Credible is a loan marketplace, not a lender, helping borrowers compare rates and offers from multiple lenders in one place. With Credible, you can find private student loans for college, graduate, and professional degrees. You can cover up to 100% of your school-certified costs after financial aid.

Additionally, Credible is free to use and offer customer support to help borrowers. And Credible partners with do not charge origination fees and have no prepayment penalties.

Why Use Credible Private Student Loan

  • Many lenders mean more options. Choose between fixed and variable rate loans, as well as deferred and interest-only repayment plans.
  • Simple process with one application. In just a few minutes, find private student loan options from multiple lenders. No multiple forms.
  • Lower rates. Choose between fixed and variable rates with auto pay discounts. Get rates not estimates.

What Makes Credible Different?

  • Speak with experts. They offer access to real people to help you with your private student loan process.
  • Given choices. It's important to know you have choices when it comes to your student loan refinancing. Lenders are vetted and the process to check your rate is a soft-pull (doesn't impact your credit) you can rest easier.
  • Confidently shop. Your information is never shared with others unless you permit it. The website states they use bank-level security and encryption technology.

How to Compare Private Student Loans

After a short application that includes name, income, and loan amount, Credible will run a soft credit check. A soft credit check does not impact your credit score. If you can meet the lenders' criteria, you'll then pre-qualify for loans but none of which are final until you've submitted a complete application directly to the lender.

  1. Answer a few quick questions to request student loan rates from multiple lenders.
  2. Choose a lender and provide a bit more information so your rates can be finalized.
  3. Upload a few documents and your loan is then disbursed to your school.

What Happens After You're Approved?

Once you complete the application with a lender, you continue the process with them. You'll need to complete and send your information to the lender who has approved your loan.

The Smile Review of Credible

Credible makes it easier to find the right private student loan from multiple lenders in one simple form. If you're shopping around for a private student loan, you can save time using Credible as opposed to visiting multiple websites. It's free and checking your rate doesn't impact your credit. Credible make their money from the lenders who pay them to source new borrowers.

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