Bankrate vs. Credible Comparison

7.99-29.99%

6.99-35.99%

$600-$100K

$600-$100K

• Marketplace

• Marketplace

• Secured Personal Loans
• Unsecured Personal Loans
• Fixed-Rate Personal Loans
• Variable-Rate Personal Loans
• Co-singer / Joint loans

• Unsecured Personal Loans
• Fixed-Rate Personal Loans
• Variable-Rate Personal Loans
• Co-singer / Joint loans

• Car
• Credit Card Refinance
• Debt Consolidation
• Home Improvement
• Major Purchase
• Medical Expenses
• Household Expenses
• Relocation
• Car Bike Loans
• Vacation
• Wedding
• Other

• Credit Card Refinance
• Debt Consolidation
• Home Improvement
• Medical Expenses
• Relocation
• Vacation
• Wedding

• Deals with trustworthy lenders
• Wide range of personal loans to check out
• Easy to use comparison tool
• More than four decades of experience

• Great for Comparing Lenders
• Fast and Easy
• Secure 256-bit encryption

• Not a direct lender
• No live chat

• Fees Vary
• Other Variable Info
• Terms are Limited

3.43-7.18%

7.17-8.22%

Min 2%

• Mortgage Purchase
• Mortgage Refinance
• Fixed
• Adjustable
• Home Improvement
• Home Equity Loan
• Home Equity Line of Credit
• FHA
• USDA
• VA
• Jumbo

• Mortgage Purchase
• Mortgage Refinance
• Fixed
• Adjustable
• Home Improvement
• Home Equity Loan
• Home Equity Line of Credit
• FHA
• USDA
• Jumbo

• Comprehensive online marketplace with many lenders to compare
• Simple application process
• Up-to-date information on mortgage rates and lenders available

• Secure and private loan application process
• Neat layout and easy navigation
• 3-minute application without hard check

• Website can be tricky to navigate and find specific information about mortgage loans
• Loan rates, terms, and eligibility vary widely across lenders – specifics aren’t always available
• Doesn’t contain all home loan types – ex. Jumbo loans

• Limited options for government backed home loans
• Credible doesn’t operate in several large states
• No face-to-face customer support
• Poor after sale services

$1K

$600

• Personalized comparison tool
• Helpful for comparing loans from many reputable lenders
• Prequalification provides an overview of eligible loans and their terms
• Options available for those with limited credit history

• Great for Comparing Lenders
• Fast and Easy
• Secure 256-bit encryption

• You must create an account before you can compare your loan options
• Loan terms vary depending on the lender
• Specific fees depend on the lender

• Fees Vary
• Other Variable Info
• Terms are Limited

4.60-35.99%

$600-$100K

• Marketplace

Min 4.60%

• Simple, streamlined prequalification and application process
• Live customer support (uncommon among loan marketplaces)
• Several other loan types are available

• No official auto purchase or refinancing loans — only personal loans
• Not a direct lender

$5K-$500K

• Private student loans
• Student loan refinance

• Can refinance Parent PLUS loans
• Quickly compare multiple lending partners on a single platform
• Get your rate and find out if you qualify with a soft credit pull
• Some lending partners will refinance student loans without a degree

• Same interest rate as going directly through lender
• Those with high debt-to-income ratios may find it challenging to find a lender