Credible Referral Program Terms & Conditions

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:

  • Referrers are prohibited from soliciting loan applications. 
  • Referrers are prohibited from using bulk email distribution, automated devices (e.g., bots), SPAM or third parties to make a Referral.
  • Referrers and Referees 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).
  • Referrers and Referees may not abuse, harass or threaten other Referrers and Referees, 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. 
  • As a Referee, by participating in the Referral Program you agree that Credible may share the status of your loan request with the Referrer.  
  • 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.

The following Referral Program 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 these Referral Terms as well as Credible’s Terms of Service and Privacy Policy. Capitalized terms, unless defined herein, shall take their meaning from the Terms of Service and Privacy Policy. Credible reserves the right to modify or amend the Referral Terms, and the methods through which rewards are earned or paid, 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 (or the age of majority in your State of residence);
  • Be a registered user of Credible who has gone through the prequalification process on, selected a lender and loan product, and submitted an application for a loan with a Credible partner lender.

The Referee must start their refinancing or personal loan request through Credible using the same internet browser and device they used to click the referral link. Referral Rewards are limited to one per Referee (meaning one Reward for a student loan refinancing and one Reward for a personal loan). In the event that a borrower clicks multiple referral links, the referral credit will be attributed to the unique referral link that was clicked first. A Referrer may only receive Referral Rewards once per Referee (meaning once for a student loan refinancing and once for a personal loan).

Devices Used and Multiple Referrals

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 that Referrer received from Credible (“Referral Link”) to the Referee; (ii) the Referee must use the Referral Link to make their refinancing request or their personal loan request with Credible; (iii) the Referee must not have completed a request for refinancing or personal loan offers with Credible in the sixty (60) days prior to submitting their refinancing or personal loan request using the Referral Link; (iv) the Referee must not have refinanced a loan or obtained a personal loan through use of Credible previously; and (v) the Referee’s loan must be completed through funding and not later cancelled.  

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

Referral Reward Payments

Payment of any Referral Reward will occur through sent to the email address provided by Referrer or Referee, as applicable, or by any other means determined by Credible. 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 one calendar year exceeds $599 USD (or then applicable requirements), 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 will be forfeited. Failure to redeem the Reward (e.g., through Tango Card) within sixty (60) days of Credible sending the Reward may result in a forfeiture of the Reward, in Credible’s discretion.

Maximum Number of Referral Rewards

The Referrer’s Referral Rewards are limited to the following Rewards cap: (1) up to 5 Valid Referrals who refinance a student loan balance of $30,000 or more; (2) up to 5 Valid Referrals who refinance a student loan balance of less than $30,000; and (3) up to 5 Valid Referrals who take out a personal loan. This Referral Reward Program begins on September 20, 2019. Referrals made prior to September 20, 2019 will be subject to the Terms and Conditions in effect at the time the Referral link was clicked. 

Amount of Reward(s)

For Referees refinancing loan balances less than $30,000:



$100 gift card

$100 gift card

For Referees who take a personal loan:



$100 gift card

$100 gift card

For Referees refinancing loan balances of $30,000 or more:



$200 gift card

$500 gift card

Unless otherwise stated on the landing page or email for the referral promotion that you received, Credible's Reward amounts payable are as follows:


Call 866-540-6005 or Email