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Credible® – Personal Loans

Credible® – Personal Loans

Loan Amount : $1,000 - $100,000

    Free to Use, No Hidden Fees
  • APR : 2.49%-35.99% APR
  • Loan Term : 24 - 48 months
  • Credit Score : Fair to Excellent
  • Updated for : Wed 09 Jun 2021
Terms and conditions apply

Overview

Why Credible?

  • Actual prequalified rates from multiple lenders in 3 minutes.
  • Checking rates on Credible is free and will not impact your credit score.
  • Free to use, no hidden fees: Requesting rates can take just minutes and costs you nothing.
  • One Simple Form: Easy to fill out and your info is protected with 256-bit encryption.
  • Using Credible to check your rates doesn’t affect your credit score.
  • More lenders equals broader options: Pick the loan option that best fits your personal needs.
  • Fast, secured with 256-bit encryption, and here for you: Our team is here to help you reach your financial goals.
  • Consolidate credit cards or other debt to a lower rate
  • Loans for life: home improvement, moving costs, wedding expenses, vacations and many other financial goals.
  • Prequalified rates from up to 17 vetted lenders in 2 minutes

Key Benefits

Personal Loans

  • Prequalified rates from up to 17 vetted lenders in 2 minutes
  • Consolidate credit cards or other debt to a lower rate
  • Actual prequalified rates from multiple lenders in 3 minutes.

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Credible® – Personal Loans

Credible® – Personal Loans

Loan Amount : $1,000 - $100,000

Terms and Conditions Apply

Terms

¹Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 2.49%-35.99% APR APR with terms from 24 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 12, 2019, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.

Compare These Details When Searching for a Personal Loan

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Rated 4 out of 5
4 out of 5 stars (based on 1 review)
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Quick, straightforward, and direct in the answering of applications.

Rated 4 out of 5
July 24, 2020

Quick, straightforward, and direct in the answering of applications.

Fred Lanch
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