NorthWestern Financial Review


Credible Overall rating: ★★★☆☆ 3 based on 7 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

Request a Loan

Credible is a marketplace that allows consumers to compare multiple offers from different US lenders for student loans, mortgages, personal loans, student loan refinancing, and credit cards. The lenders from the Credible’s network are some of the biggest names in the industry. This is a free service, and comparing loan offers doesn’t impact your credit score. The company is based in San Francisco, California, and was founded in November, 2012. The Better Business Bureau (BBB) gives the company a rating of “A+”!

Company name Credible Operations, Inc.
Founded 2012
Address 22 4th St Fl 8 Fl 8 San Francisco, CA 94103-3131
Phone number
(866) 540-6005



  • Free to use
  • Risk-free comparison
  • Secure website
  • Simple online application
  • Real people, here to help
  • Terms from 5 to 20 years
  • Co-signed loans available
  • $300 to $5,000 loans
  • Doesn’t affect credit
  • BBB-accredited
  • Multiple repayment options
  • Comprehensive FAQ section


  • Not a direct lender
  • Not available in all states
  • Not all lenders are included
  • Not all terms and conditions are listed
  • May miss out on loan benefits

Bottom line

Credible is a nice option for consumers who want to compare multiple refinancing options and choose the best one. The service is free to use and won’t affect your credit score, but choosing a loan through this online platform could cause you to miss out on federal benefits.

Types of loans

Credible products include:

  • Refinance student loans
  • Private student loans
  • Personal loans
  • Home loans
  • Mortgage refinancing
  • Credit cards

Loan requirements

To get approved for a loan via Credible, you must:

  1. Be 18 years old or older;
  2. Be a U.S. citizen or permanent resident;
  3. Be employed and have a steady income.

If you have bad or fair credit, you can still get approved for a loan, however, you are likely to pay higher rates in this case.

Category: Online Loans

Tags: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming

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Credible Reviews

My credit is very good. I sent them all my information then SILENCE. No response! It’s been 9 days and still silence. Are you serious? Yeap, the website is easy to use but NO response in a timely manner. Well, you can try, maybe this is the place for you.
- Pamelia Jones

I am a student who has official employment, a steady income, and very good credit. They rejected me with no explanation. I spent a huge amount of time filling out the massive amount of documentation needed, only to be rejected. Do not use this company!
- Jackie Cecil

The company respects their clients and treats you like you’re a real person. I love this approach. They are caring, knowledgeable, patient, friendly. The entire process was easy and short. A staff representative was able to answer every question I asked. I love Credible because they understand my needs and really make difference. Great job! Found a loan offer with reasonable interest rates.
- Stephanie Anderson

Applied through Credible and they only gave me ONE option. They promise that they find multiple lenders so you can compare and choose. When I contacted them, their representative said please try again in 30 days!!! Nonsense.
- Kendall Addington

Even though I have a good credit score and official employment, it was almost impossible to find a loan at a reasonable rate. This company found me a nice option, the process was quick and hassle-free.
- Michael Anderson

If you are looking for a home-refinance, stay away from Credible loans!!! If you are self-employed, it is almost impossible to get approved. After nearly 10 years with a regular income, good credit scores, 15 pieces of information to verify income, I got rejected. Don’t be seduced by their low rates advertised. Total waste of time.
- Pete Mathis

The company is great and the best I have ever tried. My experience is amazing. I can recommend it to all people. Best service.
- James Bailey

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