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From: "Personal Loans @ Credible" <support@email.credible.com>
To: <tjphuhs@gmail.com>
Subject: Reminder: Timothy, see what a personal loan can do for you
Date: Wed, 13 May 2026 11:18:39 -0600
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  Credible | Reminder: Timothy, see what a personal loan can do for you  
 
 
 Dream BIG with a low-interest personal loan through Credible
 
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View in browser 

 
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 Personal loan rates start at 6.60% FIXED APR1

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Get prequalified  for a low-interest personal loan and start reaching your goals today
 

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 Check My Rates
  

 Let your imagination run financially free! Whether you want to pay off high-interest credit card debt, finance a new car or upgrade your kitchen, a low-interest personal loan can get you the funds you need.
 

 With Credible, turning your financial dreams into reality is as easy as:
 
Getting prequalified for rates — it only takes 2 minutes

Comparing your loan options from multiple lenders

Selecting the loan that works for you

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 Check My Rates
  
P.S. Checking your prequalified rates with Credible doesn’t affect your credit score, and it’s free. 
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Get started now .
 Sincerely,
The Credible Team

 
 
Questions? We're here to help.
Our Credible Team would be happy to assist you!

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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.
 



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        Dream BIG with a low-interest personal loan through Credible
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        Personal loan rates start at 6.60% FIXED APR<sup style="font-size: 55%;">1</sup>
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        Let your imagination run financially free! Whether you want to pay off high-interest credit card debt, finance a new car or upgrade your kitchen, <span style="font-weight: 600;">a low-interest personal loan can get you the funds you need</span>.
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        With Credible, turning your financial dreams into reality is as easy as:
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            <td style="padding-bottom:5px; padding-left:12px; font-size:16px; line-height:24px; color:#404040;">Getting prequalified for rates — it only takes 2 minutes</td>
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            <td style="padding-bottom:5px; padding-left:12px; font-size:16px; line-height:24px; color:#404040;">Comparing your loan options from multiple lenders</td>
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            <td style="padding-left:12px; font-size:16px; line-height:24px; color:#404040;">Selecting the loan that works for you</td>
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         <span style="font-weight:600;">P.S.</span> Checking your prequalified rates with Credible doesn’t affect your credit score, and it’s free. <a href="https://click.email.credible.com/?qs=ABB7InYiOjEsImQiOjQ4NzV9AAoAAAAAANEibPHO6Bshkl-GoayETKepVnrcNEEBHM_oBkHtrfeZTHc7bv3TDXZYV0nH-HURNk1T1ax05AdYQ9nKizOgmfGS4FX4QhpMqEOqj4x42h81DTPc" style="color:#2F7B8A; text-decoration:none; border-bottom:1px dotted #2F7B8A; font-weight:600;">Get started now</a>.
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        <br> 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.<br><br>
        <sup style="font-size: 65%;">1</sup> Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 5.96% - 35.99% APR with terms from 12 to 120 months. Where relevant, Credible may also share your request with Home Equity Loan and/or Line of Credit Providers to provide additional options. Credible also works with network Partners like AmONE, <a href='https://www.credible.com/lending-partners' style='color:#404040;display: inline-block;' target='_blank'>Alternative Providers
</a>, and non-lender providers who offer loans and other products with different rates and terms than described here. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 15%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender
 and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three-year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32, assuming your lender deducts the origination fee from the offered loan amount. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.

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Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well-qualified borrower with an excellent credit profile. Not all lending partners who participate on the Credible Marketplace are available at a given time. Some options may be unavailable due to periodic product testing.

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To check the rates and terms you may prequalify for, Credible conducts a soft credit pull that will not affect your credit score. If you choose a lender and continue with your application, the lender will usually conduct a hard credit pull that may impact your credit score.

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Debt consolidation and credit card refinancing involve using a new loan to pay off your existing balance. This does not eliminate debt, but replaces one debt with another. While personal loan rates generally are lower than credit card interest rates, you may pay more in origination fees and interest over the life of the loan depending on other loan terms. Please consult a financial advisor to determine if refinancing or consolidating is right for you.
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