Sara Routhier

Sr. Director of Content

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Sr. Director of Content

Joel Ohman

Founder, CFP®

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florida. ...

Founder, CFP®

UPDATED: Oct 4, 2022

Advertiser Disclosure

Advertiser Disclosure: We strive to help you make confident loan decisions. Comparison shopping should be easy. We are not affiliated with any one loan provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about loans. Our goal is to be an objective, third-party resource for everything loan related. We update our site regularly, and all content is reviewed by experts.

Company Details
Address: 22 4th St, 8th Floor
City: San Francisco
State: CA
ZIP Code: 94103
Phone Number: (866) 540-6005
Year Founded: 2012
AM Best Rating:
Company Rating 0 (0 reviews)

Comparing student loans can be overwhelming. Credible is a company that focuses on allowing consumers to compare multiple lenders offering student loans, personal loans, mortgages, and more.

Our Credible company review will discuss how Credible works, the pros and cons of using Credible, and more. If you’re wondering, “Is Credible legit?” keep reading to learn about the company.

Credible is not your only option for financing. Find a private student loan today by entering your ZIP code into our free quote comparison tool above.

What is Credible?

Credible provides consumers with the ability to compare lenders using one online form. The company does provide loans. Instead, it allows you to compare loan rates from multiple companies to see which is right for you.

You can receive quotes for student loan refinancing, private student loans, personal loans, mortgages, credit cards, and more. You begin by filling out your information and receiving quotes from the companies.

All of the loan and company information is presented in an easy-to-use comparison chart that allows you to see differences in APR, repayment terms, fees, and more.

Once you choose the loan you want, you will then need to upload documents and provide further information for your complete application to be processed.

Credible was founded in 2012 in San Francisco. The company aims to empower borrowers by giving them many lenders to choose from. It also offers a team of employees who can help answer questions throughout the application process to help you make the best choice.

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What are the pros of using Credible?

Using Credible to find a lender has multiple benefits. Credible makes searching for a lender convenient by allowing you to find and compare various lenders using one short form (instead of having to fill out forms with each company).

Searching on Credible doesn’t require a hard credit check unless you click to apply for a specific loan. This means your credit is not affected. Lenders don’t receive any of your information unless you allow Credible to send it.

Using Credible is free. There are no fees involved with searching for a lender. Instead, the lenders pay Credible a commission. You may be able to find lenders with minimal fees, such as origination or early payment fees. You may also be able to find a lender that offers discounts.

Credible provides a Best Rate Guarantee, meaning you’ll find better rates using their lender search than if you were to search using Credible’s competitors. However, you should be aware that some reviews complain of not finding reasonable rates.

Some lenders found on Credible offer co-signed loans. Having a co-signer who has good credit can help you qualify for loans you wouldn’t be eligible for yourself. It may also help you get lower rates.

What are the cons of using Credible?

Even with so many benefits, using Credible also has its downsides.

One of the biggest cons of using Credible is that you won’t have access to all lenders’ information. Some Credible reviews mention having limited lender options. However, Credible does have an extensive network that gives you a broad range of lenders to choose from.

Even though you can find lenders with low or no fees, some lenders will still charge fees. You should take the time to thoroughly compare your options to make sure you’re getting the best deal.

Some consumers may be a little disappointed to find that lenders don’t offer a rate discount for using Credible. You may also want to conduct additional research on your lender options to make sure you’re getting all the necessary information to make a knowledgeable decision.

How can I contact Credible?

Credible’s website is The website has a chat function that you can use to connect with a customer service representative. You can also email the company at [email protected]. There’s also an FAQ section to get answers to common questions.

The Credible customer service phone number is 1-866-540-6005. Credible is located in San Francisco, CA.

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Should I find a loan using Credible?

Credible can be a good option for many different types of people, but especially students.

If you’re a student who wants to lower your interest rates, pay off your federal student loans more quickly and easily, or consolidate credit card debt, you may be able to find a loan that will work for you by using Credible.

On the other hand, if you’re a student but only have a small amount of debt or are happy with your student loan rates, you may be better off just keeping the lender you currently have.

Credible is far from your only option. If you need help finding a lender that’s right for you, enter your ZIP code into our free quote comparison tool below to find a loan today.