In a nutshell: Credible personal loans providing a third-party lending service connecting prospective borrowers with a marketplace of financial institutions. Their platform makes it easy to apply online for personal loans between $1,000 and $50,000. Rates depend on the lender and start as low as 4.99% with 2 to 7 years repayment terms.



In business since 2012, Credible personal loans offers an easy-to-use lending service connecting borrowers with a host of different financial institutions. Through their platform, borrowers just need to take a couple of minutes to apply online before shopping through a list of offers. Credible personal loans start at $1,000 and go up to $50,000, and borrowers can use the money for a large purchase, home improvement, debt consolidation, and more.




Credible doesn’t function as a direct lender itself. Instead, it provides a lending marketplace, connecting borrowers with a range of different lenders. In this way, applicants with many financial backgrounds can shop for an ideal loan to suit their budgets. APRs start at around 4.99%.

Although Credible accepts applicants with different financial backgrounds, they do prefer prospective borrowers with a good credit score. In order to qualify, applicants will need to be at least 18 years old and have a US permanent residency or citizenship.



Loan Process

Nowadays, with services like Credible, it has become easier than ever to secure a loan. Borrowers can go right to the website where they can submit a short two-minute application. The application requests information such as the purpose of the loan, age, income, credit score, and contact information.

If approved, Credible will send a list of potential offers with varying rates and terms. Customers can shop around and choose the best rate and repayment term for their budget. Before deciding, you can speak with Credible customer support to receive guidance before finalizing the loan.



Loan Terms

Credible personal loans provides a loan aggregator service. Through their network of lenders, customers can shop around for ideal rates and repayment terms. Their service has a minimum loan amount of $1,000 and maximum of up to $50,000. Their fixed-rate loans have an APR between 4.99% up to 35.99%. Repayment terms range between two to seven years.



Customer Support

Credible offers customers advice throughout the loan process with support available by live chat and online contact form. While they do not offer 24/7 support, when offline, customers can leave a message and a staff member will get in touch within one to two business days. Their FAQ and social media pages also include more information to help you get started.




  • Free online service
  • Range of rates and terms
  • Fast funding
  • Third-party lender
  • No 24/7 support
Credible is a third-party lender hosting an intuitive online service for personal loans between $1-$50K.


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Joe Schwartz

Personal Loans Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.