Following up: Timothy, see what a personal loan can do for you

Following up: Timothy, see what a personal loan can do for you
From: Personal Loans @ Credible"
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Account: tjphuhs@gmail.com
Date: 5/9/2026, 11:23:44 AM
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Dream BIG with a low-interest personal loan through Credible View in browser Credible Personal loan rates start at 6.60% FIXED APR 1 Get prequalified for a low-interest personal loan and start reaching

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  Credible | Following up: Timothy, see what a personal loan can do for you  
 
 
 Dream BIG with a low-interest personal loan through Credible
 
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 Personal loan rates start at 6.60% FIXED APR1

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 Requesting prequalified rates is free and doesn't affect your credit score. However, applying for a loan will involve a hard credit pull that impacts your credit score, and closing a loan will result in costs to you.

1 Personal<br><br>Loans<br><br>Rate<br><br>and<br><br>Terms<br><br>Disclosure:<br><br>Rates<br><br>for<br><br>personal<br><br>loans<br><br>provided<br><br>by<br><br>lenders<br><br>on<br><br>the<br><br>Credible<br><br>platform<br><br>range<br><br>between<br><br>5.96%<br><br>-<br><br>35.99%<br><br>APR<br><br>with<br><br>terms<br><br>from<br><br>12<br><br>to<br><br>120<br><br>months.<br><br>Where<br><br>relevant,<br><br>Credible<br><br>may<br><br>also<br><br>share<br><br>your<br><br>request<br><br>with<br><br>Home<br><br>Equity<br><br>Loan<br><br>and/or<br><br>Line<br><br>of<br><br>Credit<br><br>Providers<br><br>to<br><br>provide<br><br>additional<br><br>options.<br><br>Credible<br><br>also<br><br>works<br><br>with<br><br>network<br><br>Partners<br><br>like<br><br>AmONE,<br><br>[Alternative<br><br>Providers](https://www.credible.com/lending-partners),<br><br>and<br><br>non-lender<br><br>providers<br><br>who<br><br>offer<br><br>loans<br><br>and<br><br>other<br>
<br>products<br><br>with<br><br>different<br><br>rates<br><br>and<br><br>terms<br><br>than<br><br>described<br><br>here.<br><br>Rates<br><br>presented<br><br>include<br><br>lender<br><br>discounts<br><br>for<br><br>enrolling<br><br>in<br><br>autopay<br><br>and<br><br>loyalty<br><br>programs,<br><br>where<br><br>applicable.<br><br>Actual<br><br>rates<br><br>may<br><br>be<br><br>different<br><br>from<br><br>the<br><br>rates<br><br>advertised<br><br>and/or<br><br>shown<br><br>and<br><br>will<br><br>be<br><br>based<br><br>on<br><br>the<br><br>lender’s<br><br>eligibility<br><br>criteria,<br><br>which<br><br>include<br><br>factors<br><br>such<br><br>as<br><br>credit<br><br>score,<br><br>loan<br><br>amount,<br><br>loan<br><br>term,<br><br>credit<br><br>usage<br><br>and<br><br>history,<br><br>and<br><br>vary<br><br>based<br><br>on<br><br>loan<br><br>purpose.<br><br>The<br><br>lowest<br><br>rates<br><br>available<br><br>typically<br><br>require<br><br>excellent<br>
<br>credit,<br><br>and<br><br>for<br><br>some<br><br>lenders,<br><br>may<br><br>be<br><br>reserved<br><br>for<br><br>specific<br><br>loan<br><br>purposes<br><br>and/or<br><br>shorter<br><br>loan<br><br>terms.<br><br>The<br><br>origination<br><br>fee<br><br>charged<br><br>by<br><br>the<br><br>lenders<br><br>on<br><br>our<br><br>platform<br><br>ranges<br><br>from<br><br>0%<br><br>to<br><br>15%.<br><br>Each<br><br>lender<br><br>has<br><br>their<br><br>own<br><br>qualification<br><br>criteria<br><br>with<br><br>respect<br><br>to<br><br>their<br><br>autopay<br><br>and<br><br>loyalty<br><br>discounts<br><br>(e.g.,<br><br>some<br><br>lenders<br><br>require<br><br>the<br><br>borrower<br><br>to<br><br>elect<br><br>autopay<br><br>prior<br><br>to<br><br>loan<br><br>funding<br><br>in<br><br>order<br><br>to<br><br>qualify<br><br>for<br><br>the<br><br>autopay<br><br>discount).<br><br>All<br><br>rates<br><br>are<br><br>determined<br><br>by<br><br>the<br><br>lender<br><br>and<br>
<br>must<br><br>be<br><br>agreed<br><br>upon<br><br>between<br><br>the<br><br>borrower<br><br>and<br><br>the<br><br>borrower’s<br><br>chosen<br><br>lender.<br><br>For<br><br>a<br><br>loan<br><br>of<br><br>$10,000<br><br>with<br><br>a<br><br>three-year<br><br>repayment<br><br>period,<br><br>an<br><br>interest<br><br>rate<br><br>of<br><br>7.99%,<br><br>a<br><br>$350<br><br>origination<br><br>fee<br><br>and<br><br>an<br><br>APR<br><br>of<br><br>10.43%,<br><br>the<br><br>borrower<br><br>will<br><br>receive<br><br>$9,650<br><br>at<br><br>the<br><br>time<br><br>of<br><br>loan<br><br>funding<br><br>and<br><br>will<br><br>make<br><br>36<br><br>monthly<br><br>payments<br><br>of<br><br>$313.32,<br><br>assuming<br><br>your<br><br>lender<br><br>deducts<br><br>the<br><br>origination<br><br>fee<br><br>from<br><br>the<br><br>offered<br><br>loan<br><br>amount.<br><br>Assuming<br><br>all<br><br>on-time<br><br>payments,<br><br>and<br><br>full<br><br>performance<br><br>of<br><br>all
<br><br>terms<br><br>and<br><br>conditions<br><br>of<br><br>the<br><br>loan<br><br>contract<br><br>and<br><br>any<br><br>discount<br><br>programs<br><br>enrolled<br><br>in<br><br>included<br><br>in<br><br>the<br><br>APR/interest<br><br>rate<br><br>throughout<br><br>the<br><br>life<br><br>of<br><br>the<br><br>loan,<br><br>the<br><br>borrower<br><br>will<br><br>pay<br><br>a<br><br>total<br><br>of<br><br>$11,279.43.<br><br>As<br><br>of<br><br>March<br><br>3,<br><br>2022,<br><br>none<br><br>of<br><br>the<br><br>lenders<br><br>on<br><br>our<br><br>platform<br><br>require<br><br>a<br><br>down<br><br>payment<br><br>nor<br><br>do<br><br>they<br><br>charge<br><br>any<br><br>prepayment<br><br>penalties.

&nbsp;

Prequalified<br><br>rates<br><br>are<br><br>based<br><br>on<br><br>the<br><br>information<br><br>you<br><br>provide<br><br>and<br><br>a<br><br>soft<br><br>credit<br><br>inquiry.<br><br>Receiving<br><br>prequalified<br><br>rates<br><br>does<br><br>not<br><br>guarantee<br><br>that<br><br>the<br><br>Lender<br><br>will<br><br>extend<br><br>you<br><br>an<br><br>offer<br><br>of<br><br>credit.<br><br>You<br><br>are<br><br>not<br><br>yet<br><br>approved<br><br>for<br><br>a<br><br>loan<br><br>or<br><br>a<br><br>specific<br><br>rate.<br><br>All<br><br>credit<br><br>decisions,<br><br>including<br><br>loan<br><br>approval,<br><br>if<br><br>any,<br><br>are<br><br>determined<br><br>by<br><br>Lenders,<br><br>in<br><br>their<br><br>sole<br><br>discretion.<br><br>Lowest<br><br>rate<br><br>advertised<br><br>is<br><br>not<br><br>available<br><br>for<br><br>all<br><br>loan<br><br>sizes,<br><br>types,<br><br>or<br><br>purposes,<br><br>and<br><br>assumes<br><br>a<br><br>very<br>
<br>well-qualified<br><br>borrower<br><br>with<br><br>an<br><br>excellent<br><br>credit<br><br>profile.<br><br>Not<br><br>all<br><br>lending<br><br>partners<br><br>who<br><br>participate<br><br>on<br><br>the<br><br>Credible<br><br>Marketplace<br><br>are<br><br>available<br><br>at<br><br>a<br><br>given<br><br>time.<br><br>Some<br><br>options<br><br>may<br><br>be<br><br>unavailable<br><br>due<br><br>to<br><br>periodic<br><br>product<br><br>testing.

&nbsp;

To<br><br>check<br><br>the<br><br>rates<br><br>and<br><br>terms<br><br>you<br><br>may<br><br>prequalify<br><br>for,<br><br>Credible<br><br>conducts<br><br>a<br><br>soft<br><br>credit<br><br>pull<br><br>that<br><br>will<br><br>not<br><br>affect<br><br>your<br><br>credit<br><br>score.<br><br>If<br><br>you<br><br>choose<br><br>a<br><br>lender<br><br>and<br><br>continue<br><br>with<br><br>your<br><br>application,<br><br>the<br><br>lender<br><br>will<br><br>usually<br><br>conduct<br><br>a<br><br>hard<br><br>credit<br><br>pull<br><br>that<br><br>may<br><br>impact<br><br>your<br><br>credit<br><br>score.

&nbsp;

Debt<br><br>consolidation<br><br>and<br><br>credit<br><br>card<br><br>refinancing<br><br>involve<br><br>using<br><br>a<br><br>new<br><br>loan<br><br>to<br><br>pay<br><br>off<br><br>your<br><br>existing<br><br>balance.<br><br>This<br><br>does<br><br>not<br><br>eliminate<br><br>debt,<br><br>but<br><br>replaces<br><br>one<br><br>debt<br><br>with<br><br>another.<br><br>While<br><br>personal<br><br>loan<br><br>rates<br><br>generally<br><br>are<br><br>lower<br><br>than<br><br>credit<br><br>card<br><br>interest<br><br>rates,<br><br>you<br><br>may<br><br>pay<br><br>more<br><br>in<br><br>origination<br><br>fees<br><br>and<br><br>interest<br><br>over<br><br>the<br><br>life<br><br>of<br><br>the<br><br>loan<br><br>depending<br><br>on<br><br>other<br><br>loan<br><br>terms.<br><br>Please<br><br>consult<br><br>a<br><br>financial<br><br>advisor<br><br>to<br><br>determine<br><br>if<br><br>refinancing<br><br>or<br><br>consolidating<br><br>is<br><br>right<br><br>for<br><br>you.