Home > Reviews >  Credible.com: Review

Credible.com: Review

  4,427 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   4,427 Reviews

trustpilot-stars

JESSICA

24 February, 2021

trustpilot-stars

EASY!

Was doing research to refinance my student loan and Credible made it SOOO much easier!!!


MGR

23 February, 2021

trustpilot-stars

Very fast and efficient!

Very fast and efficient!


UNKNOWN

23 February, 2021

trustpilot-stars

Recommend.

It was super easy and I had what I needed within a couple days. Highly recommend.


RICK ANDREWS

21 February, 2021

trustpilot-stars

Easiest loan I have ever gotten!

Easiest loan I have ever gotten!


H.J

20 February, 2021

trustpilot-stars

Great communication

Great communication! Couldn’t have asked for a better company to help with my refinancing process!


DAVID F

20 February, 2021

trustpilot-stars

Credible helped me find the best loan

Credible helped me find the best loan and lowest interest rate that I could possible get without all the hassle of each service running my credit


BRIGITTE FRAGA

19 February, 2021

trustpilot-stars

Easy

Easy , quick without complications


MB

19 February, 2021

trustpilot-stars

Happy with the service.

Happy with the service.


SUSAN BARR

18 February, 2021

trustpilot-stars

Easy process

Easy process, good rates, good communication, happy with result.


ELIZABETH CHIARELLA

18 February, 2021

trustpilot-stars

Very good and that you for the…

Very good and that you for the confidence.


LH

18 February, 2021

trustpilot-stars

Quick and easy.

Quick and easy.


A.H.

17 February, 2021

trustpilot-stars

Easy to use

Easy to use. Quick responses from customer service.


MATT

17 February, 2021

trustpilot-stars

Was promised a referral bonus but never…

Was promised a referral bonus but never paid out even though my referral refinanced through credible. The reasoning being she had a credible account already. Everyone who’s checked their rates has a credible account!


GREGORY DAVIS

16 February, 2021

trustpilot-stars

I had a check in the mail in five…

I had a check in the mail in five minutes.


SARAH

16 February, 2021

trustpilot-stars

I wanted a person loan for credit card debt

I wanted to find a personal loan based upon a specific amount. Credible gave me a great list of options and enough details to make it easy to make my choice. Once my choice was made the link from the Credible site took me directly to the other site and I didn't have to re-do my search, it was all ready for me. Hopefully I won't need Credible in the future but if I do I would use them again.


MELANIE

16 February, 2021

trustpilot-stars

I have been very happy with Credible…

I have been very happy with Credible each time I use it. I have refinanced my student loans through them twice and also referred somebody to them for a refinance. Definitely recommend!


SAMANTHA M.

16 February, 2021

trustpilot-stars

Excellent

Excellent! Highly recommend using credible! It was so easy and so fast to lower the interest rate on my student loans.


R SCOTT

15 February, 2021

trustpilot-stars

Fast reliable loan options!

Fast reliable loan options with the Best rates!


BECCA

15 February, 2021

trustpilot-stars

Great site for loans

This site made it very easy to find a loan I qualified for, and is very straightforward and easy to use.


MIKE POUCH

15 February, 2021

trustpilot-stars

Easy to use and found me a fantastic…

Easy to use and found me a fantastic low student loan refinance rate from a lender I never heard of (and never would have found)!


JIMMIE LEE

15 February, 2021

trustpilot-stars

Credible is the best

Credible is the best. They placed me with qualified professional lenders that helped in just a few days. Thank you.


SHAWN COLLINS

15 February, 2021

trustpilot-stars

Really easy process!

Really easy process!


BRIDGETTE TAYLOR

15 February, 2021

trustpilot-stars

Very fast they going me f so I robe to…

Very fast they going me f so I robe to help me thank you


MICHAEL C

15 February, 2021

trustpilot-stars

Good service that helped me find a…

Good service that helped me find a student loan refinance company that I never heard of. Was denied in the past and was just approved. I would recommend credible.


PENNY FANNING

15 February, 2021

trustpilot-stars

Satisfied customer

My experience was fast and easy. The website was easy to follow and I had no other issues. I am very thankful for the experience and everything went smoothly. Definably a Satisfied customer.


BETH BROWNING-FOSHIE

15 February, 2021

trustpilot-stars

Amazingly fast matching with great…

Amazingly fast matching with great bank, great rates, lots of options to choose from. Couldn’t be happier!


ALBERT DESIDERIO

14 February, 2021

trustpilot-stars

Great site

Awesome work. Love the bonus for refinancing. Easy to use


C.M.

14 February, 2021

trustpilot-stars

Best Decision I've Made In A While

I usually don't trust online companies like this. But I wanted to find a way to consolidate my debt. I decided to take a chance. I am extremely happy I did! It took seconds to have many offers pop up for bill consolidation. I ended up using Pen Fed Credit Union. It was quick and easy and now I have a lower monthly payment. I am absolutely thrilled with this experience. I highly recommend Credible to find financial help. Thank you!


MICHAEL

14 February, 2021

trustpilot-stars

fast easy look at what loans I could…

fast easy look at what loans I could possibly get


DONALD SINGLETON

13 February, 2021

trustpilot-stars

Unfortunately

Unfortunately, I was unable to achieve my purpose through Credible.


PAULA

13 February, 2021

trustpilot-stars

Fast efficient and professional

Fast efficient and professional


IT WAS GREAT

13 February, 2021

trustpilot-stars

Great experience

Great experience. Got paired with a credit union immediately and had no issues refinancing my student loan!


THOMAS A

13 February, 2021

trustpilot-stars

Simply the best.

Simple, simple, simple. I am pleased to have stumbled upon Credible. I was in the process of applying for my second personal loan and had received a decent rate going directly through a lender's website. It was a much better rate than the previous loan I had paid off through a different lender so I figured "why not". Then I used the Credible website and in a matter of minutes I found several serious lenders that would provide me with a loan at HALF the interest rate I was about to accept. This is a great way to find the best loan especially if it is to pay off a high interest card or loan. I am very pleased. Thomas


DEEPAN RAJAH

12 February, 2021

trustpilot-stars

Repeat customer

Repeat customer! This is my second time using the service refinance my MBA loans. Credible makes it incredibly easy to identify lenders with the terms/rates that you are looking for. On top of that, a sweet cash bonus for refinancing. Total no-brainer.


HAPPY CUSTOMER

10 February, 2021

trustpilot-stars

Simple to use with good results

Simple to use with good results. Used the informatin proficed to complete a loan in record time with a good rate and terms.


CHARLOTTE

09 February, 2021

trustpilot-stars

Great experience

I had a great experience, Credible made it easy to find options for lower interest rate student loans. The follow up was helpful and not overwhelming and overtime I was connected to the right lender with the best options for my situation.


DARRYL WYATT

09 February, 2021

trustpilot-stars

Quick and Easy

Went online, found Credible, got the loan really fast, got the Money really fast. I could even change my payment date.


JENNIFER

09 February, 2021

trustpilot-stars

Great site easy to find multiple offers…

Great site easy to find multiple offers and on have 1 credit check!


LINDSAY

09 February, 2021

trustpilot-stars

Great experience

Super easy to use and provided me with the best available options for what I needed. No extra questions and kept it simple.


JAMES NEWMAN

09 February, 2021

trustpilot-stars

Great service

Great service


CAPRI

09 February, 2021

trustpilot-stars

Credible was very easy to use and…

Credible was very easy to use and provided me with very good options for what I was looking for, better rates, better terms then other sites I have looked at


RANAE JUHL

08 February, 2021

trustpilot-stars

Very helpful

Very helpful


JESSICA AUGUSTE

08 February, 2021

trustpilot-stars

This is a great website

This is a great website. Fast, easy, and legit. It is very safe to use. You would not regret it.


LLOYD HOLMAN

08 February, 2021

trustpilot-stars

Multiple Offenses Omitted

Multiple offenses that I committed never showed up. I am not confident in the results I have received.


ALEX WHITTEMORE

08 February, 2021

trustpilot-stars

Credible actually turned me on to a…

Credible actually turned me on to a lender I didn't know about which turned out to be the best deal I could find. It's kind of annoying to get a zillion "adverse decision" letters via email from all of the automatically-queried lenders that didn't come back with an offer, but no hard inquiries until application, so no big deal either.


ANN

08 February, 2021

trustpilot-stars

Very helpful service

Very helpful service. Happy with the rates I received. Will recommend to others.


LORRAINE

08 February, 2021

trustpilot-stars

Your website was very easy to use!!!

Your website was very easy to use and received referrals for my needs in a matter of maybe a whole minute. Very fast!!!! Very happy with results. If there ever is a need for any of my family members, I will definitely direct them to Credible.com Thanks again!!!


MS. OO

08 February, 2021

trustpilot-stars

It's been a great experience

It's been a great experience! I hope I made a good decision to consolidate.


CHRISTA WILLIAMS

08 February, 2021

trustpilot-stars

Thank you for helping me make Mike's…

Thank you for helping me make Mike's dream of owning a Harley Davidson come true.


ANJANI CHAPAGAIN

08 February, 2021

trustpilot-stars

Good place to find lower interest rate…

Good place to find lower interest rate provider.

1

2

3

4

5

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 2021-02-26 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.

This site is protected by reCAPTCHA and the Google  Privacy Policy and Terms of Service apply.