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Credible Product Profile
The mortgage rate comparison tool that pulls real pre-qualified rates — not estimates
Editorial review record is being refreshed.
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Credible
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The Bottom Line
Credible is The mortgage rate comparison tool that pulls real pre-qualified rates — not estimates. This profile summarizes the product's current positioning, available features, pricing notes, and primary sources while the independent editorial review record is being refreshed.
What is Credible?
Credible was founded in 2012 by Stephen Dash in San Francisco as a student loan refinancing marketplace. It expanded into mortgages, personal loans, credit cards, and insurance comparison. Credible was acquired by News Corporation / Fox Corporation in 2019 for $397M, giving it the distribution of Fox Business and MarketWatch for financial content. It operates as an independent platform within News Corp's financial media portfolio.
What does Credible offer?
Credible's mortgage product covers purchase loans and refinances with rates displayed upfront from partner lenders. The soft pull pre-qualification shows actual rates you'd be offered — not generic estimates. Side-by-side comparison of rate, APR, monthly payment, total interest, and lender fees. Credible earns a referral fee when you connect to a lender — free to the borrower. The Best Rate Guarantee: if you find a lower rate after using Credible, they'll pay the difference (up to $500). Student loan refinance, personal loan, and auto loan comparisons also available in the same dashboard.
Free rate comparison
$0
/one-time
Editorial assessment refresh
We are re-sourcing our prior score and tier before publishing a numerical rating or testing claim for this product. The product details, pricing notes, and linked sources remain available while that work is completed.
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Get Credible →Frequently Asked Questions
Is Credible worth it in 2026?
Credible has a current product profile, but we are not publishing an independent value verdict until its editorial review record is sourced. Confirm current pricing, limits, and fit with the provider.
What is Credible best for?
Credible is best for: Borrowers who want to comparison shop without their phone blowing up from lender calls, Rate shoppers who want transparent, real pre-qualified offers before committing to anything, Anyone who needs to compare multiple loan types (mortgage + student loan refi) in one place.
Does Credible have a free plan?
Yes — Credible offers a free tier: Completely free — Credible earns from lenders, not borrowers.
What are the best Credible alternatives?
Top alternatives to Credible include lendingtree, rocket-mortgage, better-com.
Review the current product details and sources above, then confirm plan limits and pricing directly with the provider before choosing a plan.
Get Credible →Free tier available — no credit card required