Personal loans to get you one step ahead
Rates from 7.49% - 35.99% APR1 in just 2 minutes
Checking rates won’t affect your credit score
Best Rate Guarantee
If we can't find you the best personal loan rate, we'll give you $200 (Terms Apply).Learn More.
Why Credible?
Free to use, no hidden fees
Loan amounts from $600 to $200,000
Prequalified rates in 2 minutes
Check rates from multiple lenders
Our process
How to get a personal loan online with Credible
One simple form
We’ll ask questions to narrow down your lender and rate eligibility. Receive real rates, not estimates.
Compare rates
Shop from lenders like Discover, Upstart, SoFi, and more. Choose your lender, interest rates, and term.
Close your loan and fund your goal
If you’re approved, you’ll just need to sign your documents — then relax as the funds make their way to you.
1
One simple form
We’ll ask questions to narrow down your lender and rate eligibility. Receive real rates, not estimates.
2
Compare rates
Shop from lenders like Discover, Upstart, SoFi, and more. Choose your lender, interest rates, and term.
3
Close your loan and fund your goal
If you’re approved, you’ll just need to sign your documents — then relax as the funds make their way to you.
Since 2012, we’ve strived to be the most trustworthy personal finance marketplace.
We’ve helped over
3.4 million users
compare prequalified rates
See Credible reviews
Excellent customer service
I was apprehensive when I first started... but the customer service was excellent .. I got a good deal very quickly and they helped me .. totally recommend it
Great rates for consolidation
Outstanding, competitive rates. It let me shop different vendors without having to go to multiple sources and provide my info. I will be saving a ton ...
Easy process
I was able to refinance my student loan and secure a much lower rate than I had with my other servicer. The process was so easy!
More choice
Credible gave me more choices to fit my needs. The information they passed on was absolutely correct.
Now I'm in control
I had lost all hope of being able to refinance my student loan till I saw a recommendation for credible and gracefully they helped me ...
An informed decision
I love and respect the honesty in the information provided to help us, the consumers make informed decisions about our finances and/ credit needs ...
Used Credible twice
So far I have used Credible twice. The first time I got a top notched Personal Loan which I used to pay off ALL of my high interest credit cards. I then ...
From nervous to excited
While I was a bit nervous about looking for loan options on the internet, Credible made it incredibly easy. I found several options ...
Smooth and seamless
I was able to [reduce my] monthly payments with a loan at a lower interest rate than what I had. I also was quickly approved and there were no hassles ...
Excellent Experience
Credible was easy and straightforward. The answer I was hoping for came quickly. There was no unnecessary paperwork. It was a pleasure working ...
Individual experience may vary.
QUESTIONS?
Our Client Success team is always here to help
Want to talk to a real person? We’re available by phone, live chat and email.
[emailprotected]
Chat Now
866-540-6005
Monday - Thursday
9am - 9pm ET
Friday
9am - 7pm ET
Sat
10am - 6pm ET
Sun
Closed
1Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 7.49% - 35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.
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. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile.
When you apply for credit, receive credit approval, and/or close a loan, or otherwise during loan processing, your chosen Provider, or ultimate lender, will perform a hard credit pull. For detailed information specific to your chosen Provider or ultimate lender, please review any disclosures your chosen Provider or ultimate lender delivers to you. These disclosures will detail when a hard pull may occur, along with other terms and conditions of your chosen Provider's and/or ultimate lender's products and services.
Debt consolidation and credit card refinancing involve using a new loan to pay off your existing balance. This does not eliminate debt, but replaces one debt with another. While personal loan rates generally are lower than credit card interest rates, you may pay more in origination fees and interest over the life of the loan depending on other loan terms. Please consult a financial advisor to determine if refinancing or consolidating is right for you.
1Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 7.49% - 35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.
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. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile.
When you apply for credit, receive credit approval, and/or close a loan, or otherwise during loan processing, your chosen Provider, or ultimate lender, will perform a hard credit pull. For detailed information specific to your chosen Provider or ultimate lender, please review any disclosures your chosen Provider or ultimate lender delivers to you. These disclosures will detail when a hard pull may occur, along with other terms and conditions of your chosen Provider's and/or ultimate lender's products and services.
Debt consolidation and credit card refinancing involve using a new loan to pay off your existing balance. This does not eliminate debt, but replaces one debt with another. While personal loan rates generally are lower than credit card interest rates, you may pay more in origination fees and interest over the life of the loan depending on other loan terms. Please consult a financial advisor to determine if refinancing or consolidating is right for you.
