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This means Credible’s borrowing from the bank query won’t affect your credit rating or credit history Reputable Feedback With Reputable, individuals may multiple even offers out of other student loan re-finance companies of the filling in you to mode rather than impacting their credit rating. But not, as with any financing industries, when you are getting now offers you will have to go through the information of each and every you to definitely get the best student loan alternative. Multiple lender choices. You can get loan quotes from as many as 10 different refinancing lenders by submitting one single online application and without having a hard credit check done. You can then evaluate which lender offers the best student loan options, and finish the application directly with the lender. Aggressive interest levels. Credible’s lending partners can offer loans with interest rates starting as low as 2.79% APR (with autopay)* and 2.25% Var. APR (with autopay). You’ll also be able to choose between fixed and variable rate options. Ideal rates guarantee. Credible will give you a $200 gift card if you find a better rate and close a loan with another lender (as long as the lender isn’t on the Credible website). Acceptance is not protected. Each one of Credible’s lending partners will have their own financial criteria for eligibility. Getting an initial offer does not guarantee you’ll meet the lender’s income or debt-to-income ratio requirements. While applying for a quote with Credible won’t affect your credit score, applying to individual student loan lenders will, as they will do a hard credit check. Make sure you meet the lender requirements before applying. Specific loan providers only operate in certain says. Some of Credible’s lenders are not available in all states. In fact, one lender (Advantage Education Loan) is only available to residents of Kentucky, while another (Brazos) is only available to residents of Texas.