this to be a “win-win” situation. So we only
want to get paid if we bring you value in the form of
finding a personal finance option that works for you.
The way we earn money depends a bit on the product
that you use, so here’s a breakdown of how that works
on Credible.
For student loans and student
loan refinance, Credible receives compensation from
the lender if you finish the loan process and a loan
is disbursed. The amount of our compensation does not
impact how and where lenders appear on our site, and
Credible charges you no fees of any sort.
For
personal loans, Credible receives compensation from
the lender if you finish the loan process and a loan
is disbursed. The amount of our compensation does not
impact how and where lenders appear on your
prequalified rates dashboard, and we don't charge you
fees of any sort. If you don't prequalify for rates
through our Marketplace, we may show options from
other network partners, and these offers may be
presented based on the compensation we receive.
