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Referrer

For Referees refinancing loan balances under $30,000:

Participant Conduct

$200

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.


$100

Relationship

For Referees refinancing loan balances of $30,000 and over:

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’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 November 1, 2017. Referrals made prior to November 1st will not count towards the above-stated cap.

Severability

Referrer

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.

For Referees who take a personal loan

Termination

$100

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.

Referrer

These Terms and Conditions are up to date as of February 21, 2018.

Credible Referral Program Terms & Conditions

The following Referral Rewards Terms and Conditions (“Referral Terms”) apply to the Credible Referral Rewards 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, 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, 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. 

Amount of Reward(s)

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.
  • Be a registered user of Credible who has gone through the prequalification process on Credible.com, selected a lender and loan product, and submitted an application for a loan with a Credible partner lender.

Referee

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).

$100

Devices Used and Multiple Referrals

How to Make a Referral

Referee

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 register 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 support@credible.com for a Referral Link.

$100

Referral Reward Payments

Payment of any Referral Reward will occur either via a credit through Giftly.com 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 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. Failure to redeem the Reward (e.g., through Giftly or by cashing the check) within sixty (60) days of Credible sending the Reward may result in a forfeiture of the Reward, in Credible’s discretion.

Referee

Maximum Number of Referral Rewards

$1,000

Questions? 

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