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Best Rate Guarantee - We‘re so confident in the rates you’ll find on Credible, we’ll give you $200 if you find a better rate (terms apply).
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Frequently asked questions

What is an unsecured personal loan?
An unsecured personal loan is money you can borrow from a financial institution like a bank, credit union, or online lender that doesn't require collateral (like your home or car). Once approved for an unsecured loan, you'll make monthly payments to pay it back in full, plus interest. The loan terms and interest rate vary based on the lender and your credit.

What are the requirements to qualify?
Each lender has their own set requirements to qualify for a personal loan. But what they typically look for are borrowers who are 18 or older, U.S. citizens or permanent residents with a valid Social Security number, have a steady income, and those who have a good credit history.

How much can I borrow with a personal loan?
How much you can borrow with a personal loan depends largely on your debt-to-income ratio, which is how much of your monthly income goes to paying ongoing obligations like your rent, car payment, or credit card bills. Many lenders also have minimum credit score requirements for credit approval.

The upper limits for personal loans vary by lender but typically fall in the $35,000 to $50,000 range. However, lenders in the Credible marketplace offer personal loans to qualified borrowers up to $100,000.

Will checking my rates affect my credit score?
Using Credible to check your rates doesn’t affect your credit score. Here’s how it works: Credible's prequalification process uses a soft credit inquiry that allows you to see personalized rates without you having to apply for a loan.

There is no obligation to proceed with any of the loan options presented on your dashboard, but if you see a loan offer with one of our partner lenders that you'd like to proceed with, you'll be asked to authorize a hard credit inquiry when you apply for the loan. A hard inquiry can impact your credit score by two to nine points, but typically by no more than five.

What rate should I expect and how can I get the best rate?
Every lender has its own methods of evaluating borrowers and determining rates, so it’s a good idea to compare prequalified rates from more than one lender. Generally, the shorter the loan term, the lower the interest rate offered by most lenders; and the better your credit score and credit report, the better the interest rate you can qualify for. Some lenders even offer an autopay discount if you authorize your monthly loan payments to be directly withdrawn from your bank account.

Qualifying for the lowest rates offered by a lender is dependent on your online application, credit approval and score, loan terms, and other factors. Through Credible, you can easily compare loan offers, loan terms, origination fees, monthly payment amounts and repayment terms.

How quickly will I receive my funds?
Once you’ve completed the loan application process, most lenders can fund your loan by the next business day (though it can take up to about a week, depending on the lender and your application).

Can I use personal loans for debt consolidation?
Yes. In fact, personal loans offer many debt consolidation benefits.

For example, they typically offer lower interest rates than credit cards, making it easier to reduce the overall interest you pay if you use a personal loan to consolidate your debt. Many credit cards also carry variable rates, which can cause the amount you pay in interest to fluctuate as rates change. Personal loans, however, typically offer fixed-rate loans which will keep your monthly payment consistent.

How else can I use a personal loan?
You’re typically not limited in how you can use your personal loan funds. Personal loans can be used to pay down high-interest credit card debt, meet unexpected needs like medical bills, take care of a major purchase like a new refrigerator, or fund home improvement projects. However, some lenders only provide loans for specific purposes (and some rates vary based on what you use it for), so you will be asked for the purpose of your loan.

Credible Personal Loan Best Rate Guarantee

How it Works
Credible wants you to have confidence that you’re receiving access to the lowest interest rate in the market when you get a personal loan with a lender through the Credible Website.

Important Highlights
These are a few important details to know, but make sure to read the full Terms and Conditions below to ensure you understand and follow the requirements of this Promotion.

  • Only personal loan offers are eligible for this Best Rate Guarantee
  • The Better Rate must be received within 8 days after receiving prequalified rates on Credible;
  • The Better Rate must be from a lender that does not offer prequalified options on the Credible Website;
  • The Better Rate claim must be submitted to Credible within 10 days after receiving prequalified rates on the Credible Website;
  • The Better Rate must be for an offer of credit that is based on the same information submitted on the Credible Website and for a Similar Loan Offer; and
  • Close the loan that is the subject of the Claim (and not later cancel the loan) within thirty (30) days of the prequalification request made on the Credible Website; and
  • After closing with the lender that offered you the Better Rate, you will have 7 days to submit to Credible proof of closing and funding of the loan. - Personal Loans Online

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