Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Credible personal loans review

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


Bottom line: Credible is best for busy customers looking for high loan amounts who don’t mind comparing offers from a more limited selection of lenders than they might find elsewhere.


Min. Loan Amount$600
Max. Loan Amount$100,000
APR3.99% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreFair to excellent credit
Loan Term2 to 7 years
Turnaround TimeAs soon as 1 business day
Go to site


  • One form to view multiple offers
  • Best Rate Guarantee
  • Low potential APR of 3.99%


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

Credible rates, fees and terms

Credible doesn’t charge a fee for its service. The lenders in its network fund loans between $1,000 to $100,000, and APR ranges anywhere from 3.99% to a high 35.99%. Terms vary widely, so the cost to borrow will depend on the lender you choose to go with.

You can use the calculator below to estimate your monthly payment to be sure the lenders you’re connected to are affordable for your budget.

Monthly repayments calculator

Calculate how much you could expect to pay each month

Your loan
Loan amount
Loan terms (in years)
Interest rate

Fill out the form and click on “Calculate” to see your
estimated monthly payment.


Compare personal loans now

You can expect to pay back


per month
Based on your loan terms
Total Cost$

How Credible compares to other providers

Different connection services can get you different results. Here’s how two of Credible’s top competitors stack up when it comes to the types of loans its partners offer and requirements.

Credible personal loans

Fiona personal loans


Finder rating 4.3 / 5


Finder rating 4.25 / 5

Go to site

Go to site


3.99% to 35.99%


4.75% to 35.99%

Loan Term

2 to 7 years

Loan Term

2 to 7 years

Loan Amount

$600 to $100,000

Loan Amount

$250 to $250,000

Min. Credit Score

Fair to excellent credit

Min. Credit Score


How to qualify

Credible doesn’t list exact requirements on its website, but you will need to meet these basic requirements to qualify with a lender in its network:

  • At least 18 years old
  • Active checking account
  • US citizen or permanent resident

Credible reviews and complaints

BBB accredited Yes
BBB rating A+
BBB customer reviews 2 out of 5 stars, based on 1 customer reviews
Trustpilot Score 4.7 out of 5 stars, based on 3,988 customer reviews
Customer reviews verified as of 12 October 2020

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

Case study: Rhys’ experience

Rhys Subitch
Loans Editor

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.

How it works

To get connected with a personal loan provider through Credible, you have to fill out a short online form and create an account.

After you do this, Credible scans its network of lenders to find any loan you may qualify for. If you’re connected, you’ll be redirected to the lender’s website to finalize your application and learn your approval status. If not, Credible may suggest a partner lender that you could still qualify for.

What sets it apart?

Credible’s simple interface makes it easier than other similar marketplaces to prequalify with multiple lenders at once and make a quick comparison. It’s best for when you’re in a time crunch or otherwise don’t have access to a loan from your bank — which might be less expensive but can take weeks to fund. And if you manage to find a better deal elsewhere, you could qualify for $200 through its best rate guarantee program.

Want to explore other options? Compare more connection services and consider a direct lender before making your final decision.

Frequently asked questions

See other personal loan options

1 – 8 of 8
Name Product Filter Values APR Min. Credit Score Loan Amount
Credible personal loans
3.99% to 35.99%
Fair to excellent credit
$600 to $100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Best Egg personal loans
5.99% to 35.99%
$2,000 to $50,000
A prime online lending platform with multiple repayment methods.
Upstart personal loans
5.4% to 35.99%
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
Upgrade personal loans
5.94% to 35.97%
$1,000 to $50,000
Affordable loans with two simple repayment terms and no prepayment penalties.
LendingPoint personal loans
7.99% to 35.99%
$2,000 to $36,500
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
SoFi personal loans
6.99 to 22.23%
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.
LendingClub personal loans
6.34% to 35.89%
$1,000 to $40,000
A peer-to-peer lender offering fair rates based on your credit score.
Monevo personal loans
1.99% to 35.99%
$500 to $100,000
Quickly compare multiple online lenders with competitive rates depending on your credit.

Compare up to 4 providers

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.

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Credible is ideal if you want to compare several personalized loan offers at once, and 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. It’s also 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.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site