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 User at any time from participation in the Program if they do not comply with any of the Referral Terms or for any other reason. Please note that there are age restrictions involved in participating in the Program. The Program is not available to persons under the age of 18.

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 an employee of Credible, any of its subsidiaries, affiliates or promotional agencies. 

How to make a referral

In order to refer a friend, you must use the specific referral link provided by Credible through email (“Referral Link”). For each person that you refer who successfully refinances their student loans on the Credible Platform (through to completed funding) using your Referral Link, you will both be eligible to receive a reward of $200 sent via (“Referral Reward”). If you do not have a referral link, you may contact Credible at for a Referral Link. Referral Rewards shall be limited to one per individual referred, up to a total of 25 Referral Rewards per person making a referral. A User will not receive multiple Referral Rewards for the same friend taking out multiple loan products, nor will a User be eligible for Referral Rewards for taking out multiple loan products. All rewards are subject to verification by Credible.

Process for receiving Referral Reward

Payment of any Referral Reward shall occur via a credit to sent to the email address provided by a User. All persons seeking to claim an 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 the participants in the Program. 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 User 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 friend/colleague or other contact, you represent that you have the contact’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. Users 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. Users 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 User from participating in the Program or receiving a Referral Reward, at its sole discretion, if it determines such User 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 Users or representatives of Credible. Users 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 User and/or cancel any Referral Reward(s) if it finds a User 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 June 15, 2016.

Terms & Conditions


Call 866-540-6005 or Email