Rating: 8 / 10 (Very good)
Disclosure: We receive advertising revenue from this partner. Learn more.
Established in 2012, Credible is an online lending marketplace that allows consumers to search for and compare customized pre-qualified personal loan offers from multiple lenders. It also offers student loan refinancing, private student loans, and credit cards. Credible is based in San Francisco and has a strong leadership team with decades of financial experience.

How is Credible rated?


Loan Specifics
Cost of Loan
Lender Reputation

Overall Rating: 8 / 10 (Very good)

Credible's easy, fast, and secure web platform makes getting prequalified offers from lenders a breeze. With loan amounts of up to $50,000 and APRs as low as 4.99%, Credible is a great choice for people looking to borrow money quickly and safely. They also offer student loan refinancing, private student loans, and a great credit card comparison tool.

Credible Loan Specifics

Loan Specifics - 8 / 10

Credible allows consumers to compare several prequalified personal loan offers from a wide range of lenders, and various uses, on its simple web-based platform. Credible is partnered with lenders such as Upstart, Avant, and LendingClub. Personal loans on Credible start at $1,000 and are available up to $50,000, with term lengths ranging from 2 to 5 years. After an applicant submits their personal information, Credible will present all pre-qualified offers in an easily navigable dashboard for the applicant to choose the option best for their unique circumstance. Whether a loan can be transferred to creditors directly, or how long is takes for a loan to be approved and subsequently disbursed, will vary from lender to lender, as Credible is a marketplace and not a direct lender.

Loan Uses

Debt/Credit Card Consolidation
Buy Home
Major Purchase
Home Improvement
Medical Expenses
Start Business
Loan Minimum
Loan Maximum
Term Length
2 to 5 years

Representative Loan Sample

A four year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% found through Credible would have an estimated monthly payment of $561.60 and a total cost payable of $27,948.13.

Credible Qualification

Qualification - 8 / 10

To receive prequalified offers, applicants are required to create an account on the Credible website and provide relevant personal information. This information includes the purpose of the loan, name, address, employment status, and social security number. The social security number is used to retrieve the applicant's credit history and provide personalized rates, but this request is a soft credit check and does not affect the their credit score. Minimum FICO score, debt-to-income ratio, and other requirements for individual loans are not disclosed by Credible, owing to the fact that they are only a marketplace and not a direct lender.
Personal Income Considered
U.S. Citizen
Hard Credit Pull

Credible Cost of Loan

Cost of Loan - 8 / 10

Because Credible is a loan marketplace and not a direct lender, this means many features of loans, like fees and penalties, vary by lender and are only divulged when redirected to one. Credible does state however, that their partners' APR ranges start at 4.99%.
APR Range
4.99 to 35.99%

Credible Reputation

Lender Reputation - 8 / 10

Since being founded in 2012, Credible has been features in many news sites and journals, such as the CNBC, Fox Business, and CNN Money. It is a BBB accredited business with an A+ rating and 4.97 composite score. An excellent 9.5 Trustpilot score adds onto it's already outstanding reputation.
Type of Lender
Year Founded
BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Trust Pilot Rating
9.5 out of 10
Consumer Financial Protection Board (CFPB) Complaints
Date Collected

Company Profile

Full Name
Credible Personal Loans
Company Website
101 Green Street Level 2, San Francisco, CA, 94111

Our Partner
8.0 / 10
  • Loan amounts of up to $50,000
  • APRs start at 4.99%
  • Get personalized pre-qualified offers from multiple lenders
  • Student loan refinancing, private student loans, and credit card offers
  • Personal finance resources
  • Accredited and rated A+ by the BBB
  • Rated 9.5 out of 10 on Trustpilot