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Student Loan Refinancing

Private Student Loans

Personal Loans

Mortgage Refinancing

Home Loans

Insurance

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Resources

Company

Get Started

Student Loan Refinancing

Student loan refinance

Student loan consolidation

Start Your Refi

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Resources

Best student loan refinance companies

Student loan repayment calculator

Student loan refinancing calculator

How to pay off student loans

Student loan forgiveness

Learn more about student loan refinancing

Private Student Loans

Private student loans

Graduate student loans

Parent student loans

Medical school loans

Law school loans

MBA loans

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Resources

How to pay for college

Applying for FAFSA

Best private student loans

Student loan calculator

Student loans without a cosigner

Learn more about student loans

Personal Loans

Personal loans

Debt consolidation loans

Credit card consolidation loans

Personal loans for bad credit

Home improvement loans

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Resources

How to qualify

How to get a loan

How to pay off credit card debt

Best personal loans

Personal loan calculator

Learn more about personal loans

Mortgage Refinance

Refinance your mortgage

Today's refinance rates

30 year fixed refinance rates

15 year fixed refinance rates

Cash-out refinance rates

Start Your Refi

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Resources

How to refinance your mortgage

How to get the best refinance rates

Cost to refinance your home

When to refinance

Mortgage refinance calculator

Learn more about mortgage refinancing

Home Loans

Home loans

Today's mortgage rates

30 year fixed mortgage rates

15 year fixed mortgage rates

Jumbo loan rates

Find Your Loan

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Resources

Qualifying for the best rate

First time homebuyer tips

How to buy a house

How to get a mortgage

Mortgage preapproval

Learn more about purchasing a home

Insurance

Home Insurance

Car Insurance

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Home insurance guide

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Home insurance deductible

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FAQs

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Credible lender rating methodology



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 * Student Loans
   
   Student Loan Refinancing
   
   Private Student Loans
   
   Compare Lenders
   
   Student loan refinance
   
   Student loan consolidation
   
   Start Your Refi
   
   Learn more
   
   Best student loan refinance companies
   
   Student loan repayment calculator
   
   Student loan refinancing calculator
   
   How to pay off student loans
   
   Student loan forgiveness
   
   Learn more about student loan refinancing
   
   Compare Lenders
   
   Private student loans
   
   Graduate student loans
   
   Parent student loans
   
   Medical school loans
   
   Law school loans
   
   MBA loans
   
   Find Your Loan
   
   Learn more
   
   How to pay for college
   
   Applying for FAFSA
   
   Best private student loans
   
   Student loan calculator
   
   Student loans without a cosigner
   
   Learn more about student loans

 * Personal Loans
   
   Personal Loans
   
   Personal loans for all your financial needs - get prequalified in just 3
   minutes
   
   Compare Lenders
   
   Personal loans
   
   Debt consolidation loans
   
   Credit card consolidation loans
   
   Personal loans for bad credit
   
   Home improvement loans
   
   Find Your Loan
   
   Learn more
   
   How to qualify
   
   How to get a loan
   
   How to pay off credit card debt
   
   Best personal loans
   
   Personal loan calculator
   
   Learn more about personal loans

 * Mortgages
   
   Mortgage Refinance
   
   Home Loans
   
   Compare Rates
   
   Refinance your mortgage
   
   Today's refinance rates
   
   30 year fixed refinance rates
   
   15 year fixed refinance rates
   
   Cash-out refinance rates
   
   Start Your Refi
   
   Learn more
   
   How to refinance your mortgage
   
   How to get the best refinance rates
   
   Cost to refinance your home
   
   When to refinance
   
   Mortgage refinance calculator
   
   Learn more about mortgage refinancing
   
   Compare Rates
   
   Home loans
   
   Today's mortgage rates
   
   30 year fixed mortgage rates
   
   15 year fixed mortgage rates
   
   Jumbo loan rates
   
   Find Your Loan
   
   Learn more
   
   Qualifying for the best rate
   
   First time homebuyer tips
   
   How to buy a house
   
   How to get a mortgage
   
   Mortgage preapproval
   
   Learn more about purchasing a home

 * Insurance
   
   Insurance
   
   Compare custom fit options to find home and auto coverage that best suits
   your needs
   
   What We Offer
   
   Home Insurance
   
   Car Insurance
   
   Get Quotes
   
   Learn more
   
   Home insurance guide
   
   What home insurance covers
   
   How much home insurance you need
   
   Home insurance deductible
   
   How to change home insurance
   
   Learn more about home insurance

 * Resources
   
   Resources
   
   Build your financial knowledge with helpful tips & strategies from our team
   
   Blog
   
   FAQs
   
   Loan calculators
   
   Student loan score calculator
   
   Debt statistics
   
   Data insights
   
   Credible lender rating methodology

 * Company
   
   Company
   
   At Credible, our first priority is you.
   
   Company
   
   About us
   
   Credible reviews
   
   Careers
   
   Press
   
   Partners
   
   Digital partners
   
   Employers
   
   Financial advisors
   
   Real estate agents
   
   Contact
   
   Call us now
   
   Email us
   
   Chat now

 * Login

 * Get Started


COMPARE RATES FROM MULTIPLE LENDERS IN MINUTES.

Select a product to check your personalized rates

Student Loan Refinancing

Student Loans

Personal Loans



Home Loans



Mortgage Refinancing



Insurance

Student Loan Refinancing

Student Loans

Personal Loans

Home Loans



Mortgage Refinancing



Insurance

Student Loan Refinancing

Student Loans

Personal Loans

Home Loans



Mortgage Refinancing



Insurance

Student Loan Refinancing

Student Loans

Personal Loans



Home Loans

Mortgage Refinancing



Insurance




Compare Top Lenders





Actual Prequalified Rates


IF IT'S NOT A REAL RATE, IT'S NOT CREDIBLE.

No mysteries. No bait-and-switch. You see real prequalified rates for loans that
are available to you with no impact to your credit score.

Real rates, no bull!

Illustrative purposes, actual results may vary.

Prequalified rates are not a firm offer of credit

Safe and Secure


NO RISK. NO SPAM.

Using Credible to check prequalified rates is 100% free.

We only get paid if you close a loan with one of our partner lenders.

Compare lenders and shop around in one safe place.

Using Credible to check prequalified rates is 100% free. We only get paid if you
close a loan with one of our partner lenders. Compare lenders and shop around in
one safe place.

Unbiased and transparent


THE ONLY FAVORITE WE HAVE IS YOU.

We're not comfortable with getting paid to rank products higher, sell your data,
or hide fees. Know exactly what your cost breakdown is before selecting a
lender.




Since 2012, we've strived to be the most trustworthy personal finance
marketplace.

Since 2012, we've strived to be the most trustworthy personal finance
marketplace.

We've Helped Over

2.2 million users

compare prequalified rates

Excellent

5,280 reviews on
Trustpilot
See Credible reviews

Excellent customer service

I was apprehensive when I first started... but the customer service was
excellent .. I got a good deal very quickly and they helped me .. totally
recommend it

See Manpreet's review

Great rates for consolidation

Outstanding, competitive rates. It let me shop different vendors without having
to go to multiple sources and provide my info. I will be saving a ton ...

See Greg's review

Easy process

I was able to refinance my student loan and secure a much lower rate than I had
with my other servicer. The process was so easy!

See Alicia's review

More choice

Credible gave me more choices to fit my needs. The information they passed on
was absolutely correct.

See Andy's review

Now I'm in control

I had lost all hope of being able to refinance my student loan till I saw a
recommendation for credible and gracefully they helped me ...

See Bennet's review

An informed decision

I love and respect the honesty in the information provided to help us, the
consumers make informed decisions about our finances and/ credit needs ...

See Mark's review

Used Credible twice

So far I have used Credible twice. The first time I got a top notched Personal
Loan which I used to pay off ALL of my high interest credit cards. I then ...

See Earl's review

From nervous to excited

While I was a bit nervous about looking for loan options on the internet,
Credible made it incredibly easy. I found several options ...

See Pamela's review

Smooth and seamless

I was able to [reduce my] monthly payments with a loan at a lower interest rate
than what I had. I also was quickly approved and there were no hassles ...

See Tiffany's review

Excellent Experience

Credible was easy and straightforward. The answer I was hoping for came quickly.
There was no unnecessary paperwork. It was a pleasure working ...

See Kim's review

Individual experience may vary.

We’re here to help you save on interest. Interested?


OUR PRODUCTS


REFINANCE STUDENT LOANS


PRIVATE STUDENT LOANS


PERSONAL LOANS


HOME LOANS


MORTGAGE REFINANCING


INSURANCE


CREDIT CARDS


I HAVE SOME QUESTIONS


BACK TO TOP

Refinance Student Loans

Refinance federal, private, and Parent PLUS loans to lower your interest rate or
reduce your monthly payment.

Find My RateLearn More
Student loan consolidation
Private Student Loans

Comparing lenders is the smart way to pay for school. Cover up to 100% of your
school-certified costs after financial aid.

Find My RateLearn More
Personal Loans

Consolidate credit cards and other debt to a lower rate. Or fund a home
improvement, wedding, vacation, and many other financial goals.

Find My RateLearn More
Home improvement loans Debt consolidation loans Auto loans
Personal loans for bad credit Credit card consolidation loans
Home Loans

Compare multiple mortgage lenders in minutes. Our partners are here to help you
every step of your home buying journey.

Get StartedLearn More
Mortgage Refinance

See accurate and transparent pricing from multiple refinancing lenders in
minutes. Apply online to the lender that is right for you.

Find My RateLearn More
Today’s refinance rates 10 year refinance rates 15 year refinance rates 20 year
refinance rates
30 year refinance rates Jumbo refinance rates Cash-out refinance rates
Insurance

Insurance is not ”One Size Fits All”. Compare custom fit options to find home
and auto coverage that best suits your needs.

Get QuotesLearn More
Credit Cards

From building rewards points to building credit – find the right card for where
you’re at in your journey.

Compare CardsLearn More


Support and resources


FREQUENTLY ASKED QUESTIONS

Have questions?
We’re here to help!


support@credible.com866-540-6005

Mon - Thurs

Fri

Sat - Sun

6am - 6pm PT

6am - 4pm PT

7am - 4pm PT

By Jamie Young

Jamie Young is a Credible authority on personal finance. Her work has appeared
on Time, CBS News, Huffington Post, Business Insider, AOL, MSN, and more.
Full bio

& Matt Carter

Matt Carter is a writer, editor and student loan authority for Credible. His
work has been featured by CNBC, CNN Money, Consumer Reports, Money, USA Today,
U.S. News & World Report, The New York Times, The Wall Street Journal, The
Washington Post, Yahoo Finance and more.
Full bio

Updated January 19, 2022


WILL THE COVID-19 PANDEMIC AFFECT MY LOAN?

Most likely not — the pandemic shouldn’t have any significant effect on a new
loan. For example, COVID-19 will generally have no serious impact on a new:



 * Refinanced student loan
 * Consolidated student loan
 * Private student loan
 * Personal loan


However, keep in mind that many lenders are providing special assistance for
those affected by COVID-19, such as payment deferments and other accommodations.
If you’ve taken out a new loan and are experiencing financial hardship due to
the pandemic, reach out to your lender to see what options might be available to
you.




WILL THE COVID-19 PANDEMIC AFFECT MY HOME LOAN OR MORTGAGE REFINANCE?

Possibly. The COVID-19 pandemic has caused some mortgage lenders to deal with
longer processing times and implement stricter loan requirements. You now may
need a higher credit score, larger down payment, and lower debt-to-income ratio
to qualify for a home loan.

Despite these inconveniences, the pandemic has also made certain aspects of the
mortgage process more accessible. Virtual home tours have risen in popularity,
as have electronic mortgage closings.


WHAT IS CREDIBLE?

Credible is a marketplace that allows you to compare financial products from
multiple providers side-by-side. Credible is not a lender, a bank or a credit
card issuer — we partner with top financial service providers so that they can
provide you with a variety of competitive options, enabling you to quickly find
the right financial product for your needs. Best of all, comparing rates on
Credible is completely free and won't impact your credit score!

You can find out more about our company on our About Us page.


WILL COMPARING RATES IMPACT MY CREDIT SCORE?

Nope! Credible performs a "soft credit inquiry" to provide personalized
prequalified rates for the loan products on our site. Soft credit inquiries do
not affect your credit score.

Once you choose a loan product on your Credible Dashboard, and once you decide
to move forward with a particular lender, a hard credit inquiry will be
performed, which will impact your score. Likewise, if you apply for a credit
card, the credit card issuer will perform a hard credit inquiry when you apply
for a credit card.


WHAT MAKES CREDIBLE DIFFERENT FROM OTHER COMPARISON SITES?

With Credible’s lending marketplace, you can fill out a simple, streamlined
form, and instantly see which lenders you prequalify for and at what rates.
These are personalized, prequalified rates based on your credit history.
Checking your prequalified rates with Credible will not affect your credit
score.

Many other comparison sites will only provide you with generic information about
a given financial service provider — the rates and information you see will not
be specific to you and your credit history. You might be able to go to a
specific lender’s website and see your personalized prequalified rates, but
you’ll only be able to do this for one lender at a time.


HOW DOES CREDIBLE GET PAID?

We want this to be a “win-win” situation. So we only want to get paid if we
bring you value in the form of finding a personal finance option that works for
you. Not by selling your data. The way we earn money depends a bit on the
product that you use, so here’s a breakdown below of how that works on Credible.

Student loans, Student loan Refinance: Credible receives compensation by the
lender if you finish the loan process and a loan is disbursed. The amount of our
compensation does not impact how and where lenders appear on our site, and
Credible charges you no fees of any sort.

Personal loans: Credible receives compensation by the lender if you finish the
loan process and a loan is disbursed. The amount of our compensation does not
impact how and where lenders appear on our site, and Credible charges you no
fees of any sort. Some lenders may take traffic sources into account when
offering credit terms.

Mortgage (purchase and refinance): Credible receives compensation if you select
a lender participating on our platform. After your review, with your permission,
we will transmit the information you shared with us to your lender, enabling you
to complete a mortgage application with them. Generally, our lenders pay us and
incorporate the cost of our services as part of the final interest rate on your
loan, or in your loan amount. You don’t pay anything to Credible if your loan
does not close. This is common practice in mortgage transactions where you find
your lender through a lender-review platform like ours, also known as a “lead
generator”.

Credit Cards: The credit card issuer when a Credible user applies for a credit
card and is approved.

Are there lender fees?
Our student loan and student loan refinancing lenders charge no origination,
prepayment, or service fees. Some personal loan lenders charge origination fees,
which will be clearly displayed on your Credible dashboard if you receive rates.
All of our mortgage lenders charge fees for their services and third party
services, and require you to obtain third party services to close a mortgage
loan that will cost you money (either at closing, or rolled into the cost of
your loan).

PRODUCT

 * Student Loan Refi
 * Student Loans
 * Mortgage Refi
 * Personal Loans
 * Credit Cards

SUPPORT

 * FAQ
 * Security

LENDERS

 * Student Loan Lenders
 * Student Loan Refi Lenders
 * Personal Loan Lenders
 * Home Loans & Refinancing Lenders

PARTNERS

 * Affiliates
 * Employers
 * Financial Advisors

COMPANY

 * Blog
 * Careers
 * Press

LEGAL

 * Terms of Use
 * Privacy Policy
 * Do not sell my information

 * GLBA Privacy Policy

© 2022 Credible
FIND US
 * Credible support email
 * Credible facebook
 * Credible twitter

Credible Operations, Inc. NMLS ID# 1681276
| NMLS Consumer Access | Licenses and Disclosures
| Not available in all states. Prequalified rates are not an offer of credit.
Loans arranged through third party providers. This site is not authorized by the
New York State Department of Financial Services. No mortgage solicitation
activity or loan applications for properties located in the State of New York
can be facilitated through this site.

Insurance services provided through Young Alfred Inc. 1700 Market St. Ste 1005
Philadalphia, PA 19103 | Insurance Privacy Policy | Insurance Terms Of Use|
Affiliated Business Arrangement Disclosure Policy













DO NOT SELL MY PERSONAL INFORMATION




 * YOUR PRIVACY


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 * SALE OF PERSONAL DATA


YOUR PRIVACY

When you visit our website, we store cookies on your browser to collect
information. The information collected might relate to you, your preferences or
your device, and is mostly used to make the site work as you expect it to and to
provide a more personalized web experience. However, you can choose not to allow
certain types of cookies, which may impact your experience of the site and the
services we are able to offer. Click on the different category headings to find
out more and change our default settings according to your preference. You
cannot opt-out of our First Party Strictly Necessary Cookies as they are
deployed in order to ensure the proper functioning of our website (such as
prompting the cookie banner and remembering your settings, to log into your
account, to redirect you when you log out, etc.). For more information about the
First and Third Party Cookies used please follow this link. Privacy Policy


STRICTLY NECESSARY COOKIES

Always Active

These cookies are necessary for the website to function and cannot be switched
off in our systems. They are usually only set in response to actions made by you
which amount to a request for services, such as setting your privacy
preferences, logging in or filling in forms. You can set your browser to block
or alert you about these cookies, but some parts of the site will not then work.
These cookies do not store any personally identifiable information.


SALE OF PERSONAL DATA

Sale of Personal Data


Under the California Consumer Privacy Act, you have the right to opt-out of the
sale of your personal information to third parties. These cookies collect
information for analytics and to personalize your experience with targeted ads.
You may exercise your right to opt out of the sale of personal information by
using this toggle switch. If you opt out we will not be able to offer you
personalised ads and will not hand over your personal information to certain
third parties. Additionally, you may contact our compliance department for
further clarification about your rights as a California consumer by using this
Exercise My Rights link. Therefore we would not be able to track your activity
through the web. This may affect our ability to personalize ads according to
your preferences.

 * FACEBOOK AND GOOGLE PERFORMANCE COOKIES
   
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   These cookies allow us to count visits and traffic sources so we can measure
   and improve the performance of our site. They help us to know which pages are
   the most and least popular and see how visitors move around the site. All
   information these cookies collect is aggregated and therefore anonymous. If
   you do not allow these cookies we will not know when you have visited our
   site, and will not be able to monitor its performance.

 * FACEBOOK AND GOOGLE TARGETING COOKIES
   
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   These cookies may be set through our site by our advertising partners. They
   may be used by those companies to build a profile of your interests and show
   you relevant advertisements on other sites. They do not store directly
   personal information, but are based on uniquely identifying your browser and
   internet device. If you do not allow these cookies, you will experience less
   targeted advertising.


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