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Illustrative purposes, actual results may vary.
Prequalified rates are not a firm offer of credit
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Most likely not — the pandemic shouldn’t have any significant effect on a new loan. For example, COVID-19 will generally have no serious impact on a new:
Possibly. The COVID-19 pandemic has caused some mortgage lenders to deal with longer processing times and implement stricter loan requirements. You now may need a higher credit score, larger down payment, and lower debt-to-income ratio to qualify for a home loan.
Despite these inconveniences, the pandemic has also made certain aspects of the mortgage process more accessible. Virtual home tours have risen in popularity, as have electronic mortgage closings.
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. Not by selling your data. The way we earn money depends a bit on the product that you use, so here’s a breakdown below of how that works on Credible.
Student loans, Student loan Refinance: Credible receives compensation by 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.
Personal loans: Credible receives compensation by 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.
Mortgage (purchase and refinance): Credible receives compensation if you select a lender participating on our platform. After your review, with your permission, we will transmit the information you shared with us to your lender, enabling 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”.
Credit Cards: The credit card issuer when a Credible user applies for a credit card and is approved.
Are there lender fees?
Our student loan and student loan refinancing lenders charge no origination, prepayment, or service fees. Some personal loan lenders charge origination fees, which will be clearly displayed on your Credible dashboard if you receive rates. All of our mortgage lenders charge fees for their services and third party services, and require you to obtain third party services to close a mortgage loan that will cost you money (either at closing, or rolled into the cost of your loan).