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First Premier Lending vs. Credible Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Personal Loans

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Personal Loans

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Car Loans

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Mortgages

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Student Loans

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Debt Relief

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Personal Loans drop-down-btn
Good For
Easy Short Term Personal Loans
Good For
Get Personalized Prequalified Rates
Min Credit Score
580
Min Credit Score
550
APR

5.99-35.99%

APR

6.99-35.99%

Loan Amount

$100-$20K

Loan Amount

$600-$100K

Lender Type
  • Marketplace
Lender Type
  • Marketplace
Loan Type
  • Unsecured Personal Loans
Loan Type
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans
  • Co-singer / Joint loans
Loan Purpose
  • Credit Card Refinance
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Relocation
  • Vacation
  • Wedding
Loan Purpose
  • Credit Card Refinance
  • Debt Consolidation
  • Home Improvement
  • Medical Expenses
  • Relocation
  • Vacation
  • Wedding
Repayment terms
2-72 months
Repayment terms
1-7 years
Soft Credit Pull
Yes
Soft Credit Pull
Yes
Pros
  • Unsecured personal loans ranging from $100 to $20,000
  • Lenders may work with borrowers with limited or poor credit and income
  • Member of the Online Lenders Alliance (OLA)
  • Receive funds in as little as one business day
Pros
  • Great for Comparing Lenders
  • Fast and Easy
  • Secure 256-bit encryption
Cons
  • cons Exact loan terms, rates, and requirements aren’t available until you apply with a direct lender
  • cons Very few reviews on trusted sites like BBB or Trustpilot
  • cons Limited customer service options
Cons
  • cons Fees Vary
  • cons Other Variable Info
  • cons Terms are Limited
Car Loans drop-down-btn
Good For
Get auto loans from top lenders
APR

4.60-35.99%

Repayment terms
1-7 Years
Min Credit Score
580
Loan Amount

$600-$100K

Lender Type
  • Marketplace
Prepayment Fee
None
Refinance APR

Min 4.60%

Soft Credit Pull
Yes
Pros
  • Simple, streamlined prequalification and application process
  • Live customer support (uncommon among loan marketplaces)
  • Several other loan types are available
Cons
  • cons No official auto purchase or refinancing loans — only personal loans
  • cons Not a direct lender
Not provided

Service isn't provided

Mortgages drop-down-btn
Good For
One Application, Multiple Lenders
Min Credit Score
620
APR

7.17-8.22%

Loan Type
  • Mortgage Purchase
  • Mortgage Refinance
  • Fixed
  • Adjustable
  • Home Improvement
  • Home Equity Loan
  • Home Equity Line of Credit
  • FHA
  • USDA
  • Jumbo
Prepayment Fee
Varies by lender
Origination Fee
Varies by lender
Pros
  • Secure and private loan application process
  • Neat layout and easy navigation
  • 3-minute application without hard check
Cons
  • cons Limited options for government backed home loans
  • cons Credible doesn’t operate in several large states
  • cons No face-to-face customer support
  • cons Poor after sale services
Not provided

Service isn't provided

Student Loans drop-down-btn
Good For
Honest Source for Personalized Prequalified Rates
Min Credit Score
660
Loan Amount

$5K-$500K

Fixed Rate
5.48-10.98%
Variable Rate
5.28-12.42%
Funding Time
20 days
Loan Type
  • Private student loans
  • Student loan refinance
Soft Credit Pull
Yes
Pros
  • 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
Cons
  • cons Same interest rate as going directly through lender
  • cons Those with high debt-to-income ratios may find it challenging to find a lender
Not provided

Service isn't provided

Debt Relief drop-down-btn
Good For
Free to Use, No Hidden Fees
Minimum Debt Amount

$600

Free Consultation
Yes
Soft Credit Pull
N/A
Pros
  • Great for Comparing Lenders
  • Fast and Easy
  • Secure 256-bit encryption
Cons
  • cons Fees Vary
  • cons Other Variable Info
  • cons Terms are Limited
Not provided

Service isn't provided

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