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Mission and Editorial Guidelines

Our mission

Our mission is to empower you with the information you need to make informed financial decisions. To do this, we:

  • Provide in-depth explainers and guides written, edited, and reviewed by loan experts.
  • Leverage our library of internal loan and lender data to build multi-point methodologies for mortgages, personal loans, and student loans.
  • Use these methodologies to create data-driven lender comparisons, "best loans" articles, and unbiased lender reviews.

We also:

  • Offer free personalized rate quotes for mortgages, personal loans, and student loans from dozens of lenders, with no credit impact.*
  • Protect your personal information with 256 bit encryption.

We never sell your data to lenders.

Learn more about how Credible is different.

Our promise to our readers

Our writers and editors are financial experts in their fields who aim to give you all the information you need to successfully navigate your financial journey. We are dedicated to helping you understand your options so you can make smart decisions about your money.

While we feature products from our partners, our guidance is unbiased and opinions are our own, not dictated by our partner lenders.

We promise to:

  • Offer unbiased guidance.
  • Create content for a diverse range of credit and financial profiles.
  • Thoroughly fact-check content for accuracy.
  • Regularly update content to reflect changes to interest rates, loan products, lenders, and the larger economic environment.

Best lenders methodology

Credible's "best" lenders are evaluated through the analysis of hundreds of loan and lender data points across multiple categories to identify the "best companies" for private student loans, personal loans, mortgage purchases, mortgage refinancing, and student loan refinancing.

We collect and analyze each lender's interest rates, repayment terms, repayment options, loan amounts, minimum credit score requirements, minimum income requirements, fees, discounts, customer service availability, customer service ratings, funding times, cosigner options, availability to borrowers with bad credit and fair credit, and more.

We also consider each company's statewide availability, general eligibility requirements, whether the minimum credit score is advertised publicly, and whether consumers can request rates with a soft credit check.

Data points are compared across lenders, contributing to each lender's overall score, and weighted according to importance.

How to contact us

You can reach out to our editorial team with feedback, questions, or story ideas by emailing: [email protected].

Although we do read each email, we won't always be able to respond. But all of your comments and suggestions are reviewed and considered.

*Most lenders will conduct a hard credit check when you formally apply for a loan which could temporarily lower your credit score.