2020 Review 2020 Review

Credible Operations, Inc., or simply Credible, is a San Francisco based online marketplace that aims to bring simplicity, choice, and unbiased loan options. They act as brokers to provide support for people making life’s critical financial choices. Through its vast network, Credible gives borrowers competitive and personalized loan options in real-time.

Founded in 2012, Credible brands itself as a young player with expert leaders that has decades of experience in the field of finance, technology, and marketing. All of them with a huge desire to give exceptional service to its consumer to improve their financial future.

Credible can be accessed through their website Registration to the services of Credible is simple. You may use your google account to create an account in Credible. You may also use any email account to register. Once you decide to get a loan, you will only need to fill up a simple form. All details on the form are secured. Once completed and submitted to Credible, you will get a personalized rate in just 2 minutes. Take note, Credible provides real rates, not ranges, from multiple lenders. Thus, you can decide fully without worrying about hidden charges.

Credible is ideal when you would like to compare different personalized loan offers at once. This will eliminate the stress of going through the loan inquiry repeatedly in search of reasonable rates. Interested consumers may avail of the loan options that credible offers such as Refinanced Student Loans, Private Student Loans, and Personal Loans, Mortgage or Housing loans, and credit cards.  Refinanced Student Loans can be used to refinance your existing federal, private, and ParentPLUS loans. You can lower your interest rates or even reduce your monthly payments.

Moreover, Private Student Loans can be used for college, graduate, and professional degrees. It can cover up to 100% of your school-certified expenses (excluding financial aids). You may opt for deferred payment or interest-only payment options.

If you need additional funds for your wedding, home improvement, vacations, or other financial needs, Personal Loans can be availed on Credible.

Credible also offers Mortgage loans. In just 3 minutes, you can get actual rates without reflecting on your credit scores. Lastly, Credible also provides Credit Card options for you to review before subscribing. This ensures you get the best-valued credit card according to your usage or preference. Furthermore, Credible provides relevant information for you to decide which loan option is suitable for your financial needs. Below is the summary of the loan information that Credible offers. Credible makes sure that your information is not accessible to anyone except those that you gave authorization to. Their service is completely free of charge. Like any other broker, they get a broker fee once you got an approved loan from any of their partners. 2020 Review A Quick Snapshot

Loans OfferedStudent Loans, Refinancing, Personal Loans, Home or Mortgage Loans
Minimum/Maximum Amounts$1000 to $100,000
Eligibility/Credit ScoreMinimum of 640 credit score
APR3.99% - 35.99% (fixed)
FeesNo Prepayment fees on personal loans. Credible is a broker and not a banking institution.
Timeline For ApprovalAs fast as 1 business day.
How Secure Are they?
256-bit Encryption and SSL Technology


  • Highly Competitive Rates from Partner lenders
  • Fast Approval
  • Service is free of charge
  • A single application for multiple lenders
  • High loanable Amount
  • Fast Loan release (within 1 to 2 business days)
  • Responsive Customer Support via their Client Success Team
  • Safe and Secure using 256-bit encryption and SSL Technology
  • Flexible loan terms
  • Wide range of loan types


  • Only qualifies to US residents
  • Frequent calls from Multiple Partner lenders
  • Limited Selection of Lenders
  • Some Partner Lenders charge fees to borrow
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  • APR RateVaries
  • APR Rate6% - 35.99%
  • APR Rate99% -199%
  • APR RateN/A
  • APR Rate5.99% - 35.99%
  • APR Rate17.6% - 52.14%
  • APR Rate1.0 - 2.5%
  • APR Rate5.99% - 19.07%
  • APR Rate5.99% - 35.99%
  • APR Rate3.99% - 35.99% (fixed)
  • APR Rate5.99% - 35.99%