Personal loans to get you one step ahead

Rates from 3.99% fixed APR in just 2 minutes
Checking your
rates won't affect
your credit score!
Why Credible?
  • Free to use,
    no hidden fees

    Requesting rates can take just minutes and costs you nothing.

  • One Simple Form

    Easy to fill out and your info is protected.

  • More lenders equals
    broader options

    Pick the loan option that best fits your personal needs.

  • Fast, secure and
    here for you

    Our team is here to help you reach your financial goals.

"I am finally able to live my life the way I want to enjoy it. Thank you Credible for giving me the power to own my life"
- Jim Slawnikowski, Class of 2013

Personal loans to support the moments that matter most

Debt Consolidation
Credit Card Refinancing
Wedding Expenses
Career Development
Start New Business
Home Improvement
Car Financing
Moving Expenses

Compare personal loan rates in 2 minutes.

Frequently asked questions

How quickly will I receive my funds?

Once you’ve completed your loan application, most lenders will fund your loan within one to two business days.

How much can I borrow with a personal loan?

How much you can borrow with a personal loan depends largely on your debt-to-income ratio, which is how much of your monthly income goes to paying ongoing obligations like your rent, car payment, or credit card bills. Many lenders also have minimum credit score requirements.

The upper limits for personal loans vary by lender but typically fall in the $35,000 to $50,000 range. However, lenders in the Credible marketplace offer personal loans to qualified borrowers up to $100,000.

Will checking my rates affect my credit score?

Using Credible to check your rates doesn’t affect your credit score. That's because Credible's prequalification process uses a soft credit inquiry that allows you to see personalized rates without you having to apply for a loan.

If you see an option with one of our partner lenders that you'd like to proceed with, you'll be asked to authorize a hard credit inquiry when you apply for the loan. A hard inquiry can impact your credit score by two to nine points, but typically by no more than five points.

What happens after I check my rates?

If you receive prequalified rates for a personal loan through Credible, you’ll see a dashboard providing the loan options available to you from our partner lenders.

There is no obligation to proceed with any of the options presented on your dashboard. If you see an option you like, simply select it and you’ll be prompted to complete the loan application.

What is an unsecured loan?

Most personal loans are unsecured, which means it doesn’t require you to provide collateral, such as your home or automobile, to the lender as security for repayment.

Read more: How to Get an Unsecured Personal Loan

How can I get the best rates?

Every lender has its own methods of evaluating borrowers and determining rates, so it’s a good idea to get rates from more than one lender. Generally, the shorter the loan term, the lower the interest rate offered by most lenders. Some lenders even offer an autopay discount if you authorize your monthly loan payments to be directly withdrawn from your bank account.

Credible allows you to shop for prequalified rates across a number of top lenders.

Read more: Who Are the Best Personal Loan Lenders?

Can I use personal loans for debt consolidation?

Yes. In fact, personal loans offer many debt consolidation benefits.

For example, they offer lower interest rates than credit cards, so it’s easy to reduce the overall interest you pay if you use a personal loan to consolidate your debt. Many credit cards also carry variable rates, which can cause the amount you pay in interest to fluctuate as rates change. Personal loans, however, typically offer fixed-rates which will keep your monthly payment consistent.

Read more: Best Loans for Debt Consolidation

How else can I use a personal loan?

You’re typically not limited in how you can use your personal loan funds. Personal loans can be used to pay down high-interest credit card debt, meet unexpected needs like medical bills, take care of a major expense like a new refrigerator, or fund home improvement projects.

Our Client Success Team is always here to help

Have questions? We are only a call, email or chat away.