Credible Reviews

5,150  Excellent
TrustScore 4.5 out of 5


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Reviews  5,150

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Rated 5 out of 5 stars

Very Easy To Apply

We found a student loan for my college-bound son that had a much better rate than we had expected. For new college parents with 700+ credit scores, skip the federal loans and lock in a low rate on a private loan. Pro tip: Borrow $50k for less than $175/mo (interest only) and pay off principal balance in 5 years. Structure as student loan with you as co-signer to build your son/daughter's credit whilst in college.

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Rated 5 out of 5 stars

Quick and easy

The experience was quick and easy. I got a great rate and have an opportunity to get more money if we need it.

Rated 4 out of 5 stars

4 Stars...close to 5

I would rate this as five stars if it was a little more direct. Credible found me a good rate with a lender quickly and that part was great. It is just a lot of back and forth between the applicant, Credible and the lender until it is finally finalized. Nothing against Credible...they did their part great. I guess I just knocked it down a star for having the middle man all the way up until the loan is disbursed.

Reply from Credible

Hi, Joseph -

Thanks for taking the time to share your Credible experience.

We value customer feedback and we'll use yours to improve the Credible experience. If there's anything else you'd like to share you can call us at 866-540-6005, Monday through Thursday 6am - 6pm PT, Friday 6am - 4pm PT, and Saturday-Sunday 7am - 4pm PT or you can reach us by email at

Rated 5 out of 5 stars

Credible is the go to for student loan…

Credible is the go to for student loan refinancing. Experienced customer service is my first reason to go to Credible and quick response time is the second reason. Every thing is laid out just waiting on you decision to move forward. They have the answers and are always helpful.

Rated 5 out of 5 stars

In under 30 minutes

In under 30 minutes, on a Saturday morning, i applied, was approved, and received a loan document to e-sign. For months, I had been evaluating offers via US mail, email, and even text, with what I thought were high loan interest rates, plus a 6% “origination” fee. Turns out, I was correct. I saved 8% more by going on, and there were no added fees. Also, I received the loan check the following Friday! Apparently, CREDIBLE represents valid lenders who want to do business with honest and responsible consumers.

Rated 1 out of 5 stars

Accidentally got on Credible looking at Sofi loan

Accidentally got on this website exploring a Sofi loan , not realizing it was Credible and put in some of my info before i caught it , figured since I didn't finish I would be okay. Started getting Emails from Credible to finish , I guess they capture your info before you even submit it. I just ignored them , but felt uneasy that they had gotten my info. They claimed that Sofi had approved me and I'm wondering how and even had terms, since I didn't even really finish my application , I still ignored them although more emails came. Now today I get an email from Prosper / WebBank that they have pulled my credit record, I have never been on their web site, the only conclusion is Credible is "shotgunning" my info out there without my permission. I will probably seek legal advise , this company should not be able to exist, stay away from them, be very careful when you click on a web site you think is the company you are looking for and it's not a third party representing the site.

Reply from Credible

Hi, Terry -

Thanks for taking the time to reach out with your review.

Credible is a marketplace for comparing prequalified rates with several lenders at once for different products, such as personal loans. We partner with several lenders (including SoFi) so that our users can compare prequalified rates from multiple, vetted lenders in one place by filling out a simple form.

When you create a pre-qualification request on our personal loans marketplace, you authorize Credible and the lenders on our site to perform a soft credit pull that will not impact your credit score. A soft credit pull involves obtaining your credit score and credit profile, including existing credit accounts, balances, etc.

The emails you have received from lenders are called denial letters or "adverse action notices." Some lenders choose to treat a pre-qualification on Credible as an application and send these out if they are unable to offer rates.

Credible takes user data privacy very seriously and does not sell any of our customers' personal information, email address, or other contact information to any third parties, except for lenders if you choose to apply for a loan with one. When a user completes a prequalification request on our site and selects a lender, we send the user’s information to only the customer’s selected lender (or lenders).

If you have any questions or anything else you'd like to share with us we can be reached by email at and by phone at 866-540-6005, Monday through Thursday 6am - 6pm PT, Friday 6am - 4pm PT, and Saturday-Sunday 7am - 4pm PT.

Rated 4 out of 5 stars

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.