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Actual Prequalified Rates
If it's not a real rate, it's not Credible.
No mysteries. No bait-and-switch. You see real prequalified rates for loans that are available to you with no impact to your credit score. Checking rates on Credible is 100% free.
Illustrative purposes, actual results may vary.
Prequalified rates are not a firm offer of credit
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Simple application process. Interest rate and terms better than my bank, credit union, and another lending company that I have used twice...
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I was feeling overwhelmed with loan options and deciding which one was best for me. This service gave me the confidence I needed in an easy way...
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I received a very quick response and the money was in my account the very next day. I would recommend this company to anybody.
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Consolidate credit cards and other debt to a lower rate. Or fund a home improvement, wedding, vacation, and many other financial goals.1
Refinance federal, private, and Parent PLUS loans to lower your interest rate or reduce your monthly payment.
Comparing lenders is the smart way to pay for school. Cover up to 100% of your school-certified costs after financial aid.
Compare multiple mortgage lenders in minutes. Our lenders are here to help you every step of your home buying journey.
See accurate and transparent pricing from multiple refinancing lenders in minutes. Apply online to the lender that is right for you.
Insurance is not “One Size Fits All”. Compare custom fit options to find home coverage that best suits your needs.
Kick-start your payoff strategy, optimize your payments, and find new ways to save. We’ll even calculate your chances of prequalifying.
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Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender, a bank or a credit card issuer — we partner with top financial service providers so that they can provide you with a variety of competitive options, enabling you to quickly find the right financial product for your needs. Best of all, comparing rates on Credible is completely free and won't impact your credit score!
You can find out more about our company on our About Us page.
Nope! Credible performs a "soft credit inquiry" to provide personalized prequalified rates for the loan products on our site. Soft credit inquiries do not affect your credit score.
Once you choose a loan product on your Credible Dashboard, and once you decide to move forward with a particular lender, a hard credit inquiry will be performed, which will impact your score. Likewise, if you apply for a credit card, the credit card issuer will perform a hard credit inquiry when you apply for a credit card.
With Credible’s lending marketplace, you can fill out a simple, streamlined form, and instantly see which lenders you prequalify for and at what rates. These are personalized, prequalified rates based on your credit history. Checking your prequalified rates with Credible will not affect your credit score.
Many other comparison sites will only provide you with generic information about a given financial service provider — the rates and information you see will not be specific to you and your credit history. You might be able to go to a specific lender’s website and see your personalized prequalified rates, but you’ll only be able to do this for one lender at a time.
We want this to be a “win-win” situation. So we only want to get paid if we bring you value in the form of finding a personal finance option that works for you. The way we earn money depends a bit on the product that you use, so here’s a breakdown of how that works on Credible.
For student loans and student loan refinance, Credible receives compensation from our lending partner when we help you find a product from one of our lending partners. The compensation does not impact how and where lenders appear on our site, and Credible charges charges you no fees of any sort.
For personal loans, Credible receives compensation from the lender if you finish the loan process and a loan is disbursed. The amount of our compensation does not impact how and where lenders appear on our site, and Credible charges you no fees of any sort. Some lenders may take traffic sources into account when offering credit terms.
For mortgages (purchase and refinance), after you prequalify and review and select a lender participating on our platform, we will transmit the information you shared with us to your lender, who will contact you and enable you to complete a mortgage application with them. Generally, our lenders pay us and incorporate the cost of our services as part of the final interest rate on your loan, or in your loan amount. You don’t pay anything to Credible if your loan does not close. This is common practice in mortgage transactions where you find your lender through a lender-review platform like ours, also known as a “lead generator.”