Credible Referral Program Terms & Conditions

The following Terms and Conditions (“Referral Terms”) apply to the Credible Referral Program (“Referral Program”). By participating in the Referral Program, you (“You” or Participant”) represent and warrant that you have read and agree to be bound by the Referral Terms, Terms of Use and Privacy Policy. Capitalized terms, unless defined herein, shall take their meaning from the Terms of Use and Privacy Policy. Credible reserves the right to modify or amend the Referral Terms, and the methods through which rewards are earned, at any time without prior notice. If we amend these terms, we will post the modification on the website, which Referral Terms are effective upon posting. Continued participation in the Referral Program after any amendment will constitute consent to such Referral Terms.  

Referral Program Eligibility

To be eligible to make a referral, you must:

  • Be a legal resident of the United States of America;
  • Be at least 18 years of age;
  • Not be a subsidiary, affiliate or promotional agency of Credible.

How to Make a Referral

For the purposes of these Referral Terms, the person making a referral shall be the “Referrer” and the person being referred shall be the “Referee”. The Referrer and Referee cannot be the same person.

To make a valid referral: (i) the Referrer must send the Referral Link Referrer received from Credible via email (“Referral Link”) to the Referee; (ii) the Referee must use the Referral Link to (a) register their refinancing request with Credible; and (b) refinance their student loan using the Credible Service from commencement through completion; (iii) the Referee must not have completed a request for refinancing offers with Credible in the sixty (60) days prior to submitting their refinancing request using a Referral Link; and (iv) the Referee’s loan must be completed through funding.   

If you do not have a Referral Link, you may contact Credible at for a Referral Link. 

Multiple Referrals

Referral Rewards are limited to one per Referee. The first person referring the Referee will be deemed the eligible Referrer. A Referrer may only receive Referral Rewards once per Referee regardless of the number of loan products completed through funding by the Referee.  

Redeeming Referral Reward(s)

The amount of the Referral Reward for the Referrer and Referee will be as advertised at the time the Referral Link is created by the Referrer. Payment of any Referral Reward will occur via a credit to sent to the email address provided by Participant, or as agreed between Participant and Credible. All persons seeking to claim a Referral Reward must have an active email account to receive payment. Credible will use reasonable efforts to make payment of any Referral Reward within thirty (30) days of loan completion notification from a Provider. All federal, state and local taxes and duties are the sole responsibility of Participants. If the cumulative Reward paid to a Participant in a one calendar year exceeds $599 USD, then a form W-9 may be required to be completed prior to funds disbursement. Payments may not be transferred or substituted. Upon cancellation of the Referral Program, any unredeemed Referral Rewards shall be forfeited.

Participant Conduct

Any Participant seeking to participate in the Referral Program must comply with all applicable laws, regulations and policies, including but not limited to the following:

  • Participants are prohibited from soliciting loan applications. 
  • Participants are prohibited from using bulk email distribution, automated devices (e.g., bots), SPAM or third parties to make a Referral.
  • Participants may not engage in any act or conduct that Credible believes to be unfair or deceptive (e.g., hacking, use of fake email addresses or accounts, use of fictitious identities).
  • Participants may not abuse, harass or threaten other Participants, Credible Users or representatives of Credible.
  • All email or social media posts must be made in a personal manner, not on behalf of Credible. 
  • By submitting the email address of a Referee or other contact, you represent that you have that person’s prior consent. 
  • You must not compensate, or accept any form of compensation from, individuals whom you refer to Credible through the Referral Program.    


Your participation in the Referral Program is solely as an independent contractor. Neither you nor Credible intend to establish an employment relationship and you are not entitled to any benefits.


If any provision in these terms are held to be invalid, void, or unenforceable, such provision (or the part of it that is making it invalid, void or unenforceable) will be struck and not affect the validity of and enforceability of the remaining provisions.


Credible may suspend or terminate the Referral Program or a Participant’s ability to participate in the Referral Program at any time and for any reason.  

Credible reserves the right to review and investigate all referral activity and suspend or terminate Credible Accounts, disqualify Participants and/or cancel Referral Awards if Credible believes Participant has violated any law, regulation or policy.

These Terms and Conditions are up to date as of February 15, 2017.


Call 866-540-6005 or Email