Help your friends beat student debt

1st friend get $250 • 2nd friend get $750 • 3rd friend get $1,000

If you refer a 3rd friend within 30 days of your 2nd friend, you get $1,000




It doesn't stop there. Refer up to 10 friends and earn over $6,000 in rewards. So, refer away!

Earn big bonuses for multiple referrals


Refer a friend, you and your friend get $250



3 referrals = $2,000!

If you refer a 2nd friend within 30 days of your 1st friend, you get $750

What if my friend already refinanced with Credible but they want to refinance their loans again, can I still earn a Referral Reward?

A few things to note before you get started

Can I refer myself to receive the Referral Reward?

Please see our Referral Reward Terms & Conditions. Terms and Conditions are subject to change at any time. Changes will be posted to the referral rewards Terms & Conditions and will be effective upon posting.

What if I have more than 10 people to refer?

  • The friends you refer must complete a student loan refinancing through the Credible platform with a Credible partner lender.
  • The student loan(s) balance to be refinanced must be $20,000 or more.
  • Refer 1 friend, get $250 
  • Refer 2nd friend within 30 days of first referral, get $750
  • Refer 3rd friend within 30 days of 2nd referral, get $1,000
  • Then it starts over, refer 4th friend within 30 days of 3rd referral and get $250, and so on…
  • You can refer up to 10 friends for a total of $6,250 in Reward


  • You refer a friend who requests personal loan rates using the Credible platform and . they complete the loan with Credible’s lender partner and you both receive $100.


This is amazing, how does it work?

My friend didn’t use my unique referral link when filling out the pre-qualification request. Am I still eligible for a Referral Reward?

For any friend you refer who refinances a student loan balance of $20,000 or more your friend will receive $250.

Can I still earn Referral Rewards for friends who need an in-school loan?

How much does my friend get?

How do I get my Referral Reward?

What if I referred friends to Credible previously, how do my previous referrals count towards the cap of 10 referrals?

So, what happens if the first two friends I refer have a loan balance of over $20,000, but the 3rd friend I refer has a loan balance of less than $20,000?

This Referral Reward Program starts on April 4, 2017. If you referred friends previously, it will not count towards the cap of 10 referrals. 

No, you are only eligible for Referral Rewards if your friend (i) has not used the Credible platform to refinance their loans previously; and (ii) has NOT submitted a request for offer to refinance through the Credible platform within the past sixty (60) days.

To qualify for the referral rewards, make sure to refer your friends within 30 days of one another. The 30-day window starts when the friend you refer first uses your link to create their account with Credible.  

Credible has an awesome affiliate program for our best advocates. Once you hit 10, we'll reach out to discuss the best way to move forward.

Each referral must be within 30 days of the last referral.

No. Your friend must use your unique referral link to qualify as a referral.

What happens if my friend’s loan balance is under $20,000?

No, the Referral Reward Program is currently only for refinancing student loans and personal loans, not for Credible’s in-school loan platform.

Each of you receive $100 when the loan balance is under $20,000. You can earn Referral Rewards for referring up to 10 additional friends with a loan balance of less than $20,000.

No, don’t be silly! The referrer and referrer must be two different people.

Think of the Referral Reward Program as two separate programs: (1) the first is for referring friends who refinance loans with balances $20,000 and over; and (2) the second is for referring friends who refinance loans with balances under $20,000.  

Here is an example:

If all of the other criteria is met, in the above scenario, you get $250 for the 1st friend, $750 for the 2nd friend and $100 for the third friend.

If the 4th friend you refer has a loan balance of $20,000 or more then you will receive $1,000 for the 4th referral. If, on the other hand, the 4th friend you refer has a loan balance of under $20,000 then you will receive $100 for the referral. 

If you refer 10 friends with loan balances of $20,000 or more then you can earn up to $6,250 in Referral Rewards. If you refer 10 friends with loan balances under $20,000 then you can earn up to $1,000 in Referral rewards. In total, the Referral Rewards would cap out at $7,250 for a total of 20 referrals as long as the referrals are made within 30 days of one another.

You will receive an email notifying you that a friend has refinanced their student loans with Credible. Credible will issue the credit to you and the person you referred via It can take 30 business days to receive your referral reward.

-Michael and Courtney Newhall

Meet some real people who have already helped their friends

"Credible helped me refinance my loans and my wife and I got $500 each when we used their service. It was easy and saved us a bunch of money. I highly recommend their service."

-Travis Hornsby

-Daniel Green

"When my husband and I first heard about Credible's referral program, we thought it was too good to be true. It's not! With very little effort on our part, we've been able to help dozens of our friends get lower interest rates on their student loans by refinancing through Credible, which has amounted to thousands of dollars in our pocket! If you have friends with student loans, you should be taking advantage of this program!"

"The great part about Credible is that it's fast and easy to check a bunch of lenders in literally 5 minutes or less. I've had clients save the equivalent of a brand new Mercedes in the time it takes to watch one funny YouTube video. "

Ready to start helping your friends but don't have a Credible account?

Contact our referral team at