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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).

**The Referrer is only eligible to receive Referral Rewards for referring 10 friends under this payment structure. This Referral Reward Program begins on April 4, 2017. Referrals made prior to April 4th will not count towards the 10 referral cap per Referrer.

Participant Conduct

The amount of the Referral Reward for the Referrer and Referee will be as follows:


For Referees refinancing loan balances that are $20,000 and over:

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. 
  • You must not compensate, or accept any form of compensation from, individuals whom you refer to Credible through the Referral Program.


****The Referrer is only eligible to receive Referral Rewards for referring 10 friends under this payment structure. This Referral Reward Program begins on May 3, 2017.

Relationship

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 (“Referral Link”) to the Referee; (ii) the Referee must use the Referral Link to (a) register their refinancing request or their personal loan request with Credible; and (b) complete the process using the Credible Service from commencement through completion; (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 a 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 support@credible.com for a Referral Link.

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.

*The Referrer is only eligible to receive Referral Rewards for referring 10 friends under this payment structure. This Referral Reward Program begins on April 4, 2017. Referrals made prior to April 4th will not count towards the 10 referral cap per Referrer.


For Referees refinancing loan balances under $20,000:

Severability

Payment of any Referral Reward will occur via a credit to Giftly.com sent to the email address provided by Referrer or Referee, as applicable, or as agreed between Referrer or Referee 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 will be forfeited.


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 Referral Program Terms & Conditions

Termination

Devices Used and Multiple Referrals

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.


Redeeming Referral Reward(s)

These Terms and Conditions are up to date as of May 2, 2017.

The following Referral Reward Terms and Conditions (“Referral Terms”) apply to the Credible Referral Reward 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 Credible.com 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

Referral Reward Payments

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.
  • Be a registered user of Credible

***Once your referral completes a loan refinancing, you have 30 days to refer your next friend to qualify for the increased reward.


For Personal Loans:

How to Make a Referral

Questions? 

Call 866-540-6005 or Email support@credible.com