Credible Student Loan Refinance Review

Rating: 9.8 / 10 (Excellent)
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Founded in California in 2012, Credible is an online marketplace that allows consumers to compare competitive financial products side by side. The company partners with leading providers to offer such products as personal loans, student loans, student refinance loans, and credit cards. The company's matching services are entirely free.

How is Credible rated?


Loan Specifics
Customer Experience
Company Reputation

Overall Rating: 9.8 / 10 (Excellent)

Credible is an online marketplace where prospective borrowers can compare financial products like personal loans, student loans, and refinance loans from leading lenders that offer competitive rates and terms. Its list of partnered providers includes CollegeAve, Earnest, iHelp, and Citizens Bank, among others. The company is a BBB-accredited business with exceptionally high ratings and favorable customer feedback across multiple online review sites. Prospective borrowers looking for competitive, personalized offers from various highly-rated lenders are sure to benefit from trying out Credible's outstanding, free service.

Credible Loan Specifics

Loan Specifics - 10 / 10

The lenders partnered with Credible offer loan refinance products for student borrowers as well as parents. Eligible loan types include federal, private, graduate, undergraduate loans, and ParentPlus loans. Loan terms range from five to 20 years, and rates can be either fixed or variable. Variable APRs range from 2.50% to 4.68%, while fixed APRs range from 3.15% to 5.54%. The company states none of their partners charge loan origination fees or prepayment penalties. Further loan details will depend on the particular lender selected, and the application process will be completed through the lender's website, as Credible only facilitates matching services and does not provide funding itself.
Loan Types
Fixed APR Range
3.15% to 5.54%
Variable APR Range
2.50% to 4.68%

Credible Qualifications

Qualifications - 9.5 / 10

There are no qualification requirements to use Credible's services, yet qualifying for a loan through one of its partnered lenders may require a fair to excellent credit score (650 to 700+). Although eligibility requirements vary between lenders, applicants can improve their chances of qualifying for a refinance loan by having a creditworthy cosigner.
Minimum Credit Score

Credible Customer Experience

Customer Experience - 9.5 / 10

Through Credible, prospective borrowers can obtain personalized loan offers from vetted, industry-leading lenders. The process is quick and straightforward, only taking approximately two minutes to complete. Borrowers only have to fill out a simple form providing details about their school, income, and requested loan amount. After completing the form and creating a Credible account, applicants will be able to see different loan offers on their dashboard. Once the borrower has narrowed down the APR and loan terms they find most favorable, they simply have to choose a lender and complete the process on the company's site. Comparing loan offers through Credible does not affect an applicant's credit and the service is completely free.

Credible Company Reputation

Company Reputation - 10 / 10

Credible is a Better Business Bureau-accredited company with an A+ rating and a composite score of 4.96 out of 5 stars based on overwhelmingly positive customer reviews. Further confirming its outstanding reputation is the company's excellent 9.5 out of 10 Trustpilot score based on over 85% positive customer feedback. Most users find Credible's services convenient and remarkably easy to use.
Lender Type
Year Founded
BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Trust Pilot Rating
9.5 out of 10
Date Collected

Company Profile

Full Name
Credible Student Loan Refinance
Company Website
101 Green Street, Level 2, San Francisco, CA, 94111

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Top Rated
Our Partner
9.8 / 10
  • Rates start as low as 2.50% variable and 3.20% fixed APR
  • No hidden fees, origination fees or prepayment penalties
  • Find your rate in two minutes
  • Checking your rates does not affect your credit score
  • Get the best offers from top lenders
  • Consolidate some or all to make single payments
  • Get prequalified in minutes