About Credible’s products (Notice: Links below lead to Credible’s website(s))Credible offers users the ability to compare personalized prequalified rates from multiple lenders across multiple products, such as:Personal LoansStudent Loan RefinancePrivate Student LoansInsuranceCredible is different from other marketplaces and other mortgage brokers. Here’s how:You’ll receive personalized prequalified rates. 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.Your credit score is not impacted.* Credible performs a soft credit inquiry to provide personalized prequalified rates for the loan products on our site. Soft credit inquiries do not affect your credit score. Safe and secure: Your data is encrypted and protected using transport layer security (TLS), the same protocols top banks and financial institutions use. And we don’t share your contact information with lending companies without your permission. Read more about Security at Credible.Checking prequalified rates with Credible is free and our dashboard allows consumers to see important loan details, including monthly payment and total repayment costs, and sort as they prefer.Insurance-related services are provided through Credible Insurance, Inc. (CA Lic. # 0M90597), VA: Credible Insurance Agency, Inc., MN SOS: Credible Cover, Inc.. Not available in all states.*Checking rates on Credible will not impact your credit score. If you close a loan, your chosen provider or ultimate lender may perform a hard credit pull that may impact your credit score prior to loan closing (timing varies by provider).
Written by the business, not verified by us.
Is Credible legit?
Credible (www.credible.com) has a 4.8 out of 5 rating on OK.one, based on 201 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 96% rating it 4 stars or higher; The business has replied to 100% of negative reviews; Reviews mostly discuss User experience, Price. Last updated 2026-08-12.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the platform for making it remarkably simple and quick to compare different loan offers, review payment terms upfront, and secure lower interest rates. Consumers consistently note that the application process is extremely fast, with funds often being successfully deposited into accounts within just a single day or two.
However, some customers also noted that specific loan fees can sometimes feel excessive or much higher than initially anticipated depending on the lender. A few reviewers additionally mentioned that final interest rates occasionally changed significantly during closing when compared directly to their initial quotes.
Auto-generated from all reviews of this business. For reference only.
They were up front with me all the way. But I was still scared even though I did my homework. Everything went great like a well oiled machine. It's a huge relief. Only thing that I would like is the option to cut down on the loan time if you want. I really appreciate the several options they provided. The application is not hard and though the process was unfamiliar it went off without a hitch even though I thought about it for a day and delayed making sure of my decision. I was impressed with the security of the camera and system. They did it right 👍. Everything went like clockwork. The payment was on time and I paid everything off easily. Thank you.
Highly recommend! After spending countless hours searching for a bank that could help improve my financial situation, I was feeling discouraged. I spoke with numerous banks, but none seemed willing to work with me or offer a solution that truly fit my needs. Thankfully, I found Credible, and the experience completely changed things. The process was simple, straightforward, and incredibly fast. Through their platform, I was matched with HAPPEN BANK, which provided me with a loan that allowed me to get out of a huge debt into a much more manageable payment. The application process was seamless, communication was excellent, and the funds were deposited quickly. I couldn't be happier with the outcome. I'm even working toward paying the loan off faster because of how much this has helped me financially. If you're feeling overwhelmed by high-interest debt, I highly recommend exploring Credible. They helped connect me with a lender that gave me a practical solution when I needed it most. It's a reminder that there are excellent financial institutions beyond the largest banks, and it's worth shopping around to find the one that's right for you.
I was recommended to this company after applying for a loan with upgrade. After the soft pull I was sent a letter by a bank called webbank that stated I was denied and to check with credible. I applied with credible and several lenders made no offers to me only one company called accredited debt relief. This company is not a bank and uses debt consolidation word to create a illusion you can still receive a loan. Out of all the lenders credible does business with a debt relief company is the only one responding. This is a common problem now because with debt relief you don't need a company to what you can for free . That's asking for lower interest rates. In my opinion this company is responsible because if I received a loan I would praise them and if not thier failure.
Reply from Credible2026-06-30
Hi Dwayne,
We appreciate you taking the time to share your feedback. User insights are vital as we work to improve the Credible experience.
Credible is an online marketplace that lets you compare prequalified rates from several lenders at once for products such as personal, student, and mortgage loans. As an online marketplace, we partner with multiple lenders and allow our users to view personalized options based on information entered into a short pre-qualification form.
To determine rate options, our partner lenders evaluate a combination of credit and non-credit factors. Credit profiles are accessed with a soft credit inquiry, which has no impact on the score. In instances where our partner lenders cannot offer a direct option, we may recommend alternative paths for users to consider.
We value customer feedback, and we certainly appreciate yours. If you have any questions or anything else you'd like to share with us, please do not hesitate to reach out. Our Client Success Team is available Monday through Friday, 9 am to 7 pm ET, via phone at 866-540-6005 or through email at [email protected].
Was able to provide a number of lenders with great offers. Easy to navigate the website and answer basic questions. Voila! Offers! Easy and effectively efficient.
The best ever, use and trust only that loan company or marketplace! Excellent, highly efficient place with great loan companies as client possibilities. If you don’t get a loan here, You’re in trouble, always recommend!
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