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Credible personal loans review

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Loans up to $100,000 — but from a limited selection of lenders.’s rating: 4.34 / 5.0


  • Best for comparing multiple lenders that offer low rates and loans up to $100,000.
  • Pick something else if you don’t want to receive phone calls from multiple lenders.


Max. Loan Amount

3.99% to 35.99%


Fair to excellent credit

Min. Credit Score


Product NameCredible Personal Loans
Min. Loan Amount$1,000
Max. Loan Amount$100,000
APR3.99% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreFair to excellent credit
Minimum Loan Term2 years
Maximum Loan Term7 years
Turnaround TimeAs few as 1 business day(s)
Go to Credible Labs Inc.'s website

Expert review

Aliyyah Camp

Review by

Aliyyah Camp is a writer and personal finance blogger who helps readers compare personal, student, car and business loans. Aliyyah earned a BA in communication from the University of Pennsylvania and is based in New York, where she enjoys movies and running outdoors.

Expert review

Credible is ideal if you’d like to compare several personalized loan offers at once to avoid some of the stress of hunting for a good loan. Its network of lenders work with a broad range of credit scores and offer high amounts with competitive rates. And it’s relatively fast — you might receive your funds in one to two business days after approval.

But it can be somewhat limiting because of the small size of its network. And former users have complained of multiple phones calls from lenders after providing their contact information.

Rather work with a lender directly? Compare personal loan providers below.

Am I eligible?

Before you fill out its online form, make sure you meet the following requirements:

  • Have fair credit or better, typically 640+
  • A checking account in your name
  • American citizen or a permanent resident of the United States


  • One form, multiple lenders
  • May receive funds within one to two business days
  • No cost to get connected


  • Limited selection of lenders
  • May receive multiple calls from lenders
  • Some affiliate lenders charge fees to borrow

Case study: Rhys’ experience

profile pic

Rhys Subitch

Credible really helped save my bacon. I put off doing my taxes to deal with moving and was hit with the unfortunate surprise that I needed to pay $1,500 more than was originally estimated. Given it was less than a week before tax day, I quickly started sorting through my options and came to the decision that a personal loan would be the easiest to deal with.

To avoid taking even more time checking if I prequalified for a personal loan one lender at a time, I used Credible. It’s how I found a loan in the right amount, at a rate I could manage and with a lender that doesn’t charge early payoff fees. I applied for the loan the same night, was approved and saw the funds hit my account two days later.

Compare other personal loan providers

Updated March 30th, 2020
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
Credible Personal Loans
3.99% to 35.99%
Fair to excellent credit
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Fiona Personal Loans
4.99% to 35.99%
Good to excellent credit
Get loan offers from multiple lenders at once without affecting your credit score.
Monevo Personal Loans
3.49% to 35.99%
Quickly compare multiple online lenders with competitive rates depending on your credit.
Even Financial Personal Loans
4.99% to 35.99%
Get connected to competitive loan offers instantly from top online consumer lenders.
Upgrade Personal Loans
6.98% to 35.89%
Affordable loans with two simple repayment terms and no prepayment penalties.
PenFed Credit Union Personal Loans
6.49% to 17.99%
With over 80 years of lending experience, this credit union offers personal loans for a variety of expenses.
SoFi Personal Loans
5.99% to 18.64%
A highly-rated lender with competitive rates, high loan amounts and no fees.

Compare up to 4 providers

What do customers say about Credible?

BBB accreditedYes
BBB ratingA+
BBB customer reviews4 out of 5 stars, based on 4 customer reviews
Trustpilot score4.7 out of 5 stars, based on 2,813 customer reviews
Customer reviews verified as of12 November 2019

Customers were mostly pleased with how easy it was to find great rates using Credible’s service. But a couple were unhappy with how many phone calls they received after providing their contact information — a common complaint for online marketplaces and connection services.

How do I get started?

To get started, follow these four short steps:

  1. Click the Go to site button on this page to be directed to Credible’s online form.
  2. Enter the amount you want to borrow and click Find My Rate.
  3. Fill in the required fields.
  4. Accept the terms and conditions to see your personalized rates in minutes.

What information do I need to provide?

Be prepared to provide the following information when filling out the online form:

  • Your highest level of completed education
  • Current employment status
  • Date of birth
  • Annual income before taxes
  • Estimated credit score

What happens after I fill out its online form?

Credible will scan its network of lenders to find any loan you may qualify for. If you’re connected, you will be redirected to the lender’s website to finalize your application and learn your approval status.

How do repayments work with Credible?

Because Credible is a connection service, how you set up your payments is going to depend on the lender. Make sure you take a look at the website and contact customer service if you’re having trouble getting things started.

Want to explore other options? Compare more personal loan brokers before making your final decision.

Frequently asked questions

Personal loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top personal loan providers and rate them one to five stars based on factors that are most important to you. These factors include: rates and fees, customer reviews, loan amounts, loan processing and borrower experience.

Read the full methodology of how we rate personal loan providers.

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