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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.

Student
Loans

Prequalified rates

  • Rates from up to 8 lenders
  • College, graduate, and professional degrees
    eligible
Learn more
Student Loans

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who is starting the form?

Student Loan Refinancing

Prequalified rates

  • Rates from up to 10 lenders
  • Refinance federal, private, and Parent PLUS loans
  • No prepayment penalties
Learn more
Personal
Loans

Prequalified rates

  • Rates from up to 11 lenders
  • Consolidate credit cards or
    finance moving, home,
    medical, or other expenses
Learn more
Personal Loans

Before we get started,
how much would you like to borrow?

Checking rates won't impact
your credit score
Rated 9.5/10 based on 2,000+ reviews
Featured in
How Credible works

Credible is an online marketplace that provides borrowers with competitive, personalized loan offers from multiple, vetted lenders in real time.

  • One Simple Form

    Easy to fill out and your info is protected.

  • Get Personalized Rates

    Real rates - not ranges - from multiple lenders in 2 minutes.

  • Choose Your Option

    Our expert Client Success Team is here to help you along the way.

refinance student loans

  • Refinance federal, private and ParentPLUS loans
  • Lower your interest rate or reduce your monthly payment
  • Compare prequalified rates from up to 10 vetted lenders in 2 minutes
FIND MY RATELearn more

private student loans

  • Private loans for college, graduate and professional degrees
  • Cover up to 100% of your school-certified costs after financial aid
  • Flexible repayments: deferred, interest only, and many others for all financial needs
FIND MY RATELearn more

personal loans

  • Personalized rates from up to 11 vetted lenders in 2 minutes
  • Consolidate credit cards or other debt to a lower rate
  • Loans for life: home improvement, moving costs, wedding expenses, vacations and many other financial goals.
FIND MY RATELearn more

credit cards NEW!

  • Cards for rewards, balance transfer, cash back, travel, big purchases, and students
  • Estimate a card’s rewards value based on your spend
  • Read unbiased card reviews and learn insider tips
COMPARE CARDSLearn more
Compare comprehensive options
from our partner lenders
  • Student Loan Refinancing
  • Private Student Loan
  • Personal Loan
Advantage
Education Loans
Rates from (APR)
Fixed: 4.54%
Loan term

10, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

Brazos
Rates from (APR)
Fixed: 3.90%Variable: 3.21%
Loan term

5, 7, 10, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

Citizens Bank
Rates from (APR)
Fixed: 3.45%1Variable: 2.46%1
Loan term

5, 7, 10, 15, 20 yrs1

Eligible degrees

Undergrad & Graduate

College Ave
Rates from (APR)
Fixed: 3.54%2Variable: 2.74%2
Loan term

5 - 20 yrs2

Eligible degrees

Undergrad & Graduate

EDvestinU
Rates from (APR)
Fixed: 4.93%Variable: 5.10%
Loan term

10, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

ELFI
Rates from (APR)
Fixed: 3.29%3Variable: 2.80%3
Loan term

5, 7, 10, 15, 20 yrs3

Eligible degrees

Undergrad & Graduate

MEFA
Rates from (APR)
Fixed: 3.85%Variable: 3.78%
Loan term

7, 10, 15 yrs

Eligible degrees

Undergrad & Graduate

PenFed
Rates from (APR)
Fixed: 3.48%Variable: 2.86%
Loan term

5, 8, 12, 15 yrs

Eligible degrees

Undergrad & Graduate

RISLA
Rates from (APR)
Fixed: 3.49%
Loan term

5, 10, 15 yrs

Eligible degrees

Undergrad & Graduate

SoFi
Rates from (APR)
Fixed: 3.49%4Variable: 2.37%4
Loan term

5, 7, 10, 15, 20 yrs4

Eligible degrees

Undergrad & Graduate

Get personalized rates from multiple lenders in 2 minutes
See My RatesChecking rates won't affect your credit
All APRs reflect autopay and loyalty discounts where available
Citizens Bank Disclosures
1
College Ave Disclosures2
ELFI Disclosures3
SoFi Disclosures4
Ascent
Rates from (APR)
Fixed: 4.22%Variable: 3.71%
Loan term

5, 10, 15 yrs

Eligible degrees

Undergrad & Graduate

Citizens Bank
Rates from (APR)
Fixed: 4.40%5Variable: 3.29%5
Loan term

5, 10, 15 yrs5

Eligible degrees

Undergrad & Graduate

College Ave
Rates from (APR)
Fixed: 4.72%6Variable: 3.96%6
Loan term

5, 8, 10, and 15 yrs8

Eligible degrees

Undergrad & Graduate

Discover
Student Loans
Rates from (APR)
Fixed: 5.09% APR - 12.99% APR12
Variable: 3.72% APR - 11.87% APR12
Loan term

15, 20 yrs12

Eligible degrees

Undergrad & Graduate

EDvestinU
Rates from (APR)
Fixed: 4.50%Variable: 4.22%
Loan term

7, 10, 12, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

INvestEd
Rates from (APR)
Fixed: 4.63%Variable: 3.70%
Loan term

5 - 15 yrs

Eligible degrees

Undergrad & Graduate

MEFA
Rates from (APR)
Fixed: 3.95%
Loan term

10, 15 yrs

Eligible degrees

Undergrad & Graduate

Sallie Mae
Rates from (APR)
Fixed: 4.74% APR - 11.35% APR9
Variable: 3.37% APR - 10.75% APR9
Loan term

5 - 15 yrs10

Eligible degrees

Undergrad & Graduate

SunTrust
Rates from (APR)
Fixed: 3.82% APR - 11.05% APR11
Variable: 3.14% APR - 10.68% APR11
Loan term

7, 10, 15 yrs11

Eligible degrees

Undergrad & Graduate

Get personalized rates from multiple lenders in 2 minutes
See My RatesChecking rates won't affect your credit
All APRs reflect autopay and loyalty discounts where available
Citizens Bank Disclosures
5
College Ave Disclosures6,8
Discover Disclosures12
Sallie Mae Disclosures9,10
SunTrust Bank Disclosures11
Avant
Rates from (APR)
9.95% - 35.99%
Loan term

2 - 5 yrs

Loan amount

Up to $35000

Best Egg
Rates from (APR)
5.99% - 29.99%
Loan term

3, 5 yrs

Loan amount

Up to $35000

FreedomPlus
Rates from (APR)
5.99% - 29.99%
Loan term

Up to 5 yrs

Loan amount

Up to $35000

LendingClub
Rates from (APR)
6.95% - 35.89%
Loan term

3, 5 yrs

Loan amount

Up to $40000

LendingPoint
Rates from (APR)
15.49% - 34.99%
Loan term

2 - 4 yrs

Loan amount

Up to $25000

LightStream
Rates from (APR)
3.99% - 16.99%
Loan term

2 - 7 yrs

Loan amount

Up to $100000

Marcus
by Goldman Sachs
Rates from (APR)
5.99% - 28.99%
Loan term

3 - 6 yrs

Loan amount

Up to $40000

Payoff
Rates from (APR)
5.99% - 24.99%
Loan term

2 - 5 yrs

Loan amount

Up to $35000

Prosper
Rates from (APR)
6.95% - 35.99%
Loan term

3, 5 yrs

Loan amount

Up to $35000

Upgrade
Rates from (APR)
7.99% - 35.89%
Loan term

3, 5 yrs

Loan amount

Up to $50000

Upstart
Rates from (APR)
8.09% - 35.99%
Loan term

3, 5 yrs

Loan amount

Up to $50000

Get personalized rates from multiple lenders in 2 minutes
See My RatesChecking rates won't affect your credit
All APRs reflect autopay and loyalty discounts where available
LightStream payment example
Customers rate us 9.5/10
Credible in the news

Refinancing through Credible, Colleen cut her federal
student loan interest rates that ranged between
6-8% down to 4.5%, saving $12,000
over the life of her loan.

Now let us help you. Get started today.
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