Terms & Conditions

Credible Referral Program

In addition to the Credible Terms of Use and Privacy Policy, the following Terms and Conditions (“Referral Terms”) apply to the Credible Referral Program (“Program”). By participating in the Program, you 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. Credible also reserves the right to disqualify any participant in the Program (“Participant”) at any time if they do not comply with any of the Referral Terms or for any other reason.

Program Structure and Eligibility

To be eligible to make a referral, you must be:

- A legal resident of the United States of America;

- At least 18 years of age,; and

- 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”.

In order to be a Referrer, you must use the specific referral link provided by Credible through email (“Referral Link”). For each person that you refer who successfully registers and refinances their student loans on the Credible Platform (through to completed funding) using your Referral Link, the first Referrer will be eligible to receive the reward stated in the campaign for the “Referrer” and the individual you are referring will be eligible to receive the rewards stated in the campaign for the “Referee”. Both of these rewards will be sent to the relevant Participant via (“Referral Reward”). If you do not have a referral link, you may contact Credible at for a Referral Link. Referee must use the Referral Link from commencement of the Credible refinancing process through to completion in order to be eligible for a Referral Reward. Referee must not have an existing Credible account. 

Referral Rewards shall be limited to one per Referee (with the first person referring being the eligible Referrer), up to a total of 25 Referral Rewards per Referrer. A Participant will not receive multiple Referral Rewards for referring the same individual taking out multiple loan products, nor will a Participant be eligible for Referral Rewards for taking out multiple loan products. All Referral Rewards are subject to verification by Credible. Referee must not have refinanced with Credible in the past. Individuals with multiple Credible accounts will be disqualified from participation in Referral Program. Referrer and referee cannot be the same person.

Process for receiving Referral Reward

Payment of any Referral Reward shall occur via a credit to sent to the email address provided by a Participant . All persons seeking to claim a Referral Reward must have an active email account to receive payment. Credible shall make 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 exceed $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 Program, any unredeemed Referral Rewards shall be forfeited.

Conduct, SPAM and Non-solicitation

Any Participant seeking to participate in the Program must comply with all applicable laws, regulations and guidelines, including all “SPAM” laws. You must distribute any email or make any social media post in a personal manner. By submitting the email address of a Referee or other contact, you represent that you have that person’s prior consent. Credible has a no tolerance spam policy. Any bulk email distribution or use of automated devices or third parties is strictly prohibited. Participants are strictly prohibited from soliciting for loan applications. You agree not to compensate, or accept any compensation from, individuals whom you refer to Credible through the Program. Participants who do not comply with the law, including anti-spam laws, are obligated to indemnify Credible and any other related parties against any liabilities, costs and expenses that are incurred as a results of such spam.

Fraudulent and suspicious behavior

Credible may prohibit a Participant from participating in the Program or receiving a Referral Reward, at its sole discretion, if it determines such Participant is attempting to undermine the fairness, integrity or legitimate operation of the Program in any way by cheating, hacking, deception, or any other unfair playing practices of intending to annoy, abuse, threaten or harass any other Credible Users or representatives of Credible. Participants may not enter with multiple or fake emails addresses or accounts, use fictitious identities or use any system, bot or other device to participate in the Program or receive a Referral Reward. Credible reserves the right to disqualify any Participant and/or cancel any Referral Reward(s) if it finds a Participant to be tampering with the entry process or the operation of the Program or violating these Terms and Conditions.


Your participation in the 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.

These Terms are up to date as of January 19, 2017.


Call 866-540-6005 or Email