Credible Student Loans Review

Rating: 9.4 / 10 (Excellent)
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Credible Inc. is a San Francisco-based company founded in 2011. The company offers an online platform where students can compare interest rates and choose from a network of lenders offering personal loans, student loans, and refinance options. Credible currently holds a Better Business Bureau rating of A+ and a Trustpilot rating of 9.4.

Credible - Overview

Based in San Francisco and founded in 2012, Credible Labs Inc. is an online marketplace that offers student loans, personal loans, and student loan refinance services from multiple lenders. The company provides a free, no commitment service which allows customers the option of choosing competitive loan rates offers from its partner lenders. Credible has been featured in Forbes, the Wall Street Journal, and on the NBC Nightly News. The company carries an A+ rating with the BBB and 9.4 out of 10 on Trustpilot. It has also garnered a significant amount of positive customer reviews given its relatively short time of operation.

Student Loans Offered

Credible offers student loans from multiple established lenders such as Citizens Bank, Rhode Island Student Loan Authority, iHelp, CommonBond, and College Ave. Undergraduate, graduate, and professional degrees are all eligible and the company works with 2,200+ schools. Credible allows customers to access options of loans from trusted loan providers in a convenient and simple loan request application.

Federal Student Loans

Private Student Loans

Maximum Loan Limit

Minimum Loan Amount

Varies by lender

Maximum Loan Amount

100% of tuition

Student Loan Rates

Fixed Rate

Variable Rate

Below is a sample of some of the rates you might get from Credible affiliates. 

Interest Rates for CommonBond

Variable Rates: From 3.22% to 5.68% APR
Fixed Rates: From 3.5% to 7.49% APR
Hybrid Rates: From 3.78 to 6.24% APR for first 5 years

Interest Rates for NelNet U-fi

Variable Rates: From 4.21% to 7.84% APR
Fixed Rates: From 5.28% to 9.49% APR

Interest Rates for RISLA

Fixed Rates: From 4.24% to 5.74% APR and 5.49% to 6.99% APR

Loan Terms

Loan Term Period

Varies by lender


Requirements and other qualifications will be provided by the borrower’s chosen lender. Standard qualifications such as the following information may apply:

  • Must be a U.S. citizen or permanent resident
  • Must have a good credit or qualified co-signer
  • Must be enrolled at least half-time in a degree-granting program at an eligible school
  • Must be of legal age in their state or residency for student borrower or co-signer

Credible’s online platform takes only 5 minutes to complete. Prospective borrowers can compare various student loan offers from multiple lenders, sign documents online, and submit the forms to the chosen lender. If approved, funds will be disbursed directly to the school without any other loan related fees charged by Credible.


Online Application

College Scholarship Search

Student Loan Calculator

Application Process Time

A few minutes

Rewards and Discounts

Credible also offers a number of benefits for their customers. They help borrowers to find a private student loan which can cover up to 100% of their school-certified cost when federal loans, scholarships, and other grants are not enough. With Credible, students have the freedom to get funding for whatever degree they are taking.

Help and Support

Live Chat




Loan Related Fees

Origination Fee

Varies by lender

Loan Application Fee

Late Fee

Student Loans at Credible

Credible Labs Inc. is definitely a place to consider when searching for the student loans. Considering the platform can connect you with rates and quotes from up to four reputable lenders at a time, Credible gives you the flexibility of comparing the best offers at your leisure. After you choose, you can finish the process quickly and entirely online. The company offers support in your search for student loans and, in turn, does not charge any fees at all. Credible also has a great reputation for customer satisfaction and is rated highly by the BBB and Trustpilot.

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Customer Comments & Reviews

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Houston, Texas
I'm buying welding tools to be able to start my career and there going to be use in class to learn how to weld with

Our Partner
9.4 / 10
  • Rates as low as 3.35% variable with Autopay
  • Live Chat Support Available
  • Free No-Obligation Service
  • Borrow up to 100% of the cost of attendance
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  • Fixed and Variable Rates Offered
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