Credible® – Personal Loans

Loan Amount

$1,000 - $100,000

Loan Term

24 - 48 months

APR

2.49%-35.99% APR

Credit Needed Fair to Excellent
Turnaround Time

Free to Use, No Hidden Fees

Loan Purpose

Boat
Business
Home Improvement

Loan Details

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

Additional Info

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.

¹Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 2.49%-35.99% 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.

Loan Reviews

5
Rated 5 out of 5
5 out of 5 stars (based on 1 review)
Excellent100%
Good0%
Fair0%
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Reviews

need a loan

Rated 5 out of 5
March 10, 2021

i need a loan

thomas Lee street

Write a Review

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We receive remuneration from our partners when someone applies or gets endorsed for a credit, loan or debt relief related item through our website. Be that as it may, the consequences of our aides and publication surveys depend on quantitative and subjective evaluations of item elements — nothing else. Remuneration may impact the items we survey and expound on, the request in which classifications show up in “top-rated” pages, regardless of whether items show up on our site or articles. While we attempt to highlight the greatest number of loan programs on our website as we can keep up, we perceive that our website does not include each organization or credit item accessibly available.

Not a Lender

We are not a lender, but instead have partnerships with a variety of lenders. Upon submitting a request on our website, we’ll do our part in connecting you with a lender (or lenders) in our partner network. We do not have any control over loan fees and interest rate. This is determined by your provider, based on a variety of factors. We are not a lender, we never make a loan offer, and we don’t broker online loans. The operator of this website is not a lender, does not broker loans to lenders and does make personal loans or credit decisions. This website does not constitute an offer or solicitation to lend. This website will submit information you provide to a lender. Providing your information on this website does not guarantee that you will be approved for a personal loan. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product.

About Our Ratings

The lenders and lending partners that displayed on this website are companies and/or services from which we receive remuneration. The remuneration may impact how and where services and products appear on this website, which also includes the order in which they appear on various pages throughout this website. Ranking and order of products and services on this website are subject to change and this website does not include all lenders in the consumer finance marketplace. Additional elements and metrics that impact our ranking include historical data such as the frequency of consumer visits to a lender or lending partner website, loan applications percentages, funded loan percentages, the user device, user location, the day of the week, time of the day, operating system and self-assessed credit.

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