Loan marketplace · NMLS ID 1681276Credible Personal Loans: Compare Rates From Multiple Lenders
Fill out one form and see prequalified rates from lenders on Credible's marketplace.
✓ Credible says checking rates won't affect your credit score
What Credible is
Credible is an online marketplace, not a lender. You fill out one form, and Credible shows prequalified rates from lenders on its platform so you can compare them side by side. You then choose a lender and apply with that lender, who makes the final credit decision.
Credible says it may also show options from network partners and other providers, such as AmONE or debt relief companies, whose rates and terms differ from those described on this page. Check each offer's terms before you accept.
Is Credible a good fit?
Likely a good fit if you
- Want to compare several lenders at once instead of applying one by one
- Are consolidating debt or covering a large one-time expense
- Want a fixed monthly payment
- Are comfortable being contacted by the lenders you choose
Probably not a fit if you
- Already know which lender you want
- Need cash today regardless of cost
- Have very little credit history (the lowest rates usually require excellent credit)
Loan terms
| APR range | 5.99% to 35.99% (rates set by each lender) |
| Maximum APR | 35.99% |
| Repayment period | 12 to 120 months |
| Origination fee | 0% to 15%, depending on the lender |
| Prepayment penalty | None, according to Credible |
| Loan amounts | Typically $1,000 to $50,000, higher with some lenders |
What a loan could cost
3 years, $10,000: 7.99% interest rate and a $350 origination fee = 10.43% APR. You receive $9,650 and make 36 monthly payments of $313.32, $11,279.43 total.
Example from Credible's rate disclosure. Rates shown by Credible include autopay and loyalty discounts where applicable. Your rate depends on the lender and on your credit score, loan amount, loan term, credit history and loan purpose.
How it works
- Fill out Credible's form. Credible says checking rates won't affect your credit score.
- Compare prequalified rates from the lenders that match you.
- Choose a lender and finish the application with that lender. Prequalified rates are not an offer of credit.
Questions
Is Credible a lender?
No. Credible is a marketplace. The lender you choose sets your rate and terms and makes the credit decision.
Does checking rates hurt my credit?
Credible says checking rates won't affect your credit score. If you apply with a lender, that lender will usually do a full credit check, which can affect your score.
Will lenders contact me?
Credible may share your request with lenders and partners on its platform so they can show you offers. Read Credible's terms and privacy policy before you submit.
Can I pay a loan off early?
Credible says none of the lenders on its platform charge prepayment penalties.
Is Lending Partners the lender?
No. Lending Partners is an independent site. We don't make loans, take applications or make credit decisions.
About Credible
Credible Operations, Inc., NMLS ID 1681276. Not available in all states.
Lending Partners may be paid when you visit or get a loan through links on this page. That doesn't change the terms shown, which come from credible.com as of October 27, 2026, and may change. The lender you choose gives you the final APR, fees and loan agreement before you accept.
About Lending Partners. Lending Partners is an independent comparison site. We are not a lender, broker or loan servicer. We don't make credit decisions, take loan applications or charge you for using this site. We may be paid by companies whose products appear on this site. This may affect which products we show and where they appear, but it doesn't affect the terms a lender offers you.
Rates and terms. Each lender sets its own rates, fees and terms, and they can change. Lender details on this site come from the lender's own published information as of the date shown on each page. The lender will give you the final APR, fees, repayment terms and loan agreement before you accept. Approval isn't guaranteed and depends on the lender's review of your credit and other information.
Your credit. Lenders may check your credit. Missing a payment or paying late can lead to fees and can hurt your credit score.
Not all products are available in all states.