Credible Student Loans: 2022 Review (2023)

Written by

Hanne Barham

Hanne Barham

Edited by

Hannah Smith

Hannah Smith

Updated January 1, 2023

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(Video) Credible Student Loan Refinancing Review | Student Loan Planner

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You have questions about money. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools they need to be successful in their financial journey through life.

Bankrate follows a stricteditorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial team is objective, factual and not influenced by our advertisers.

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at a glance

Credible Student Loans: 2022 Review (1)


Rating: 4.1 out of 5 stars


refund options

Rating: 4.2 out of 5 stars



Rating: 4 out of 5 stars


customer experience

Rating: 4 out of 5 stars


(Video) Credible Student Loan Refinancing Review | Complete Walkthrough to Refinance Your Student Loans

About bank rate score

Credible is not a student loan provider; is an online student loan marketplace that allows borrowers to compare multiple lenders and interest rates. Credible is a good option for borrowers in good financial shape (or those with a co-signer) who want to compare multiple offers in a short amount of time. However, some of the best private student loan lenders are not listed on Credible's website. Therefore, while it is a useful tool, it should not be the only resource used when comparing potential interest rates.

loan amountVaries depending on the lender

annual percentage rate of4.49% - 15.76% Variable; 3.65% - 16.16% Fest

terms of office5 to 20 years

This lender is best forBorrower who need a loan quickly.

Get my custom pricing

Check the rate with Bankrate

Reliable Resources

Credible offers a selection of undergraduate and graduate personal loans, as well as student loan refinance. Credible's primary value proposition is the ability to compare interest rates and potential offers from multiple lenders simultaneously through a single pre-qualification form. You can see which lenders you qualify for and what interest rates you can get without a strong loan application, so comparing offers has little impact on your credit score.

Credible advertises that there is a quick prequalification form – according to the company, you should be able to fill out the form within three minutes. If you find a better price outside of Credible, you may qualify for a $200 Credible Gift Card.

Credibility: in the details

Credible Student Loans: 2022 Review (2)

loan amount

Varies depending on the lender

(Video) 5 Best (and worst) Private Student Loans (2019-2020)

annual percentage rate of

Personal loans: 4.49% to 15.76% variable APR, 3.65% to 16.16% fixed APR (with automatic payout) | Refinance Loan: 3.99% to 11.97% Variable APR; 3.95% to 11.87% Fixed APR

terms of office

Personal loans: 5 to 20 years | Refinancing loan: 5 to 20 years

payment term

Varies depending on the lender

Refund Policy

Personal loans: 5 to 20 years | Refinancing loan: 5 to 20 years

loan types

Undergraduate, Graduate, Law, Medical, MBA, Parents, Refinance

guarantor required?


Pros and cons of credible student loans

Credibility can be a quick and convenient way to compare lenders, but there are some downsides to using it as your main tool.


  • Multi-company pre-qualification: Credible partnerships with currently 8 student loan lenders and 10 refinance lenders. Being able to compare multiple lenders at once with just one application is a huge advantage. It makes the shopping process easier, faster and more convenient.

  • No Fee Potential: Reliable partners with many lenders that charge no setup fees.

  • Wide range of repayment options: Credible partner lenders offer many options for repayment terms. While the exact options vary by lender, you may find terms ranging from five to 20 years.


    • Doesn't research all lenders: While Credible partners with a good selection of lenders, it doesn't work with all the major players in the student loan market. Big lenders like SoFi and Earnest aren't included, so you'll need to pre-qualify with those lenders separately to see if you can get a lower rate.

    • Details vary by lender: you don't know exactly what terms and rates you're asking when you submit through Credible's form. Each lender has their own interest rates, loan amounts, and grace periods, so you must do your due diligence by researching the lenders you match with.

Credible eligibility requirements for student loans

Because Credible is not a lender, there are no minimum requirements for loan approval; it all depends on the individual lender. However, the prequalification tool is a great way to find out which loans you might qualify for.

In principle, borrowers must have a good credit rating in order to be able to take out a private student loan. Borrowers must also be US citizens or legal residents and be at least the age of majority. Borrowers who do not meet all requirements can add a co-signer to the loan to be approved or qualify for better interest rates.

Who is this loan good for?

Borrowers who need a loan quickly can benefit from Credible's unique loan comparison tool. Although the company doesn't work with all student loan lenders -- and therefore doesn't offer the best interest rates available -- the fact that you can compare multiple lenders via a three-minute form is a huge boon for borrowers who don't have time to compare them to conduct research yourself.

(Video) What Are the Best Private Student Loans?

interest rates and maturities

Many of the lenders that Credible offers offer both fixed and variable interest rates on their student loan products. Credible itself does not offer discounts, but the rates below reflect discounts given by lenders.

loan product

variable interest rate

flat rate

Loans for undergraduate students

APR from 4.49% to 15.76%

APR from 3.65% to 16.16%

Refinance student loans

APR from 3.99% to 11.97%

APR from 3.95% to 11.87%

Fees and Penalties

Fees and penalties vary by lender; Some lenders may charge processing fees, application fees, or late fees. Before officially accepting a lender's offer, check their terms and conditions for any hidden fees or penalties.

Refund Terms and Grace Period

As with fees, repayment and grace periods vary by lender. However, most private lenders offer a six-month grace period, and credible partner lenders can offer repayment terms from five to 20 years.

Customer service

Credible receives an "A+" rating ofBest business premises, based on the company's business practices and how it responds to customer complaints.

You can contact customer service via email at, by phone at 866-540-6005, or through the online chat feature. Representatives are available Monday through Thursday from 6:00 a.m. to 6:00 p.m., Friday from 6:00 a.m. to 4:00 p.m. and weekends from 7:00 a.m. to 4:00 p.m. Pacific Time.

The company also offers oneextensive FAQfor questions about the application process, application with co-signer and selection of a lender.

How to apply for a loan at Credível

You qualify for Credible loans directly on Credible's website, where you enter basic personal information and your desired loan amount. The process takes about three minutes. After submitting the prequalification form, you will receive offers in your credibility panel.

From your dashboard, you can filter the results based on certain factors, such as: B. your payment plan, the type of interest or the desired monthly payment. Once you've narrowed it down and are ready to apply, you can select your desired lender from the dashboard.

Once you have selected a lender, the lender will complete a rigorous loan inquiry to determine if you meet the required financial criteria and will be required to provide additional documentation. If you are approved, the lender will contact you to finalize the loan details.

How Bankrate assesses credibility

total score3.8
refund options4.2Many details of credible loans depend on the lender you connect with; However, there is potential for a wide range of repayment terms and loan amounts.
Accessibility3.2Interest rates and grace periods vary by lender, but generally Credible's lending partners offer low interest rates.
customer experience4.0Although Credible doesn't list customer service hours, it offers a good online experience.

Editorial Disclosure: All reviews are prepared by staff. The opinions expressed here are solely those of the reviewer and have not been verified or approved by any advertiser. The information contained in the review, including prices and fees, is correct as of the date of the review. Check the details at the top of this page and the lender's website for the most up-to-date information.

This page

This page

  • at a glance
  • Reliable Resources
  • im Detail
  • Advantages and disadvantages
  • Requirements
  • our assessment

Compare prices

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Is it hard to get a loan with credible? ›

Credible's lending partners will work with credit scores as low as 670. If your score is lower, you can use a qualified cosigner to apply for a loan refinance.

Get More Info
What are my chances of getting approved for a student loan? ›

Try applying with several different lenders. With approval rates hovering around 20%, there's a good chance that your first application may not get you the loan you need. But, trying to get approved through several different private student lenders may work out in your favor in the long run.

Discover More
Is credible a good company to refinance student loans? ›

We consistently rank Credible as one of the best private student loan marketplaces. Just like for student loan refinancing, you can fill out a simple form and compare offers from multiple private student loan lenders all at once (without a hard credit check)¹.

Discover More Details
Are there legitimate student loan forgiveness programs? ›

There are real federal loan forgiveness programs out there, including Public Service Loan Forgiveness (PSLF) and Teacher Loan Forgiveness. But many companies will try to take advantage of borrowers by guaranteeing immediate results or requesting money up front for services they cannot provide.

Get More Info
What is the minimum credit score for Credible? ›

Meet minimum requirements to qualify

In general, you'll need to have a credit score of at least 620 to qualify for a loan.

Tell Me More
How long does it take to get a loan from Credible? ›

You can often apply online within minutes and might even get an instant decision, depending on the lender. If you're approved, you'll typically get the funds within five business days. Some lenders send money even faster — for example, Lightstream might fund your loan as soon as the same business day.

Get More Info
Why do I keep getting denied for student loans? ›

Lenders may look at your employment history, credit score, debt-to-income ratio, and enrollment status at your school. One of the most common reasons why a student might not qualify for a private student loan is because they don't meet their lender's FICO® Credit Score criteria.

View Details
Why would I get denied for a student loan? ›

Unfortunately, it's common for would-be borrowers to be denied loans, and there are a number of factors that could lead to loan denial. Your credit history, current credit score, insufficient application information, or a whole host of other issues could cause you to be rejected for a loan.

Know More
What is the minimum credit score to get student loan? ›

So, you can understand why most lenders require a minimum credit score between 600 and 700 to be approved for a private student loan. If you don't have a credit score over 600, you'll likely need to add a creditworthy cosigner to your loan.

Learn More Now
Will credible affect my credit score? ›

Does Using Credible Affect Your Credit Score? Credible does not perform a hard inquiry on your credit report when you submit a request for rates. Instead, it does a soft inquiry, which has no effect on your credit score. That said, you are not guaranteed to get prequalified rates from every lending partner.

Keep Reading

How does credible make money? ›

Credible is free to use and makes money by receiving a referral fee from the companies it recommends. Both parents and students can apply for student loans or refinance existing student loans with Credible. The refinancing process is also available for students who didn't complete their degree and who did not graduate.

Discover More
What is the downside of refinancing your student loans? ›

The biggest drawback of refinancing your student loans is giving up the protections that you otherwise receive with federal loans, such as income-driven repayment plans.

Get More Info
How do I know if student loan forgiveness is real? ›

If you're hoping for student loan forgiveness, be wary of these six warning signs of student loan forgiveness scams:
  1. Promises immediate student loan relief.
  2. Want you to pay money up front.
  3. Ask you for your SSN or other sensitive information.
  4. Claim to be affiliated with a government agency.
  5. Use high-pressure sales tactics.
More items...
Dec 1, 2022

Learn More
How do I know if my student loan is forgiven? ›

How will I know when my loans are forgiven? The Department of Education will notify you when your application is approved, and your loan servicer will update you once your loans are forgiven. Keep an eye out for any correspondence from your servicer via email or mail, and regularly check your loan balance online.

Read The Full Story
What student loans are not eligible for forgiveness? ›

What student loans are not eligible for forgiveness? Private student loans, by definition, are private and are not eligible to be forgiven. These are loans the borrower owes to student loan providers and not the federal government.

Explore More
What is the poorest credit score? ›

The VantageScore model breaks down its credit score ranges as follows:
  • Very Poor: 300-499.
  • Poor: 500-600.
  • Fair: 601-660.
  • Good: 661-780.
  • Excellent: 781-850.
Aug 16, 2022

Show Me More
Is 620 a fair credit score? ›

A FICO® Score of 620 places you within a population of consumers whose credit may be seen as Fair. Your 620 FICO® Score is lower than the average U.S. credit score. Statistically speaking, 28% of consumers with credit scores in the Fair range are likely to become seriously delinquent in the future.

Explore More
How to get credit score from 620 to 700? ›

Here are some of the best ways.
  1. Pay on Time, Every Time. ...
  2. Reduce Your Credit Card Balances. ...
  3. Avoid Taking Out New Debt Frequently. ...
  4. Be Mindful of the Types of Credit You Use. ...
  5. Dispute Inaccurate Credit Report Information. ...
  6. Don't Close Old Credit Cards.
Feb 7, 2021

See Details
How do you know if your loan will be approved? ›

Most personal loan lenders review your credit score, credit history, income and DTI ratio to determine your eligibility. While the minimum requirements for each of these factors vary for each lender, our recommendations include: Minimum credit score of 670.

Learn More
Does getting denied for a loan hurt? ›

Getting rejected for a loan or credit card doesn't impact your credit scores. However, creditors may review your credit report when you apply, and the resulting hard inquiry could hurt your scores a little. Learn how to wisely manage your next application and avoid unnecessary hard inquiries.

Know More

Can a approved loan be denied? ›

Banks will not approve another loan and will deem you overleveraged. Your DTI (debt-to-income) ratio will be unfavourable and you will not be able to allocate more of your income to clearing off your new loan.

View Details
What GPA is required for student loans? ›

To be eligible for federal student aid and college financial aid, a student must be making Satisfactory Academic Progress (SAP). This generally consists of maintaining at least a 2.0 GPA on a 4.0 scale (i.e., at least a C average) and passing enough classes with progress toward a degree.

Get More Info Here
How do you pay for college if you can't get a loan? ›

9 Ways to Pay for College Without Financial Aid
  1. Complete Your FAFSA. ...
  2. Qualify for Merit Scholarships. ...
  3. Apply for Private Scholarships. ...
  4. Apply for ROTC Scholarships. ...
  5. Attend a Community College. ...
  6. Earn College Credit in High School For FREE. ...
  7. Get a Job, or Two. ...
  8. Education is a Gift.
More items...
Jun 17, 2021

Read More
What credit score do you need to be approved for Sallie Mae? ›

To qualify for a student loan with Sallie Mae, you must have a credit score in the mid-600s. They're a good option for students seeking competitive interest rates with a creditworthy cosigner.

Know More
Does everybody get approved for student loans? ›

Almost everyone qualifies for student loans, though students with the greatest financial need can generally borrow under the best terms. The first step in applying for a student loan is figuring out whether you will be considered an independent student or one who is dependent on your parents.

See More
Does student loan hurt your credit? ›

Yes, having a student loan will affect your credit score. Your student loan amount and payment history will go on your credit report. Making payments on time can help you maintain a positive credit score. In contrast, failure to make payments will hurt your score.

Get More Info Here
What credit score does a cosigner need for a student loan? ›

Since a cosigner shares responsibility for the loan, they need to show that they can manage the loan. This includes having good to excellent credit — usually a credit score of at least 670 or higher — as well as reliable income and a low debt-to-income (DTI) ratio.

Show Me More
Can you get a student loan with a 600 credit score? ›

If you have a credit score in the mid-600s or below, a co-signer will be all but necessary. However, you can also take a look at your options with bad-credit private student loan lenders. Just be ready to pay a much higher price.

Show Me More
Can I get a student loan with a 590 credit score? ›

Most private lenders require borrowers to have a credit score of 690 or above. If you don't have credit or your credit history is thin, you have two options for private loans: A private loan from one of the few lenders that don't have credit or co-signer requirements, though you'll pay higher interest rates.

Keep Reading
Can I cosign a student loan with a 600 credit score? ›

Experian classifies credit scores below 499 as very poor. Scores between 500 and 600 are poor credit and scores between 601 and 660 are fair. If your credit score is below 650, you're not likely to find a private lender who will approve an application to let you cosign student loan refinancing.

View More

Does credible do a soft pull? ›

In order to provide personalized prequalified rates for the loan products on our site, Credible or its lender partners will perform a soft credit inquiry, as authorized by the prospective borrower. Soft credit inquiries do not affect your credit score.

Read On
How do I delete credible? ›

You can deactivate your Account at any time by signing in to your Credible Account, going to Account settings and deleting your account. Alternatively, you can contact customer service and request that your account be deleted.

Read On
What 5 things are worst for your credit rating? ›

5 Things That May Hurt Your Credit Scores
  • Highlights:
  • Making a late payment.
  • Having a high debt to credit utilization ratio.
  • Applying for a lot of credit at once.
  • Closing a credit card account.
  • Stopping your credit-related activities for an extended period.

Read The Full Story
Who is Credible owned by? ›

Content provided by Credible, which is majority owned by Fox Corporation.

Know More
Who does Credible pull from? ›

Soft credit inquiries

Authorizing Credible to make a soft credit inquiry is what allows us to show you accurate rates. We're connected to all three major credit bureaus — Equifax, Experian, and TransUnion — that collect information about borrowers' credit lines and payment histories.

See More
Does Credible call you? ›

Credible will not contact you unless you choose to move forward with a lender and loan product. With other sites, consumer data is sent or sold to multiple lenders, often resulting in unexpected and unwanted phone calls and texts from these lenders.

Find Out More
Can student loans still be forgiven if you refinance? ›

Because refinancing federal student loan(s) means converting them to a private student loan, the amount of federal debt that you refinance will no longer be eligible for federal forgiveness or other federal benefits.

Show Me More
Can student loans that have been refinanced be forgiven? ›

This means that if you refinance your federal student loans with a private lender, you won't qualify for any of the existing loan forgiveness programs or any future ones, either. If you believe that you're currently eligible for one of the existing forgiveness programs, it may be best to keep your loans where they are.

Get More Info Here
Why you shouldn't refinance federal student loans? ›

Only loans held by the federal government are eligible for Biden's student-loan forgiveness. If you refinance your student loans with a private lender, those loans are no longer eligible. You may receive a lower interest rate by refinancing, but you'll miss out on forgiveness.

Know More
How long does it take for student loan forgiveness to be approved? ›

This process can take at least 90 days, but it could take longer.

Tell Me More

How long does it take to find out if you qualify for student loan forgiveness? ›

After you submit an application, expect loan forgiveness in four to six weeks. The Department of Education will accept applications until December 31, 2023 and process them as they're received. About 8 million borrowers won't have to do anything to get forgiveness.

Learn More Now
Are student loans automatically forgiven after 10 years? ›

Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 years (if all loans were taken out for undergraduate study) or 25 years (if any loans were taken out for graduate or professional study).

Read On
Can I get all my student loans forgiven? ›

If you work full-time for a government or not-for-profit organization, you may qualify for forgiveness of the entire remaining balance of your Direct Loans after you've made 120 qualifying payments—that is, 10 years of payments.

Read On
Can student loans disappear? ›

Summary: Even if the statute of limitations on your student debt has passed, the debt can still show up on your credit report for up to seven years. There is no statute of limitations on federal student loans, but private student loans have an average statute of limitations of six years.

Read On
How do I get my student loan paid off or forgiven? ›

4 Student Loan Forgiveness Programs
  1. Income-Driven Repayment Forgiveness. Income-driven repayment (IDR) plan forgiveness is a good option if you cannot afford your payments under a 10-year standard repayment plan. ...
  2. Perkins Loan Cancellation and Discharge. ...
  3. Public Service Loan Forgiveness. ...
  4. Teacher Loan Forgiveness.
Oct 18, 2022

Discover More Details
What companies are forgiving student loans? ›

If you're looking for an employer to pay off student loans, the following list features 14 well-known companies that offer this benefit.
  • Aetna. Aetna is a leading health insurance company serving customers nationwide. ...
  • Ally Financial Inc. ...
  • Carvana. ...
  • CommonBond. ...
  • Chegg. ...
  • Estée Lauder. ...
  • Fidelity Investments. ...
  • Google.
More items...

See Details
Do fafsa loans qualify for loan forgiveness? ›

You may be eligible for discharge of your federal student loans based on borrower defense to repayment if you took out the loans to attend a school and the school did something or failed to do something related to your loan or to the educational services that the loan was intended to pay for.

Read The Full Story
How do I know if my student loan is federal or private? ›

1. Check the top of your federal loan promissory notes, applications, and billing statements, as these state the name of the federal loan program at the top of the document. Federal loan programs include the William D.

Know More
Does Credible hurt your credit score? ›

Does checking your rates with Credible hurt your credit score? For its prequalification process, Credible performs a soft credit check, which will not hurt your credit score. If you proceed with an application, however, Credible will perform a hard credit check that may affect your credit score.

Tell Me More
Can you get rejected for a pre approved loan? ›

Yes. A lender can decline your pre-approved application if you don't pass their checks. It's important you check your information in the 'My details' section of your account is up-to-date before searching for a product, to make sure your results are accurate.

Read On

What disqualifies you from getting a loan? ›

The most common reasons for rejection include a low credit score or bad credit history, a high debt-to-income ratio, unstable employment history, too low of income for the desired loan amount, or missing important information or paperwork within your application.

Learn More
Is Credible a direct lender? ›

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.

Learn More Now
Who does credible pull from? ›

Soft credit inquiries

Authorizing Credible to make a soft credit inquiry is what allows us to show you accurate rates. We're connected to all three major credit bureaus — Equifax, Experian, and TransUnion — that collect information about borrowers' credit lines and payment histories.

Learn More
Is a 95% chance of approval for a loan good? ›

90% – 99% chance of approval

This means that you're very likely to be approved for a loan or credit card based on what you've told us. Usually, the lender will need to do a few final checks on their side to fully approve your application.

Discover More
Why do I keep getting declined for loans? ›

Some reasons your loan application could be denied include a low credit score or thin credit profile, a high DTI ratio, insufficient income, unstable employment or a mismatch between what you want to use the loan for and the lender's loan purpose requirements.

Tell Me More
What can jeopardize your pre approval? ›

New loans, big purchases, job changes or large, unexplained bank deposits could jeopardize or delay final mortgage approval.

Get More Info Here
What is the easiest loan to get approved for? ›

The easiest loans to get approved for are payday loans, car title loans, pawnshop loans and personal loans with no credit check. These types of loans offer quick funding and have minimal requirements, so they're available to people with bad credit.

Explore More
What are 5 things you need to get approved for a loan? ›

Here are five common requirements that financial institutions look at when evaluating loan applications.
  • Credit Score and History. An applicant's credit score is one of the most important factors a lender considers when evaluating a loan application. ...
  • Income. ...
  • Debt-to-income Ratio. ...
  • Collateral. ...
  • Origination Fee.
Nov 1, 2022

Learn More Now
What should you not do before applying for a loan? ›

5 Things Not To Do Before Applying For a Home Loan
  1. Don't apply for a new loan or make any large purchases. ...
  2. Don't add significant debt to your credit cards. ...
  3. Don't switch jobs. ...
  4. Don't make big deposits. ...
  5. Don't miss payments.

Discover More
What are the 4 types of direct loans? ›

There are four types of Direct Loans:
  • Direct Subsidized Loans.
  • Direct Unsubsidized Loans.
  • Direct PLUS Loans.
  • Direct Consolidation Loans.
Nov 17, 2022

View More

What is credible personal loan? ›

Credible offers a personal loan marketplace where you can see prequalified rates from multiple lenders at once. There's no fee or credit score impact to check your rates and Credible says it won't sell your data. Pros/Cons. Check multiple rates at once. Wide range of options.

Show Me More


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Name: Zonia Mosciski DO

Birthday: 1996-05-16

Address: Suite 228 919 Deana Ford, Lake Meridithberg, NE 60017-4257

Phone: +2613987384138

Job: Chief Retail Officer

Hobby: Tai chi, Dowsing, Poi, Letterboxing, Watching movies, Video gaming, Singing

Introduction: My name is Zonia Mosciski DO, I am a enchanting, joyous, lovely, successful, hilarious, tender, outstanding person who loves writing and wants to share my knowledge and understanding with you.