Referring friends enters you into our drawing to get your student loans paid off, up to $25,000. We'll select 1 lucky winner per month for the next 3 months, so refer now to increase your chances!

Get your student loans paid off - on us!

Plus, for each referral that results in a successfully refinanced student loan over $20,000, you and your friend will receive $250!

We will be selecting 1 lucky winner each month.  The more friends you refer, the higher your chances of winning! Check out the dates for each drawing:

Each successful referral you make during this period will count as an entry into the drawing.

September 1-30

Referral Period

December 29

Winner announced

Important Sweepstakes Dates


November 30

July 18-August 31

October 1-31

Stay tuned for winner

Stay tuned

October 31

Now Active!


Check back regularly to see if you have made the top 5!

Kristi T.

*This leaderboard reflects entrants with the most referrals but does not guarantee who will win the drawing.

Top Referrers



Brittany L.

Time remaining in the September sweepstakes

Start sharing Credible with friends now to claim a spot in the top 5!


Travis H.

Brittanie D.


Hayley T.


Refer more friends to increase your chances of winning!


Entering to win has never been so easy!


Don't worry! If your name isn't drawn, it will be in the pool for next month's drawing!

Once your friend completes our prequalification, you will be entered into the monthly drawing. Plus you'll get a $250 reward when your friend refinances a loan over $20,000.


Refer a friend to refinance with Credible using your unique referral link.

-Michael and Courtney Newhall

Meet 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, CFA

-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. "

Can I refer myself to receive the Referral Reward?

No, the student loans must be in your name.

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

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.

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

Referral Reward FAQs

How much does my friend get?

Sweepstakes FAQs

How many friends can I refer to Credible?

Don't worry! If your name isn't drawn this month, it will still be entered for the next months drawing. If you continue to refer more friends then it will increase your chances of winning next time.

You are able to refer up to 10 friends to refinance a student loan balance of $20,000, 10 friends to refinance a student loan balance of under $20,000 and 10 friends to take out a personal loan. Any referrals that you made before April 4, 2017 will not count towards the cap of 30 referrals.

No, this referral sweepstakes is only for friends you refer to refinance their student loans.

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 the person referred must be two different people.

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

How do I get my Referral Reward?

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 refinancing rates through the Credible platform within the past sixty (60) days.

What happens if my name isn't selected in the monthly drawing?

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

If I win, can I transfer the prize to a family member's student loans?

No. Your friend must use your unique referral link to qualify for the referral reward.

Can I refer friends to take out a personal loan and be entered to have my student loans paid off?

Can I still earn Referral Rewards for friends who need a private student loan?

Please see our Sweepstakes Rules.

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

Contact our referral team at