Credible Blog

Credible Labs Inc., often referred to as Credible, is a financial tech firm based in San Francisco. It operates through its subsidiary, Credible Operations, Inc. The company provides an online platform where users can compare and refinance various loans, mortgages, and other financial services from different lenders. In 2019, Credible became part of the Fox Corporation family as a subsidiary.

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Best Debt Consolidation Loans for Fair Credit, April 2025

1 week ago | credible.com | Meredith Mangan

With a debt consolidation loan, you can lower your monthly payments on existing debt and possibly get a lower interest rate as well, saving you money in the long run. But if you have fair credit, it’s not a sure thing that you’ll qualify for a debt consolidation loan. To help, we’ve compiled a list of the best personal loans for fair credit that you can use for debt consolidation and credit card refinancing. We’ll also provide tips on how to improve your application and lower your rate.
Best Vacation Loans in March 2025

1 month ago | credible.com | Timothy Moore

Everyone deserves some rest and relaxation, but what if you don’t have the cash on hand for a vacation? Rewards credit cards and payment plans offered by travel destinations may be viable options, but one of the most affordable ways to finance your travel is with a vacation loan. Our experts researched the best personal loans for vacations and chose Upgrade as the top pick, based on competitive interest rates, high loan amounts, fast funding, long repayment terms, and an autopay discount.
RV Loans Help Finance the Journey

1 month ago | credible.com | Jessica Walrack

Are you dreaming of hitting the open road with a home on wheels? With the help of recreational vehicle (RV) financing, you can bring that dream to life sooner rather than later. But how do RV loans work, where can you get one, and will you qualify? Here’s what you need to know. What is an RV loan? An RV loan is an installment loan that covers the cost of a recreational vehicle.
Current Private and Federal Student Loan Interest Rates and Trends

1 month ago | credible.com | Lisa Davis

Check out average private student loan rates, updated weekly. How do your student loans compare?
How and Where To Get a 500 Credit Score Loan

2 months ago | credible.com | Jessica Walrack

To get a 500 credit score loan, you need to know where to look and how to improve your application. Also consider alternatives if you can’t qualify.
Personal Loan With a 550 Credit Score: Can I Get One?

2 months ago | credible.com | Tim Maxwell

Getting a personal loan with bad credit can be hard, but it’s not impossible. Learn how and where to get a personal loan with a 550 credit score here.
How Much Is a $30,000 Student Loan per Month?

2 months ago | credible.com | Christy Bieber

Credible takeawaysYour interest rate and repayment term are the two main factors that determine your monthly payment on a $30,000 loan. A longer repayment term will have lower monthly payments but higher total interest costs, while a shorter term will have higher monthly payments but will cost less in interest. Consolidating federal student loans or refinancing private student loans can help you change your loan terms. Many students who attend college must take out loans to do so.
Best Emergency Loans of February 2025

2 months ago | credible.com | Meredith Mangan

Personal loans make the best emergency loans. They have lower monthly payments, higher loan amounts, lower annual percentage rates (APRs), and longer repayment terms than other types of emergency loans like payday or title loans. Plus, they can improve your credit if you repay them on time. Upgrade is our top lender for fast emergency loans — it offers next-day funding and a host of other perks for fair credit borrowers.
Today's 15-year mortgage interest rates climb to 6.13%, while 30-year terms remain 6.88%

2 months ago | credible.com | Daria Uhlig

The median interest rate on a 30-year fixed-rate mortgage is 6.88% as of February 12, which is unchanged from yesterday. Additionally, the median interest rate on a 15-year fixed-rate mortgage is 6.13%, which is 0.14 percentage points higher than yesterday. After three consecutive cuts last year, the Federal Reserve opted not to cut its key interest rate last month, maintaining the current 4.25% to 4.50% range.
Guide To Changing Your Student Loan Repayment Plan

2 months ago | credible.com | Christy Bieber

You can change your student loan repayment plan anytime if you have federal loans. You typically can't change your repayment plan if you have private student loans, but you can contact your lender to ask. You can use the Department of Education's loan simulator tool to compare different student loan repayment plans.