Compare Credible vs. SoFi Student Loan Refinance

What’s the difference between Credible Student Loan Refinance and SoFi Student Loan Refinance? See how our editors compare the two companies below.
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Select 2 student loan refinance companies to compare
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Credible
9.6 / 10 - Excellent
#2 in Student Loan Refinance
Our Partner
SoFi
9.6 / 10 - Excellent
#1 in Student Loan Refinance
Our Partner
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Key Facts
  • Rates start for as low as 2.78% variable and 3.35% fixed APR
  • Find your rate in 2 minutes
  • Checking your rates does not affect your credit score
  • Get the best offers from top lenders
  • Select from multiple student refinance offers
  • Consolidate some or all to make single payments
  • Get prequalified in minutes 
  • SoFi members save an average of $22,359 by refinancing their student loans**
  • Find your rate in 2 minutes
  • Consolidate & refinance your federal or private student loans
  • As low as 3.35% fixed or 2.795% variable APR (with Autopay)
  • Up to 20 year loan terms
  • Unemployment protection
  • Simple online application
ConsumersAdvocate.org Ratings
9.6 / 10 - Excellent
10/10
Savings
9/10
Qualifications
10/10
Loan Limits/Terms
10/10
Customer Service
10/10
Additional Fees
10/10
Application Process
9.6 / 10 - Excellent
10/10
Savings
9/10
Qualifications
10/10
Loan Limits/Terms
10/10
Customer Service
10/10
Additional Fees
9/10
Application Process
Customer Reviews
 (9)
2.4 / 10 - Poor
11%
5 stars
0%
4 stars
0%
3 stars
0%
2 stars
78%
1 stars
Final Verdict

SoFi Student Loan Refinance and Credible Student Loan Refinance are very close in quality and have the same overall rating. That said, SoFi scores better than Credible across: Savings, and Customer Service. Whereas, Credible scores better on Additional Fees, and Application Process. Both companies score similarly on Qualifications, and Loan Limits/Terms.

Latest Reviews

A
Anonymous
Dallas, Texas
SoFi Student Loan Refinance review
6/9/2017
I applied and was approved in a timely manner. My interest rate was awesome compared to what I'm at with the Feds. I just now have to decide whether or not I want to give up my rights that the Feds offer with repayment options over the life of the loan.

Jeremy O
Matthews, North Carolina
SoFi Student Loan Refinance review
3/7/2017
Please ignore my last review. I was remarking about another student loan refinance company. SoFi promptly responded to my concern and answered my questions. They (Mitsy) were very prompt and courteous.