Compare student loan refinancing options from multiple lenders with Credible

Receive student loan refinancing rates and get up to a $750* Maximizing Money Bonus when you complete your refinancing.

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

Safe and secure - no sharing of your personal data.

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.

Fill out a quick simple form (2 mins)

One form to access options from top lenders

Checking your rates won’t affect your credit score

Your information is not shared with lenders at this point

For illustrative purposes only, actual results may vary.

Choose an option you like (2 mins)

Easily compare your prequalified options in one place

Use our comprehensive tools to quickly find a plan for you

Get actual rates based on your credit profile, no ranges or estimates

30 second quick request makes the process a breeze

For illustrative purposes only, actual results may vary.

Provide your loan details (3 mins)

Use our automated tool to easily import your loan information

Provide some additional details about yourself

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

Get your finalized offer in 1 business day

For illustrative purposes only, actual results may vary.

Join thousands of others who have already saved by refinancing
Customers rate us 4.8/5

Our Client Success Team is always here to help

Have any questions? We are only a call, email, or chat away.

Call us at 866-540-6005

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* Limited time offer: In order to qualify for the $750 bonus, the amount refinanced must be equal to or more than $100,000. Borrowers who refinance a balance below $100,000, will receive a $300 bonus. Bonus is paid via e-giftcard.

*Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.

*Student Loan Refinancing Rate and Terms Disclosure: The lenders on the Credible.com platform offer fixed rates ranging from 4.90% - 11.83% (4.90% - 11.83% APR). Variable interest rates offered by the lenders on Credible.com range from 5.28% - 14.51% (5.28% - 14.51% APR). Variable rates will fluctuate over the term of the borrower's loan with changes in the Index rate. The Index will be either LIBOR, SOFR, or the Prime Rate of interest as published in the Wall Street Journal (WSJ). The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Rates are subject to change at any time without notice. Your actual rate may be different from the rates advertised and/or shown above and will be based on factors such as the term of your loan, your financial history (including your cosigner’s (if any) financial history) and the degree you are in the process of achieving or have achieved. While not always the case, lower rates typically require creditworthy applicants with creditworthy co-signers, graduate degrees, and shorter repayment terms (terms vary by lender and can range from 5-20 years) and include loyalty and Automatic Payment discounts, where applicable. Loyalty and Automatic Payment discount requirements as well as Lender terms and conditions will vary by lender and therefore, reading each lender’s disclosures is important. Additionally, lenders may have loan minimum and maximum requirements, degree requirements, educational institution requirements, citizenship and residency requirements as well as other lender-specific requirements.