Need a Better Loan? Credible Rates: Showcasing This Month’s Best APRs
Credible Rates: Updated Personal Loan, Student Loan, and Student Loan Refinancing APRs
Credible.com regularily updated APRs
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As interest rates fluctuate and household budgets tighten, more Americans are turning to online marketplaces to find the best deals on loans and refinancing.
At the top of that list is Credible, a trusted platform that partners with numerous lenders to help you compare personalized offers for student loan refinancing, private student loans, and personal loans, all without hurting your credit score.
Whether you’re looking to refinance federal or private student loans, borrow for school, consolidate high-interest credit card debt, or make a major purchase, Credible makes it easy to find competitive rates and terms from lenders nationwide.
Here’s a look at the lowest APRs available this month among Credible’s marketplace partners, broken down by loan type and lender.
Credible Loan Rates
Credible Rates: Student Loan Refinancing
Borrowers looking to consolidate or refinance existing student debt can access fixed and variable rates from Credible’s diverse lineup of lenders. Terms generally range from 5 to 20 years. You can refinance private or federal student loans, depending on your lender.
Click on Lender Name for the full company review.
|
Lender |
Min Fixed |
Max Fixed | Min Variable | Max Variable |
Loan Term |
|
3.85% |
7.04% | 4.33% | 5.73% | 5, 7, 10, 15, 20 yrs | |
|
5.90% |
11.38% | 6.16% | 12.35% | 5, 7, 10, 15, 20 yrs | |
|
4.45% |
9.89% | 5.88% | 9.99% | 5, 7, 10, 15, 20 years | |
|
EdvestinU |
5.40% | 9.99% | 7.06% | 9.06% |
5, 10, 15, 20 yrs |
| 4.88% | 8.44% | 4.86% | 8.24% |
5, 7, 10, 15, 20 years |
|
|
INvestEd |
5.58% |
9.89% | 7.90% | 11.79% | 5, 10, 15, 20 yrs |
|
LendKey |
4.89% | 9.64% | 4.54% | 8.62% |
5, 7, 10, 15 yrs |
|
6.20% |
8.99% | n/a | n/a | 7, 10, 15 years | |
| 3.99% | 8.29% | n/a | n/a |
5, 10, 15 years |
|
|
SoFi |
4.49% | 9.99% | 5.99% | 9.99% |
5, 7, 10, 15, 20 years |
Credible Rates: Private Student Loans
Credible’s network of private student loan lenders supports undergraduates, graduates, and long-term students with competitive options and flexible borrowing limits.
|
Lender |
Min Fixed |
Max Fixed | Min Variable | Max Variable | Loan Term | Loan Amount |
|
Abe |
3.39% | 15.00% | 4.13% | 15.36% | 5, 7, 10, 15, 20 yrs |
$1,000 to $99,999 |
| Ascent |
3.39% |
14.85% | 5.01% | 14.67% | 5, 7, 10, 12, 15, 20 yrs | $2,001 to $400,000 |
| 3.99% | 15.59% | 4.97% | 15.59% | 5, 10, 15 yrs |
$1,000 to $350,000 (depending on degree) |
|
| College Ave |
3.47% |
17.99% | 4.44% | 17.99% | 5, 8, 10, 15, 20 yrs | $1,000 up to 100% of the school-certified cost of attendance |
| Custom Choice | 4.24% | 14.04% | 4.44% | 14.08% | 7, 10, 15 yrs |
$1,000 to $99,999 annually ($180,000 aggregate limit) |
| ELFI |
3.69% |
14.22% | 5.00% | 13.97% | 5, 7, 10, 15 yrs | $1,000 up to 100% of the school-certified cost of attendance |
|
INvestEd |
4.62% | 8.58% | 7.15% | 11.20% | 5, 10, 15 yrs |
$1,001 up to 100% of school certified cost of attendance |
|
5.75% |
8.95% | n/a | n/a | 10, 15 yrs | $1,500 up to school’s certified cost of attendance less aid | |
|
Nelnet Bank |
3.47% | 8.79% | 5.81% | 8.79% | 5, 10, 15 yrs |
$1,000 to $500,000 (depending on degree) |
| Sallie Mae – UG |
3.49% |
15.49% | 4.54% | 14.71% | 10 – 20 yrs | $1,000 up to 100% of the school-certified cost of attendance |
|
SoFi |
3.54% | 15.99% | 4.64% | 15.99% | 5, 7, 10, 15 yrs |
$1,000 to $100,000 |
Credible Rates: Personal Loans
Credible’s personal loan lenders offer flexible terms and funding up to $200,000 to consolidate debt, make a significant purchase, or just about any other legal reason you’re looking to borrow money.
| Lender |
Min |
Max | Loan Term | Loan Amount |
| 9.95% | 35.99% | 2 – 5 yrs |
$2,000 to $35,000 |
|
| Best Egg |
6.99% |
35.99% | 2 – 5 yrs | $2,000 to $50,000 |
|
bhg |
9.96% | 23.48% | 3 – 10 yrs |
$20,000 to $200,000 |
| Citibank |
11.49% |
20.49% | 1 – 5 yrs | $2,000 to $30,000 |
|
Happy Money |
8.95% | 17.48% | 2 – 5 yrs |
$5,000 to $40,000 |
| LendingClub |
7.90% |
35.99% | 2 – 6 yrs | $1,000 to $40,000 |
| 6.49% | 25.29% | 2 – 7 yrs |
$5,000 to $100,000 |
|
| OneMain Financial |
18.00% |
35.99% | 2 – 5 yrs | $1,500 to $20,000 |
| 8.99% | 35.99% | 2 – 5 yrs |
$2,000 to $40,000 |
|
| Reach Financial |
7.99% |
35.99% | 2 – 5 yrs | $3,500 to $40,000 |
|
Reprise Financial |
9.99% | 35.99% | 3 – 5 yrs |
$2,500 to $25,000 |
| Rocket Loans |
9.12% |
29.99% | 3, 5 yrs | $2,000 to $45,000 |
| 8.99% | 29.99% | 2 – 7 yrs |
$5,000 to $100,000 |
|
| Splash |
7.99% |
17.97% | 3 – 6 yrs | $5,000 to $35,000 |
|
Universal Credit |
11.69% | 35.99% | 3 – 7 yrs |
$1,000 to $50,000 |
| Upgrade |
7.99% |
35.99% | 2 – 7 yrs | $1,000 to $50,000 |
| Upstart | 7.80% | 35.99% | 3 – 5 yrs |
$1,000 to $50,000 |
Rates Are Subject to Change
All interest rates and loan terms are current as of the date of publication but can change without notice. Visit our Credible review, Credible Student Loan Review, or Best Personal Loan Providers overview for more details.
Why Use Credible?
- Compare offers from multiple lenders in one place
- Prequalify without affecting your credit score
- No fees to use the service
- Transparent display of lender rates and terms
- Multiple loan types, terms, and details
Whether you’re looking to lower your monthly payments, cover educational expenses, or consolidate credit card debt, Credible offers a simplified way to explore your financing options.
Find more information here:
Disclosures
Personal Loans Rate and Terms Disclosure:
Rates for personal loans provided by lenders on the Credible platform range from 6.49% APR to 35.99% APR, with terms from 12 to 120 months. These rates may include discounts for enrolling in autopay or loyalty programs, where applicable. Actual rates may differ from those advertised, depending on the lender’s criteria, which can include factors such as credit score, loan amount, loan term, credit usage, and credit history. Additionally, rates may vary based on loan purpose. The lowest available rates typically require excellent credit, and in some cases, may be reserved for specific loan purposes or shorter loan terms.
Credible Personal Loan Origination Fees:
The origination fees charged by lenders on the Credible platform range from 0% to 12%. Each lender has its own qualification criteria for discounts (e.g., some require enrollment in autopay before loan funding to qualify for the autopay discount). All rates and terms are determined by the lender and must be agreed upon by the borrower and their chosen lender.
Example of a Credible Personal Loan Repayment Period:
For a $10,000 loan with a three-year repayment period, an interest rate of 7.99%, a $350 origination fee, and an APR of 10.43%, the borrower will receive $9,650 at the time of funding and make 36 monthly payments of $313.32.
Assuming all payments are made on time, and the borrower complies with the loan contract and any discount programs included in the APR or interest rate, the total amount paid over the life of the loan will be $11,279.43.
*Read rates and terms at Credible.com
