4.5
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
CommonBond Student Loan Refinancing
Fixed rates
Lowest fixed rate available from this lender
2.39%
Variable rates
Lowest variable rate available from this lender
2.24
Min. credit score
Minimum credit score needed to qualify
680
Loan amount
Range needed to refinance with this lender
$5,000 to $500,000

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Best for:

  • Borrowers with good credit
  • Borrowers who graduated from a Title IV university or program
  • Parents who want to refinance Parent Plus loans into their child’s name

Founded in 2012, CommonBond is a company that refinances student loans for both college graduates and parents. Borrowers who refinance with CommonBond typically enjoy competitive rates and don’t have to worry about origination fees or prepayment penalties.

If you’re thinking about refinancing your student loans with CommonBond, here’s what you should know first.

In this CommonBond refinance review:

CommonBond interest rates and loan details

CommonBond student loan refinancing offers flexible repayment terms and a choice of fixed or variable interest rates on refinanced loans.



Credible rating
4.5
Fixed rates from (APR)2.16
Variable rates from (APR)2.11%
Loan amounts$5,000 to $500,000
Loan terms (years)5, 7, 10, 15, or 20
Loan types
  • Federal student loans
  • Private student loans
  • Previously consolidated loans
Min. credit score680
Min. incomeSufficient to demonstrate the ability to repay
($65,000 for 15- and 20-year products)
Residency
  • U.S. citizen, permanent residents, or H1-B, J-1, L-1, E-2, E-3 visa holder
  • Not available in MS or NV
    Transfer parent loan to child?Yes
    Cosigner releaseApplications accepted after 36 consecutive, on-time payments
    Fees
    • Late fee: 5% of the unpaid amount of the payment due or $10, whichever is less
    • Return check fee: $5 (subject to state law restrictions)
    Key benefits
    • 0.25% autopay discount
    • Up to 24 months of forbearance over the life of the loan
    • Allows parents to transfer Parent PLUS Loans to student
    EducationMust have graduated from an eligible Title IV accredited university or graduate program within CommonBond’s network
    Loan servicerFirstMark
    Best for
    • Borrowers with good credit
    • Parents who want to transfer a Parent PLUS Loan to their child
    • Borrowers who need access to forbearance

    CommonBond student loan refinance review

    If you meet CommonBond’s eligibility criteria, you can refinance $5,000 to $500,000 with a choice of fixed or variable rates. In addition to competitive rates for borrowers with good to excellent credit, CommonBond also provides:

    • Up to 24 months of forbearance: This could be especially valuable if you’re faced with financial hardship, such as losing your job.
    • Transfer PLUS Loan to student: Unlike many other refinancing lenders, CommonBond allows parents to refinance Parent PLUS Loans into their child’s name.
    • Hybrid loan option: This unique loan option comes with a fixed interest rate for the first half of the loan term and a variable interest rate for the second half, which could be helpful if you plan to pay your loan off early.

    Learn More: Strategies for Paying Off Your Student Loans Faster

    How to qualify

    To qualify for CommonBond, you’ll need to:

    • Be a U.S. citizen, permanent resident, or eligible visa holder (H1-B, J-1, L-1, E-2, or E-3)
    • Have graduated from one of 2,000 Title IV accredited universities or graduate programs within the CommonBond network

    You’ll also have to meet other eligibility criteria to qualify with CommonBond, such as credit and income requirements.

    Tip: If you’re struggling to get approved due to poor credit, applying with a cosigner who has good or excellent credit could improve your chances. Even if you don’t need a cosigner to qualify, having one might get you a lower rate than you’d get on your own.

    Keep in mind that you won’t be able to apply for CommonBond refinancing with a cosigner through Credible.

    Check Out: How to Spot Student Loan Forgiveness Scam Warning Signs

    Repayment

    Borrowers can choose between five repayment terms: five, seven, 10, 15, or 20 years. If you sign up for automatic payments, you could also get a 0.25% rate reduction. Your first payment will be due within 30 to 60 days of disbursement.

    If you applied with a cosigner, you can apply for cosigner release after making 36 consecutive, on-time monthly payments. Just keep in mind that you’ll need to meet CommonBond’s underwriting criteria on your own to qualify.

    Tip: CommonBond also offers a generous amount of forbearance — up to 24 months over the life of your loan. If you’re facing financial hardship and are struggling to make your loan payments, you can submit a forbearance application to CommonBond.

    Learn More: Student Loan Repayment Calculator: Estimate Your Payoff Date

    How CommonBond compares to other lenders

    Here’s how CommonBond compares to two of Credible’s other partner student loan refinancing lenders:



    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
    Rates from (APR)Fixed: 2.16
    Variable: 2.11%
    Fixed: -
    Variable: -
    Fixed: 2.39%
    Variable: 2.24
    Loan repayment terms (Years)5, 7, 10, 15, 205, 7, 10, 15, 205, 7, 10, 15, 20
    Loan amount$5,000 to $500,000$5,000 up to outstanding balance$10,000 to $350,000 (depending on level of education)
    Min. credit score680Does not discloseDoes not disclose
    Transfer parent loan to child?YesYesN/A
    Cosigner release?Yes, applications accepted after 36 months of consecutive paymentsNoYes, applications accepted after 36 months of consecutive payments
    Loan servicerFirstmarkMissouri Higher Education Loan Authority (MOHELA)Firstmark
    Best for
  • Borrowers with good credit
  • Parents who want to transfer Parent PLUS Loans to their child
  • Borrowers with very good to excellent credit
  • Borrowers with advanced degrees
  • Borrowers who didn’t graduate
  • Borrowers who already have an account with Citizens Bank
  • All APRs reflect autopay and loyalty discounts where available | 1Citizens Disclosures | 2College Ave Disclosures | 3 ELFI Disclosures | 4INvestEd Disclosures | 5ISL Education Lending Disclosures | 6SoFi Disclosures

    How to refinance student loans with CommonBond

    If you decide to refinance your student loans with CommonBond, follow these four steps:

    1. Check your rates. Before you apply, be sure to check what rates you qualify for with CommonBond. You can fill out the prequalification form on CommonBond’s website to see what rates are available to you. This process only requires a soft credit check, which won’t affect your score.
    2. Choose a loan option. After checking your rates, you can pick the CommonBond loan option you like best.
    3. Complete the application and submit documentation. Once you’ve chosen a loan option, you’ll need to provide more information as well as submit any required documentation. For example, you might need to provide pay stubs, tax documents, or loan statements for the loans you want to refinance.
    4. Manage your loans: If you’re approved, make sure to keep up with payments on your old loans while the refinance is processed. Afterward, you’ll begin making loan payments to CommonBond. You can also consider signing up for autopay so you won’t miss any payments in the future — this will also get you a 0.25% rate discount.

    It’s a good idea to shop around with as many refinancing lenders as possible so you can compare rates, repayment terms, and fees. This way, you can find the right loan for your needs. This is easy with Credible — you can see your prequalified rates from CommonBond and other vetted lenders in just two minutes.

    Find out if refinancing is right for you

    • Compare actual rates, not ballpark estimates – Unlock rates from multiple lenders in about 2 minutes
    • Won’t impact credit score – Checking rates on Credible won’t impact your credit score
    • Data privacy – We don’t sell your information, so you won’t get calls or emails from multiple lenders

    See Your Refinancing Options
    Credible is 100% free!


    How CommonBond can improve

    While CommonBond has several great features, there are also a few ways it could improve, such as:

    • Offering student loan refinances to borrowers who didn’t graduate: If you didn’t finish your degree, you won’t be able to refinance with CommonBond.
    • Not charging late fees: There are several other refinancing lenders who don’t charge late or returned check fees.
    • Providing services in all states: If you live in Mississippi or Nevada, you’ll have to consider other refinancing lenders.

    Check Out: Lenders That Will Refinance Student Loans Without a Degree

    Other lenders to consider

    If CommonBond doesn’t suit your needs, there are plenty of other lenders to consider. Here are Credible’s partner lenders that offer student loan refinancing:

    LenderFixed rates from (APR)Variable rates from (APR)Loan terms (years)


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

    -N/A10, 15, 20
    • Fixed APR: -
    • Variable APR: N/A
    • Min. credit score: 670
    • Loan amount: $7,500 to $500,000
    • Loan terms (years): 10, 15, 20
    • Max. undergraduate loan balance: $250,000 to $500,000
    • Time to fund: 4 months
    • Repayment options: Immediate repayment, forbearance, loans discharged upon death or disability
    • Fees: None
    • Discounts: Autopay
    • Eligibility: Must be a resident of Kentucky
    • Customer service: Phone
    • Soft credit check: No
    • Cosigner release: After 36 months
    • Loan servicer: Kentucky Higher Education Student Loan Corporation
    • Max. graduate loan balance: $250,000 to $500,000
    • Credible Review: Advantage Education Loan review
    • Offers Parent PLUS Refinancing : Yes


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

    2.15%1.87%5, 7, 10, 15, 20
    • Fixed APR: 2.15%
    • Variable APR: 1.87%
    • Min. credit score: 670
    • Loan amount: $10,000 to $400,000
    • Loan terms (years): 5, 7, 10, 15, 20
    • Repayment options: Military deferment, forbearance
    • Fees: Late fee
    • Discounts: Autopay
    • Eligibility: Must have a credit score of at least 720, a minimum income of $60,000, and must be a resident of Texas
    • Customer service: Email, phone
    • Soft credit check: Does not disclose
    • Cosigner release: No
    • Loan servicer: Firstmark Services
    • Max. Undergraduate Loan Balance: $100,000 to $149,000
    • Max. Graduate Loan Balance: $200,000 to $400,000
    • Offers Parent PLUS Refinancing: Does not disclose


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

    2.39% 2.245, 7, 10, 15, 20
    • Fixed APR: 2.39%
    • Variable APR: 2.24
    • Min. credit score: Does not disclose
    • Loan amount: $10,000 to $750,000
    • Loan terms (years): 5, 7, 10, 15, 20
    • Repayment options: Immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability
    • Fees: Late fee
    • Discounts: Autopay, loyalty
    • Eligibility: Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans
    • Customer service: Email, phone, chat
    • Soft credit check: Yes
    • Cosigner release: After 24 to 36 months
    • Loan servicer: Firstmark Services
    • Max. Undergraduate Loan Balance: $100,000 to $149,000
    • Max. Graduate Loan Balance: Less than $150,000
    • Offers Parent PLUS Refinancing: Yes


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

    2.992.945, 7, 10, 12, 15, 20
    • Fixed APR: 2.99
    • Variable APR: 2.94
    • Min. credit score: Does not disclose
    • Loan amount: $5,000 to $300,000
    • Loan terms (years): 5, 7, 10, 12, 15, 20
    • Repayment options: Military deferment, forbearance, loans discharged upon death or disability
    • Fees: Late fee
    • Discounts: Autopay
    • Eligibility: All states except for ME
    • Customer service: Email, phone, chat
    • Soft credit check: Yes
    • Cosigner release: After 24 to 36 months
    • Loan servicer: College Ave Servicing LLC
    • Max. Undergraduate Loan Balance: $100,000 to $149,000
    • Max. Graduate Loan Balance: Less than $300,000
    • Offers Parent PLUS Refinancing: Yes


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

    2.162.11%5, 7, 10, 15, 20
    • Fixed rates: 2.39%
    • Variable rates: 2.24
    • Min. credit score: 680
    • Loan amount: $5,000 to $500,000
    • Cosigner release: Yes
    • Loan terms (years): 5, 7, 10, 15, 20
    • Repayment options: Academic deferment, forbearance, loans discharged upon death or disability
    • Fees: Late fee
    • Discounts: Autopay
    • Eligibility: Available in all states, except MS and NV
    • Customer service: Email, phone, chat
    • Soft credit check: Yes
    • Loan servicer: FirstMark
    • Max. undergraduate loan balance: $500,000
    • Max. graduate loan balance: $500,000
    • Offers Parent PLUS refinancing: Yes
    • Min. income: $65,000 (for 15- and 20-year products)


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

    3.91%1.82%10, 15, 20
    • Fixed APR: 3.91%
    • Variable APR: 1.82%
    • Min. credit score: 700
    • Loan amount: $7,500 to $200,000
    • Loan terms (years): 10, 15, 20
    • Repayment options: Immediate repayment, academic deferment, forbearance, loans discharged upon death or disability
    • Fees: None
    • Discounts: Autopay
    • Eligibility: Must be a U.S. citizen or permanent resident and submit two personal references
    • Customer service: Email, phone
    • Soft credit check: Yes
    • Cosigner release: After 36 months
    • Loan servicer: Granite State Management & Resources (GSM&R)
    • Max. Undergraduate Loan Balance: $150,000 to $249,000
    • Max. Graduate Loan Balance: $150,000 to $199,000
    • Offers Parent PLUS Refinancing : Yes


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

    --5, 7, 10, 12, 15, 20
    • Fixed APR: -
    • Variable APR: -
    • Min. credit score: 680
    • Loan amount: No maximum
    • Loan terms (years): 5, 7, 10, 12, 15, 20
    • Repayment options: Forbearance
    • Fees: None
    • Discounts: None
    • Eligibility: Must be a U.S. citizen or permanent resident, have at least $15,000 in student loan debt, and have a bachelor’s degree or higher from an approved school
    • Customer service: Email, phone
    • Soft credit check: Yes
    • Cosigner release: No
    • Loan servicer: Mohela
    • Max. Undergraduate Loan Balance: No maximum
    • Max. Graduate Loan Balance: No maximum
    • Offers Parent PLUS Refinancing: Yes


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

    3.47%2.42%5, 10, 15, 20
    • Fixed APR: 3.47%
    • Variable APR: 2.42%
    • Min. credit score: 670
    • Loan amount: $5,000 to $250,000
    • Loan terms (years): 5, 10, 15, 20
    • Repayment options: Academic deferment, military deferment, forbearance
    • Fees: Late fee
    • Discounts: Autopay
    • Eligibility: Must be U.S. citizen or permanent resident
    • Customer service: Email, phone, chat
    • Soft credit check: Yes
    • Cosigner release: Yes
    • Max undergraduate loan balance: $250,000
    • Max graduate loan balance: $250,000
    • Offers Parent PLUS refinancing: Yes


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

    --7, 10, 15
    • Fixed APR: -
    • Variable APR: -
    • Min. credit score: 670
    • Loan amount: $10,000 up to the total amount
    • Loan terms (years): 7, 10, 15
    • Repayment options: Military deferment, loans discharged upon death or disability
    • Fees: None
    • Discounts: None
    • Eligibility: Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans
    • Customer service: Email, phone
    • Soft credit check: Yes
    • Cosigner release: No
    • Loan servicer: AES
    • Max. Undergraduate Loan Balance: No maximum
    • Max. Gradaute Loan Balance: No maximum
    • Offers Parent PLUS Refinancing: Yes


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

    --5, 8, 12, 15
    • Fixed APR: -
    • Variable APR: -
    • Min. credit score: 670
    • Loan amount: $7,500 to $300,000
    • Loan terms (years): 5, 8, 12, 15
    • Repayment options: Does not disclose
    • Fees: None
    • Discounts: None
    • Eligibility: Must be a U.S. citizen and have and at least $7,500 in student loans
    • Customer service: Email, phone, chat
    • Soft credit check: Yes
    • Cosigner release: After 12 months
    • Loan servicer: PenFed
    • Max. Undergraduate Loan Balance: $300,000
    • Max. Graduate Loan Balance: $300,000
    • Offers Parent PLUS Refinancing: Yes


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

    -N/A5, 10, 15
    • Fixed APR: -
    • Variable APR: N/A
    • Min. credit score: 680
    • Loan amount: $7,500 to $250,000
    • Loan terms (years): 5, 10, 15
    • Repayment options: Academic deferment, military deferment, forbearance, loans discharged upon death or disability
    • Fees: None
    • Discounts: Autopay
    • Eligibility: Available in all 50 states; must also have at least $7,500 in student loans and a minimum income of $40,000
    • Customer service: Email, phone
    • Soft credit check: Does not disclose
    • Cosigner release: No
    • Loan servicer: Rhode Island Student Loan Authority
    • Max. Undergraduate Loan Balance: $150,000 to $249,000
    • Max. Graduate Loan Balance: $200,000 to $249,000
    • Offers Parent PLUS Refinancing: Yes


    Credible Rating
    Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

    --5, 7, 10, 15, 20
    • Fixed APR: -
    • Variable APR: -
    • Min. credit score: Does not disclose
    • Loan amount: $5,000 up to the full balance
    • Loan terms (years): 5, 7, 10, 15, 20
    • Repayment options: Academic deferment, military deferment
    • Fees: None
    • Discounts: Autopay, loyalty
    • Eligibility: Available in all 50 states
    • Customer service: Email, phone, chat
    • Soft credit check: Yes
    • Cosigner release: No
    • Max undergraduate loan balance: No maximum
    • Max graduate loan balance: No maximum
    • Offers Parent PLUS refinancing: Yes
    Compare personalized rates from multiple lenders without affecting your credit score. 100% free!

    Compare Now


    All APRs reflect autopay and loyalty discounts where available | 1Citizens Disclosures | 2College Ave Disclosures | 3 ELFI Disclosures | 4INvestEd Disclosures | 5ISL Education Lending Disclosures | 6SoFi Disclosures

    Why Credible

    Our hope is that this will be a win-win situation for you and us — we only want to get paid if you find a loan that works for you, not by selling your data. This means Credible will only get paid by the lender if you finish the refinancing process and a loan is disbursed.

    Additionally, Credible charges you no fees of any kind to compare your refinancing options.

    Frequently asked questions about student loan refinancing

    Here are the answers to a few commonly asked questions regarding student loan refinancing:

    Should I refinance my student loan?

    Whether or not you should refinance student loans depends on your goals and financial situation. For example, if you have good credit and can qualify for a lower interest rate, then refinancing could be a good way to save money and potentially pay off your student loans early.

    But if you have poor credit and can’t get a better rate or more favorable terms through refinancing, then it’s probably not a good idea.

    Keep in mind: While you can refinance both federal and private student loans, refinancing federal student loans will cost you your federal benefits and protections — such as access to income-driven repayment plans and student loan forgiveness programs.

    Learn More: When to Refinance Student Loans

    What credit score do you need to refinance student loans?

    You’ll typically need good to excellent credit to qualify for refinancing. A good credit score is generally considered to be a score of 700 or above.

    Keep in mind that there are also several student loan refinance companies willing to work with borrowers who have poor or fair credit. If you have poor or fair credit, you could also consider building your credit first to qualify for refinancing in the future.

    How can I refinance my student loans with bad credit?

    You might have a harder time getting approved for refinancing if you have bad credit. However, there are some lenders that offer student loan refinancing for bad credit — though keep in mind that these loans typically come with higher interest rates compared to good credit loans.

    If you’re struggling to get approved, you could also consider applying with a cosigner to improve your chances. Having a creditworthy cosigner might also qualify you for a lower interest rate.

    Does refinancing your student loans hurt your credit?

    When you apply for refinancing, the lender will perform a hard credit check to determine your creditworthiness. This could have a slightly negative impact on your credit score — however, this is usually only temporary, and your score will likely bounce back within a few months.

    Additionally, making on-time payments on your new loan could help boost your score over time.

    Can you consolidate student loans from different lenders?

    Yes, you can consolidate student loans from multiple lenders through refinancing. The lender will request statements for each loan that you want to pay off with the refinance. If you’re approved, your old loans will be paid off, and you’ll begin making payments to the new lender.

    Check Out: Ways to Decide Which Student Loan to Pay Off First

    What is the downside to refinancing student loans?

    While there are several advantages to refinancing, there are also potential downsides to consider, such as:

    • Loss of federal protections: If you refinance federal student loans, you’ll no longer have access to federal benefits.
    • Could be hard to qualify with poor credit: If you don’t have good credit, you might struggle to get approved.
    • Lack of repayment plans: Unlike federal student loans, there aren’t many private student loan repayment options to choose from. For example, most private lenders don’t offer income-driven or extended repayment plans.

    If you decide to refinance your student loans, remember to consider as many lenders as possible to find the right loan for you. Credible makes this easy — you can compare your prequalified rates from multiple lenders in two minutes without affecting your credit.
     


    The company above is one of Credible’s approved partner lenders. Because they compete for your business through Credible, you can request rates from them by filling out a single form. Then, you can compare your available options side-by-side. Requesting rates is free, doesn’t affect your credit score, and your personal information is not shared with our partner lenders unless you see an option you like. Credible receives compensation if you close a loan with one of our partner lenders. The rates you receive and the fees you pay (if any) are not impacted by this compensation.