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Credible.com: Review

  4,324 Reviews on Trustpilot

Credible Snapshot

Credible.com is a mortgage marketplace that provides personalized mortgage rates from a variety of lenders. Rather than simply posting rough estimates or teaser rates, Credible offers a straightforward digital process from browsing to funding.


Credible Spotlight

Best For
Easy-to-follow mortgage comparisons

Marketplace or Direct Lender
Marketplace

Loan Types
Home Refinance, Home Purchase

Loan Features
Straightforward digital process, fee transparency

Repayment Terms
10, 15, 20, 25, 30 year, depending on the loan terms

Summary

Credible.com is a mortgage marketplace that has been built on the success of their personal loans, student loans and student loan refinancing marketplace. On those marketplaces, they’ve funded over $1.6 billion in loans.

Credible is integrated with credit bureaus and lenders, making it a piece of cake to compare real, pre-qualified rates from across the United States without negatively impacting your credit score.


Loan Types

As a licensed mortgage broker, Credible works with 6 wholesale lenders, 4 of which are in the top 10 U.S. mortgage lenders: Quicken Loans, Caliber Home Loans, United Wholesale, and LoanDepot. Credible’s lending partners offer a large variety of products, from adjustable-rate mortgages to conforming fixed-rate mortgages, and even jumbo loans.

Since it doesn’t work with mortgage brokers, retail banks aren’t competing for business on Credible’s marketplace. However, Credible works with lenders that offer impressive rates, making them a great option for a variety of consumers.


Mortgage Loan Rates & Terms

Since Credible.com is a marketplace working with many lenders, they offer access to a huge number of loans and loan terms. Terms aren’t actually set by Credible, but by the mortgage lenders on their marketplace.

However, Credible makes it easier for consumers to scan different options, comparing loans, offering complete transparency into fees, rates, terms, and other conditions.

Lenders within Credible’s marketplace offer a number of different repayment terms: conforming fixed-rate mortgages with 10, 15, 20, 25, and 30 year terms, ARM loans with 3/1, 5/1, 7/1, and 10/1 terms, jumbo loans with 15 and 30 year terms, and 5/1, 7/1, and 10/1 jumbo ARMs for qualified borrowers.


Credible Pros

  • Easily compare a variety of fees and rates from different lenders
  • Digital application is automated
  • Complete the whole process through Credible
  • Get rates from multiple lenders in under 3 minutes
  • No credit score impact with checking pre-qualified rates

Credible Cons

  • Not a ton of information available with customer support on specific lenders
  • Only available in 41 states

Credible Application Process

Credible.com has a quick online form that takes only 3 minutes to complete. Eligible borrowers will then view a dashboard with real rates, fees, terms from a number of lenders, thanks to their integration with credit bureaus and lenders.

Once you see an option you’re interested in, Credible will then take you through the rest of the application process. They’ll ask you questions that are relevant to you and your loan.

Credible automates the documentation collection process, including pay records, bank statements, and tax documents, making the entire process almost completely paperless.


Customer Support

Credible has loan officers standing by to assist potential customers while shopping for a mortgage. They offer support by phone, email, and live chat. It’s important to note that Credible won’t always be able to answer very specific questions about individual lenders, although they will be able to provide you with most answers.


Final Thoughts on Credible

So, should you use Credible.com to access a home mortgage loan?

Overall, Credible is an impressive marketplace to find a home loan. If you’re looking for a simple solution to cross-reference a number of loans from the top mortgage lenders in the United States, then Credible is one of the best options available.

It’s the first mortgage marketplace to offer both real rates from a variety of lenders as well as the ability to bring you all the way to closing using a digital process.

While there aren’t as many lenders on Credible.com as there are on some other rate comparison sites, Credible’s ability to show you actual rates and close on loans without getting lost in a mirage of advertisements is quite impressive.

Credible is a great choice for anyone looking to make the whole process of finding a loan easy. Rather than spending hours or days checking multiple lending sites, Credible puts most of the top lenders all on one website to compare side by side.


FAQ

How much does Credible.com cost to use?

Thankfully, you don’t have to pay anything to use Credible.com’s service. Using the service is completely free of charge. Credible’s partner lenders pay Credible a fee as a referral bonus, but this fee doesn’t impact the terms of a borrower's loan or the amount you pay to the lender.

How good does my credit score have to be to secure a loan through Credible’s site?

You can quickly see if you qualify for a loan by filling out Credible’s 3 minute pre-qualification form. It’s simple, quick, and free. You’ll be able to see almost instantly whether or not your credit score is good enough to pre-qualify for a loan from our partner lenders. Plus, checking these pre-qualified rates won’t impact your credit score.

If you have a poor credit history, or simply are limited in your history, you can add a co-signer with good credit to improve your chances of being able to pre-qualify for a loan. Credible.com uses a tool to enable you to check your real rates with a variety of co-signers so you can see which co-signer will get you the best rate and terms for your loan.

Credible Customer Testimonials

Excellent   4,324 Reviews

trustpilot-stars

SHAE

7 hours ago

trustpilot-stars

So they advertise right on the main…

So they advertise right on the main page if they “can’t find you the best rates they give you $200” well they didn’t find me anything at all! Pretty disappointing 😑


LEANNE PETERSON

10 hours ago

trustpilot-stars

Very smooth transaction

Very smooth transaction. Very simple and accommodating!


ALEX

12 hours ago

trustpilot-stars

Gratitude

I really want to thank you for your help!


KULLMANN, KLEIN & DIONEDA

17 hours ago

trustpilot-stars

Easy Process

The process was very easy and everyone involved was extremely helpful.


KEENAN MORAN

17 hours ago

trustpilot-stars

Student Debt Consolidation

I was able to save thousands simply consolidating all of my student debt into 1 loan, and the interest rates were lower than all of my private loans. I have not had any issues with the autopay since I started so all good so far.


COURTNEY

20 hours ago

trustpilot-stars

Quick and Easy

Quick and Easy. Great place to compare options.


ANDREA W

18 January, 2021

trustpilot-stars

Second Chances

I thought I would not qualify for any body's loan ever. This company took a chance on me and I am very grateful. Thank you, Andrea W.


ANONYMOUS

18 January, 2021

trustpilot-stars

Quick and easy way to reconcile loans

Quick and easy way to reconcile loans. Was able to see multiple loan options in one location.


GLO

18 January, 2021

trustpilot-stars

Using Credible was easy and they helped…

Using Credible was easy and they helped find the best lender to refinance my loans! The website was easy to use and keep track of my things!


DONSFER

18 January, 2021

trustpilot-stars

Thank you!

Got approved with personal loan.. thank you!


CYNTHIA SCHMITT

18 January, 2021

trustpilot-stars

Helped us pay off lots of debt and…

Helped us pay off lots of debt and refinance one of our cars


JANKI KHEDKAR

17 January, 2021

trustpilot-stars

Excellent!

Excellent service and quick and easy


SM

17 January, 2021

trustpilot-stars

Thank you

Everyone was very helpful and pleasant. They answered all my questions and made me comfortable. Thank you to all of them


HEATHER KOTASKA

17 January, 2021

trustpilot-stars

Used this site and happy with results

Used this site and happy with results


FRANK ESTANOL JR

17 January, 2021

trustpilot-stars

Credible did an outstanding job helping…

Credible did an outstanding job helping me get my personal loan. Two thumbs up! Thank you credible!!


REBECCA N.

17 January, 2021

trustpilot-stars

5 stars

Easy to use and helped me find the right loan for me. thank you


KEVIN

17 January, 2021

trustpilot-stars

Excellent web service for debt consolidation

Excellent web service for finding debt consolidation loans. I was approved immediately using the bank found on from using credible.


ACES

16 January, 2021

trustpilot-stars

Fast and Effcient

Fast and Effcient, just what was needed in a quick pinch.


LAWRENCE D.

16 January, 2021

trustpilot-stars

Penfed approved a debt consoldation…

Penfed approved a debt consoldation loan based on our very good credit rating and never a missed payment. Credible got us hooked up with Penfed. Thanks credible.


ANDREW

15 January, 2021

trustpilot-stars

Excellent Experience

Overall, I had an excellent experience utilizing Credible to obtain a Personal Loan. All of the options offered to me were very competitive and I ended up getting the best possible APR on the type of loan that I obtained. While I do have an excellent credit history, I was fortunate enough to obtain a loan through LightStream. I appreciate the streamlined service that is offered through Credible to be able to find the best rate possible. Thank you.


JACK S CHICAGO IL.

15 January, 2021

trustpilot-stars

I was searching different lending…

I was searching different lending companies trying to figure out the best APR and loan fees credible showed all the companies and what they had to offer right up front and it was great I would use credible again to secure my next loan.


GABRIEL PARDO

15 January, 2021

trustpilot-stars

Thank you for helping my credit raise…

Thank you for helping my credit raise up. I’ll forward to heard from you. Thank you Credible! PS. Also, Prosper and Avant loans really help my pay off my credit card. I appreciated to thank you both for help my score up. Again, Thank you Avant and Prosper.


JERARD BULLOCK

15 January, 2021

trustpilot-stars

I am very pleased with Credible

I am very pleased with Credible. I was looking for a loan to purchase a motorcycle and you guys came through. The application process and approval was quick, but the deposit of the money was even quicker!!!! Thank you Credible!!! Signed, A Satisfied Customer


DEONTAY SMITH

14 January, 2021

trustpilot-stars

I like the way to get money

I love you and


ARLEEN

14 January, 2021

trustpilot-stars

Great experience.

Great experience.


RONALD JORDAN

11 January, 2021

trustpilot-stars

OPTION

GREAT SITE AND WELL INFORMED


WALTER

11 January, 2021

trustpilot-stars

I got a very low rate loan using Credible

I got a very low rate loan using credible with no lender fees. It was very simple procedure. Within about 5 minutes I was filling out online application for my loan. But you must have good credit for applying for a loan or your rates maybe higher.


EMMANUEL DANQUAH

11 January, 2021

trustpilot-stars

credible helped me a lot.It helped me…

credible helped me a lot.It helped me to find the right loan thanks very much credible


SHIRLEY MAKI

11 January, 2021

trustpilot-stars

Fast & Easy- Debt Consolidation

Credible was able to link me with a great debt consolidation offer! I had been turned down by 2 banks previously! They took a chance on me and I am forever grateful! I got a great interest rate with a manageable monthly payment. Received the loan within 48 hours!


J VETTER

11 January, 2021

trustpilot-stars

Credible offered several loan…

Credible offered several loan solutions, and we chose the one best for our situation. Im very pleased with the experience I had.


STEPHEN

10 January, 2021

trustpilot-stars

Pleasant Experience

Pleasant Experience It was straight forward and an easy process to obtain a loan. Very friendly and knowledgeable staff to help when needed. I highly recommend Credible.


JO

10 January, 2021

trustpilot-stars

Easy process to secure a great product

Easy process to secure a great product. We got a good rate to consolidate credit card debt and now have a lower monthly payment and will pay down our debt almost 2 years faster.


J ROBERTS

10 January, 2021

trustpilot-stars

Credible is Excellent

Credible is excellent. Fast, user friendly, professional service that cannot be beat. Impressive!


JOSEPH

10 January, 2021

trustpilot-stars

Excellent service

Excellent service


BRAD LEWIS

10 January, 2021

trustpilot-stars

Quick and efficient personal loan

Quick and efficient personal loan


ANNA

10 January, 2021

trustpilot-stars

Excellent service

Excellent service! They worked fast. They were knowledgeable and had my best interest in mind. Very easy to work with!


ERICH

09 January, 2021

trustpilot-stars

Excellent and instant service!

They did a fine job finding a consolidation loan from a credit union much larger than mine (No need to involve my car.) The rate was a bit higher but was worth it to take back control of my debt and watch my credit rating skyrocket. I'll be in good shape to get my first house in a few years once my "credit garden" matures!


K. THOMPSON

09 January, 2021

trustpilot-stars

Pleasantly Surprised

I was doing a bit of research because I was thinking about restructuring my debt. After weeks of search, watching videos and reading articles, I came across credible. I took a deep breathe, entered my information and hit submit. Within seconds, I received a range of options that I was able to review and see which one met my needs. I’ve already told others about my experience.


DSJ

09 January, 2021

trustpilot-stars

The process was easy and quick

The process was easy and quick. I provided the needed documents and had an answer within 2 days


STEPHANIE COMPERE DAY

08 January, 2021

trustpilot-stars

Easy and simple way to shop for the best rate!!

I am so glad that I decided to use Credible.com to search for student loan refinancing options. It made the process a whole lot easier! And the customer service was great!!


NOT HAPPY

08 January, 2021

trustpilot-stars

Excellent!!

The process couldn't have been any easier. My interest rate is AWESOME, and I knocked off 5 years on my loan and it only went up $100 per month. I wish I would have done this sooner.


TIERRA PERKINS

08 January, 2021

trustpilot-stars

Help me find a much needed lender at…

Help me find a much needed lender at the best rate.


ZULFI

07 January, 2021

trustpilot-stars

I got a personal loan approved by…Credible

I got a personal loan approved by Credible. I recommend them highly. Very good experience.


CUSTOMER

06 January, 2021

trustpilot-stars

Had a successful experience in…

Had a successful experience in obtaining a loan


MONIQUE THOMAS

06 January, 2021

trustpilot-stars

I absolutely love Credible

I absolutely love Credible! This was the easiest site to navigate and it only took a few minutes to complete.


ERIK REDMOND

05 January, 2021

trustpilot-stars

Easy to work with

Easy to work with. Would have like to see lower rates.


CINDY FORTNER

05 January, 2021

trustpilot-stars

Simple to use

Very easy to use. Convenient. I have already made referrals.


N. GUPTA

05 January, 2021

trustpilot-stars

Best service

Best service, I could not believe how easily they were able to find a lender to match my needs.


A.DC

04 January, 2021

trustpilot-stars

Very helpful site

Very helpful site. Pre-approval was right on the money. Thank you


RENEE BURROUGHS

04 January, 2021

trustpilot-stars

Easy and efficient

Easy and efficient

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Assurance (NMLS #1912050) is not a lender. The lenders determine whether you will be approved and the rate you will be offered. There is no guarantee that you will be approved for credit or that you will qualify for the advertised rates, fees or terms shown. The lenders’ credit decisions may vary based upon your loan request, your particular financial situation and other criteria determined by the lenders. All rates, fees and terms are not guaranteed and may change.

Annual Percentage Rate (APR) calculation and fees are as of 2021-01-20 based on information previously provided by you, the customer, including refinance period, credit score, state, mortgage balance, and property value.

The offers that appear on this site are from third party advertisers from which the operator of this site receives compensation. This compensation determines which offers appear on this site and the order in which they appear. The order is determined at our own discretion and should not be considered an endorsement of any specific offer. We strive to provide a wide array of offers, but the offers shown do not represent all financial services companies or products. The information and vendors which appear on this site are subject to change at any time.

The operator of this website, Assurance IQ, LLC, is a wholly owned subsidiary of Prudential Financial, Inc.

Rate of 1.875%, Annual Percentage Rate (APR) of 1.928% and $1295 fees are for a 15 year fixed refinance loan available through Farmers Bank & Trust (NMLS#613839) based on Excellent Credit Score, Townhouse, Primary Residence, in the state of TX, with an anticipated mortgage balance of $490,000, and property value of $600,000 as of 12/04/2020.

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