See rates from top lenders!

See actual rates that you prequalify for in under 2 minutes

get-started

Checking rates won’t affect your credit score

No Spam

Multiple lenders on Credible

a-pink-ovala-gold-ovala-teal-oval

More information below

Frequently Asked Questions

What is Credible?

Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender — we partner with the best financial service providers so that they can provide you with a variety of competitive options, enabling you to find the right financial product for your needs.

How does Credible work?

With Credible’s lending marketplace, you can fill out a simple, two-minute form, and instantly see which lenders you qualify for and at what rates. These are personalized, prequalified rates based on your credit history. Checking your prequalified rates with Credible will not affect your credit score.

Most other comparison sites will only provide you with generic information about a given financial service provider — the rates and information you see will not be specific to you and your credit history. You might be able to go to a specific lender’s website and see your personalized prequalified rates, but you’ll only be able to do this for one lender at a time.

Will checking my rates affect my credit score?

Using Credible to check your rates doesn’t affect your credit score. Here's how it works: Credible's prequalification process uses a soft credit inquiry that allows you to see personalized prequalified rates.

There is no obligation to proceed with any of the loan options presented on your dashboard, but if you see a loan option with one of our partner lenders that you'd like to proceed with, you'll be asked to authorize a hard credit check when you apply for an unsecured personal loan. A hard inquiry can impact your credit score by two to nine points, but typically by no more than five.

What are the eligibility factors for personal loans?

Each lender has their own set requirements to qualify for a personal loan. But the personal information they typically look for are borrowers who are 18 or older, U.S. citizens or permanent residents with a valid Social Security number, have a steady income, and those who have a good credit history.

bottom-semi-circle