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Best Mastercard Credit Cards of June 2020

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Mastercard is a 50-plus year-old credit card network that facilitates transactions between merchants and card issuers, while providing extensive benefits to its cardholders, including Priceless dining and entertainment experiences.

Well-known Mastercards are primarily issued by Citi, with some offered by other major banks, such as Capital One. There are also dozens of Mastercards issued by credit unions, such as Navy Federal Credit Union, and smaller banks like Commerce Bank.

All Mastercards are designated a certain tier — Standard, World and World Elite — that provide various added perks that range from $0 liability protection to free two-day shipping with ShopRunner. The tier you receive varies by credit card, but you’ll typically need to pay a higher annual fee to benefit from a higher tier.

Beyond tiers, Mastercard holders can earn competitive rewards, benefit from no annual fees and even pay off debt with an intro 0% APR depending on which card you have.

Below, CNBC Select breaks down the best Mastercard credit cards in six categories, so you can choose the best card for your needs.

Best Mastercard credit cards

Best no-annual-fee Mastercard

Citi Rewards+℠ Card

Citi Rewards+℠ Card

On Citi’s secure site

  • Rewards

    Earn 2X ThankYou® points at supermarkets and gas stations for the first $6,000 per year and then 1X points thereafter. Plus, earn 1X points on all other purchases

  • Welcome bonus

    Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening

  • Annual fee

  • Intro APR

    0% APR for the first 15 months on purchases; 0% APR for 15 months on balance transfers from date of first transfer

  • Regular APR

    13.49% – 23.49% variable on purchases and balance transfers

  • Balance transfer fee

    3% of each balance transfer; $5 minimum

  • Foreign transaction fee

  • Credit needed

Pros

  • All purchases round up to the nearest 10 points
  • Get 10% points back on all of your redemptions for the first 100,000 ThankYou® Points you redeem each year
  • Special financing offer for new purchases and balance transfers

Cons

  • 3% fee on purchases made outside the U.S.
  • Estimated rewards earned after 1 year: $431
  • Estimated rewards earned after 5 years: $1,556

Rewards totals incorporate the points earned from the welcome bonus

Who’s this for? The Citi Rewards+℠ Card is one of the most unique no-annual-fee cards around. Cardholders who frequently make small purchases can benefit from this card’s “round up” feature that automatically rounds up to the nearest 10 points on every purchase. That means a $1 bag of chips earns 10 points, compared to only earning one point without this benefit.

The Citi Rewards+ Card also gives you 10% of your points back for the first 100,000 ThankYou® Points you redeem per year. For instance, if you redeem 25,000 points in a year, you get 2,500 of those points back, which is enough for a $25 gift card. Likewise, if you redeem150,000 points in your first year, you’ll get 10,000 points back, equating to $100.

Beyond unique perks, cardholders earn 2X ThankYou® points at supermarkets and gas stations for the first $6,000 per year and then 1X points thereafter. Plus, you earn 1X points on all other purchases.

This card offers a competitive 0% APR for the first 15 months from account opening on purchases and no interest for 15 months on balance transfers from date of first transfer (after 13.49% to 23.49% variable APR). Take note, there’s a 3% balance transfer; $5 minimum.

Best cash-back Mastercard

Citi® Double Cash Card

Citi® Double Cash Card

On Citi’s secure site

  • Rewards

    2% cash back: 1% on all purchases and an additional 1% after you pay your credit card bill

  • Welcome bonus

  • Annual fee

  • Intro APR

    0% for the first 18 months on balance transfers; N/A for purchases

  • Regular APR

    13.99% – 23.99% variable on purchases and balance transfers

  • Balance transfer fee

  • Foreign transaction fee

  • Credit needed

Pros

  • 2% cash back on all purchases
  • Simple cash-back program that doesn’t require activation or spending caps
  • One of the longest intro periods for balance transfers at 18 months

Cons

  • No welcome bonus, so you can’t maximize rewards during the first few months of card opening
  • Minimum cash-back redemption of $25
  • 3% fee charged on purchases made outside the U.S.
  • Estimated rewards earned after 1 year: $437
  • Estimated rewards earned after 5 years: $2,185

Who’s this for? The Citi® Double Cash Card is one of the best cash-back credit cards, and it has been since it launched in 2014. Cardholders earn 2% cash back on every purchase: unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

This is a simple way to earn generous rewards on everyday spending without the hassle of keeping track of bonus categories.

Plus this card offers a long 18-month 0% APR on balance transfers (then 13.99% to 23.99% variable APR). While you’ll have to pay a 3% balance transfer fee (minimum $5), it’s similar to other cards.

This card also has no annual fee, and Citi will waive your first late fee — but you’ll still want to set up autopay so you avoid interest charges and future late fees. You’ll also receive access to Citi® Identity Theft Solutions, a service that will help you if you’re a victim of identity theft.

Best travel Mastercard

Citi Premier℠ Card

Citi Premier℠ Card

Information about the Citi Premier℠ Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the cards prior to publication.

  • Rewards

    3X points on travel including gas stations, 2X points at restaurants and on entertainment, 1X points on all other purchases

  • Welcome bonus

    60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening (worth $750 in airfare)

  • Annual fee

  • Intro APR

  • Regular APR

    15.99% to 23.99% variable APR on purchases and balance transfers

  • Balance transfer fee

  • Foreign transaction fee

  • Credit needed

Pros

  • Unlimited 3X points at gas stations
  • Points are worth 25% more on airfare when booked at thankyou.com
  • No foreign transaction fees

Cons

  • $95 annual fee
  • No special financing offers
  • Estimated rewards earned after 1 year: $858
  • Estimated rewards earned after 5 years: $2,125

Rewards totals incorporate the rewards earned from the welcome bonus

Who’s this for? Frequent travelers can benefit from the Citi Premier℠ Card with 3X points on travel such as airfare, hotel stays and at gas stations. Plus this card recently got a revamp and cardholders now earn 3X points at restaurants and supermarkets (up from 2X and 1X, respectively).

Starting August 23, 2020, cardholders can qualify to receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) once per calendar year on bookings through thankyou.com.

The Citi Premier Card has a $95 annual fee, but that’s in line with other travel cards and cheaper than luxury cards which can cost hundreds, such as the $495 annual fee Citi Prestige® Card. This card has no foreign transaction fee, so you can benefit from using it abroad without the typical 3% fee.

This card has been known for offering 25% more value on points redeemed for airfare, hotels, cruises and car rentals through the ThankYou Travel Center, though this perk will end April 9, 2021.

Best balance transfer Mastercard

Citi Simplicity® Card – No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

Information about the Citi Simplicity® Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication.

  • Rewards

  • Welcome bonus

  • Annual fee

  • Intro APR

    0% for the first 21 months on balance transfers and 0% for the first 12 months on purchases

  • Regular APR

    14.74% to 24.74% variable

  • Balance transfer fee

  • Foreign transaction fee

  • Credit needed

Pros

  • 21 months of no interest on balance transfers
  • No annual fee
  • Balances can be transferred within 4 months from account opening
  • 12 months of no interest on purchases

Cons

  • 3% foreign transaction fee
  • No rewards program
  • Transfer timeline: Balances must be transferred within 4 months from account opening
  • Estimated total fees and interest on debt repayment: $476

Who’s this for? The Citi Simplicity® Card offers the longest balance transfer intro period at 0% for the first 21 months (then 14.74% to 24.74% variable APR). This intro period is longer than any other balance transfer card and can provide you with nearly two years to pay off a large balance.

There is a higher than usual balance transfer fee of 5% (minimum $5), but it can be worthwhile if you’re paying high interest charges and need more than the usual 12-, 15- and 18-month periods. 

New cardholders have four months to complete their balance transfer (longer than the typical 60 to 90 days), but the intro APR period starts at account opening — so aim to transfer your debt as soon as possible.

Beyond a balance transfer intro period, this card offers a 0% APR for the first 12 months on purchases (then 14.74% to 24.74% variable APR), has no annual fee and never charges late fees. One thing this card is lacking, however, is a rewards program. But if you’re goal is to get out of debt, that shouldn’t be an issue.

Best student Mastercard

Deserve® EDU Mastercard for Students

Deserve® EDU Mastercard for Students

On Deserve’s secure site

  • Rewards

    1% cash back on all purchases

  • Welcome bonus

  • Annual fee

  • Intro APR

  • Regular APR

  • Balance transfer fee

    N/A, balance transfers are not available

  • Foreign transaction fee

  • Credit needed

Pros

  • Free year of Amazon Prime Student (up to $59)
  • No social security number needed to apply, perfect for international students
  • No credit history required, great for credit newbies
  • No foreign transaction fees

Cons

  • No special financing offers
  • No welcome bonus

Who’s this for? The Deserve® EDU Mastercard for Students is a rare college student card that offers top-notch perks and lets international students without social security numbers qualify. You earn 1% cash back on all purchases, which is decent for a student card.

Cardholders also receive a year of Amazon Prime Student for free — valued at $59 — which is a great money-saving perk that provides free two-day and same-day shipping, discounts at Whole Foods and access to Prime Video.

You can also benefit from cell phone protection, an auto rental collision damage waiver and no foreign transaction fees — which can save you money if you drop your phone or travel.

Similar to most other college student cards, you must be over 18 and enrolled in college to qualify. Plus you’ll need a U.S. bank account.

Best Mastercard for bad credit 

Capital One® Secured Mastercard®

Capital One® Secured Mastercard®

Information about the Capital One® Secured Mastercard® has been collected independently by CNBC and has not been reviewed or provided by the issuer of the cards prior to publication.

  • Rewards

    This card doesn’t offer cash back, points or miles

  • Welcome bonus

  • Annual fee

  • Intro APR

    N/A for purchases and balance transfers

  • Regular APR

    26.99% variable on purchases and balance transfers

  • Balance transfer fee

  • Foreign transaction fee

  • Credit needed

Pros

  • No annual fee
  • $49, $99 or $200 refundable deposit
  • Get access to a higher credit line after making your first five monthly payments on time
  • No fee charged on purchases made outside the U.S.
  • Flexibility to change your payment due date

Cons

  • High 26.99% variable APR
  • No rewards program
  • After you apply and submit your deposit, it takes 2-3 weeks to get your card
  • Capital One periodically reviews your account to see if you can be transitioned to an unsecured card, but unlike the Discover it® Secured Card there’s no clear timeline for when this will occur

Who’s this for? If you have bad credit or no credit at all, you should consider a secured card, especially one with a low deposit, like the Capital One® Secured Mastercard®. This card has no annual fee and minimum security deposits of $49, $99 or $200, based on your creditworthiness.

If you qualify for the low $49 or $99 deposits, you’ll still receive a $200 credit limit. This is a great feature considering many secured cards require $200 deposits to receive an equivalent line of credit.

Even if you don’t qualify for the lower deposits, you can receive access to a higher credit limit after you make your first five monthly payments on time. This is a good incentive to maintain a timely payment history.

Best Mastercard credit cards

Our methodology

To determine which credit cards offer the best value, CNBC Select analyzed popular Mastercard credit cards available in the U.S. We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.

CNBC Select teamed up with location intelligence firm Esri. The company’s data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. You can read more about their methodology here.

Esri’s data team created a sample annual budget of approximately $22,126 in retail spending. The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

CNBC Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. All rewards total estimations are net the annual fee.

While the five-year estimates we’ve included are derived from a budget similar to the average American’s spending, you may earn a higher or lower return depending on your shopping habits.

Information about the Citi Premier℠ Card, Citi Simplicity® Card, Deserve® EDU Mastercard for Students, Capital One® Secured Mastercard® has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the CNBC Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

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Cleaning up your credit safely

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TUCSON, Az. (KGUN) — Americans who are dealing with financial hardship because of job loss and aftermath caused by the pandemic could be struggling to make ends meat and in some cases they might be racking up credit card debt or they’re simply late on paying bills.

KGUN 9 caught up with Sean Herdrick with the Better Business Bureau of Southern Arizona who says there are ways to get your credit fixed but you have to be careful about who’s handling your situation because they can take your money and leave you with bad credit.

“To see how many 1-star ratings there are for credit companies is frightening. They promise you they will do all of this stuff for your credit, get things taken off. Negotiate with your creditors. They’ll ask for a fee up front, you send them the fee and they never come back to you,” Herdrick said.

According to the BBB you can check their website to find out details about how a company operates. And while there are three common ways to fix your credit. It’s also a good idea to get schooled on extra fees.

“We vet the companies we accredit and if you find an accredited credit business chances are they’re doing a good job and they’re going to help you out. Credit counseling and that’s probably the best way. There’s also debt relief or settlement companies where they offer to settle your debts for you or come up with a plan to do that and a debt consolidation company they will offer a loan at a lower interest rate to help pay off all of your debts at once,” Herdrick said.

The U.S Department of Commerce released data that says Americans are spending their stimulus checks on clothing and sporting goods while others are using it for bills to fend off financial ruin and get their credit back on track.

“Do your research make sure the company you hire can give you what you need,” Herdrick said.

BBB Tip links:

Consumer Financial Protection Bureau:



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Taking A Joint Home Loan Can Benefit You. Here’s Why – Forbes Advisor INDIA

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In India, buying a home is mostly the single largest investment made by an individual during their lifetime. As our families expand, we plan for the future and plan to invest in bigger homes that can comfortably accommodate and protect a growing family. However, such dream houses come at a significant cost, warrant access to huge funds, and hence, require key financial planning.

In most cases, individuals need to opt for home loans to fulfil the cost obligation associated with buying a house. Considering the amount and type of loan taken, there are certain eligibility criteria that one needs to be aware of before initiating applications. 

At the time of taking a home loan, your lender or you may wish to add another applicant, also called co-applicant, to your home loans for various reasons and the structure of having a co-applicant is referred to as a joint home loan. 

Let’s understand when and why should you take a joint home loan. 

Role of a Co-applicant in a Joint Home Loan

A lender while considering applications simply wants to check if the borrower can repay the home loan along with their household expenses and existing loans. Therefore, while calculating your eligibility they generally keep aside a certain fixed portion of your income that covers your existing expenses. An individual’s eligibility is decided on the basis of the discretionary amount left post calculating their interest repayments and monthly instalments. 

In a joint home loan, you can add another co-applicant or applicants who becomes liable to pay the home loan along with the primary applicant. Liability of the loan is a collective responsibility on both or all the co-applicants as well. Generally, immediate family members, including father, mother, spouse, children, and brother, are most eligible to become co-applicants in joint home loans. 

With such arrangements the question that mostly arises is whether the co-applicant is also the co-owner of the home being considered. Co-applicant or co-applicants may or may not be the co-owner of the property, however they have a liability to pay back the loan. The co-owner of the property is a joint owner along with other owners. 

As a safeguard and prudent underwriting practice, lenders ask all co-owners to also become co-applicants in home loans, however, the reverse need not be true. This is a decision the pros and cons of which should be carefully considered by the primary applicant while choosing joint home loans.

Why Choose a Joint Home Loan Over Any Other Loan 

There are a number of additional advantages in considering taking a joint home loan as compared to an individual home loan. These include higher loan amount eligibility, lower interest rates and other income tax benefits. 

Higher Loan Amount Eligibility: When you add an income-earning co-applicant to a loan, the lender considers the income level of all the applicants and calculates an eligibility amount higher than that of only one individual applying for a home loan. This allows applicants or families to take a larger home loan amount or purchase a more aspirational home since the room for increasing an applicant budget is possible. 

Lower Interest Rates: In order to avail lower interest rates individuals can add their spouses or mother as co-applicants for a joint home loan and as a joint property owner. This is useful as most lenders in India offer a lower rate of interest to women borrowers. It is up to 10 to 25 basis points lower than the interest rate for male borrowers. 

Tax Benefits: Tax benefits can be enjoyed by all the co-applicants separately. For this to happen, co-applicants should be property owners as well and should contribute to the payment of monthly instalments towards the repayment of the home loan. 

Income Tax benefits that are available to the all co-applicants include: 

  • Benefit under Section 80 C of the Income-Tax Act for the loan’s principal payment up to a maximum limit of INR 1.50 lakh per year. 
  • Benefits under Section 24 of the Income-Tax Act for interest paid on a home loan up to INR 2 lakh per year. 
  • In a joint home loan, both the applicants can claim the above amounts individually and use this as an effective tax planning tool

Co-applicants and first-time loan applicants can utilise the joint home loan as a great tool to improve their credit score, thereby easing the process for future loan applications as and when required for various other purposes. 

Necessary Documents Needed for a Joint Home Loan

Documentation is the most cumbersome and tiring part of taking any loan. However, it is a critical part of any lender’s operations as they would want to make sure that their borrower meets income eligibility and supporting documents are provided. 

There are a number of regulatory guidelines for the know your customer (KYC) and property-related documents, where it is imperative that all accurate documentation is shared to avoid unnecessary rejections and thereby delaying the availability of funds. 

For any home loan, typically an applicant needs to provide the following: –

  • KYC documents which include:
    • Identity Proof
    • Address Proof 
  • Income proof documents including but not limited to:
    • Salary slips, Form 16 issued by your employer or
    • Income tax returns (especially for self-employed) of the last three years
  • Property related documents such as: 
    • Agreement to sell, a sale deed or a registry 
    • Previous sale deed for the property (typically all transactions done on that property in the last 13 years) 
    • Few property or location-specific documents like a no-objection certificate (NOC) from relevant authorities or from your bank if the project is funded by any financer in case you are buying new property from a builder.

All applicants need to provide their KYC documents regardless of whether they earn an income or not or whether they even co-own the property. 

If you are applying for a joint home loan mainly for higher eligibility wherein the income of other applicants also needs to be considered, then income documents of all the applicants will be required to be shared with the lender in addition to KYC documents.  

If your purpose is to save on stamp duty charges by adding a female member of the house as a co-owner of the property, then you must make sure that the draft agreements and final sale deed or the registry documents have relevant members stated clearly as co-owners. 

If you are a nonresident Indian (NRI), you can issue a registered power of attorney (POA) in favour of a trusted family member for them to execute the necessary documentation on your behalf. However, you must ensure that the exact purpose of the required transactions are mentioned in the POA, thereby easing the process for compliance and reducing chances of rejection.

Factors to Consider Before Applying for a Loan

Before even applying for a joint loan, it is important to fully understand the lenders’ conditions, which differ depending on the provider you’re considering to approach. 

Lending Conditions

  • If the property has co-owners, in such a case, the lender, in all likelihood, insists all co-owners to become co-applicants as well. 
  • The lender may also insist any or one of your family members become co-applicants in the case of an NRI loan. 
  • If you have given the power of attorney to any of your family members, the lender is likely to insist one of the family members is available in the country as co-applicant for follow-ups and communication purposes to minimize repayment risks.

Credit Score Reports

It is always better to check your and the other co-applicant’s credit score and bureau report prior to applying. This will help to ensure that you are aware of all your past and current loans along with their performance over time. 

In some cases, if it is observed that you may have an old credit card with some minor payment overdue or incorrect reporting by any financial institution, it may lead to the possibility of hampering your overall credit score, reducing the chances of approval.

In India, there are primarily four credit bureaus via which you can check your credit report. Any bureau after paying relevant fees, which is about INR 500, will process your credit report. These credit bureaus include CIBIL, Equifax, CRIF Highmark and Experian.  

When to Avoid Taking a Joint Home Loan?

When a co-applicant already has significant loan obligations and is not left with sufficient income to be eligible for a higher home loan amount, it is generally advisable to reconsider taking a joint home loan and instead consider an individual home loan.

Healthy credit history is very important for lenders while considering applications and a co-applicant who has a bad credit history or poor track of repaying past loans is a major factor while assessing the eligibility of a new loan. 

If your income is sufficient to cover costs with no additional benefits available in terms of tax write-offs, it is suitable for you to avoid a joint home loan and keep the responsibility of your liability limited.

Joint home loans are also best avoided if there is a plan for taking on a larger liability or loan in the near future as the joint loan may impact the eligibility criteria of future loans due to existing liabilities.

Bottom Line

A joint home loan is a beneficial financial tool with the potential of helping the borrower secure higher loan amounts. 

It can aid individuals significantly improve their spending power and investing threshold while buying a larger and more comfortable home and at the same time keeping the primary applicant’s liabilities manageable by sharing the repayment burden with other co-applicants. 

If utilized correctly, it can help you enjoy higher tax benefits, while simultaneously reducing overall tax outgo on a yearly-basis. 

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Fixed-rate student loan refinancing rates inch up, but still hover near record low

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Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as “Credible” below, is to give you the tools and confidence you need to improve your finances. Although we do promote products from our partner lenders who compensate us for our services, all opinions are our own.

The latest trends in interest rates for student loan refinancing from the Credible marketplace, updated weekly.  (iStock)

Rates for well-qualified borrowers using the Credible marketplace to refinance student loans into 10-year fixed-rate loans hit another low during the week of April 12, 2021.

For borrowers with credit scores of 720 or higher who used the Credible marketplace to select a lender, during the week of April 12:

  • Rates on 10-year fixed-rate loans averaged 3.78%, up from 3.73% the week before and down from 4.81% a year ago. The record low for 10-year fixed rate loans was 3.71%, during the week of Feb. 15, 2021.
  • Rates on 5-year variable-rate loans averaged 3.26%, up slightly from 3.13% the week before and down from 3.28% a year ago. Variable-rate loans recorded a record low of 2.63% during the week of June 29, 2020.

Student loan refinancing weekly rate trends

If you’re curious about what kind of student loan refinance rates you may qualify for, you can use an online tool like Credible to compare options from different private lenders. Checking your rates won’t affect your credit score.

Current student loan refinancing rates by FICO score

To provide relief from the economic impacts of the COVID-19 pandemic, interest and payments on federal student loans have been suspended through at least Sept. 30, 2021. As long as that relief is in place, there’s little incentive to refinance federal student loans. But many borrowers with private student loans are taking advantage of the low interest rate environment to refinance their education debt at lower rates.

If you qualify to refinance your student loans, the interest rate you may be offered can depend on factors like your FICO score, the type of loan you’re seeking (fixed or variable rate), and the loan repayment term. 

The chart above shows that good credit can help you get a lower rate, and that rates tend to be higher on loans with fixed interest rates and longer repayment terms. Because each lender has its own method of evaluating borrowers, it’s a good idea to request rates from multiple lenders so you can compare your options. A student loan refinancing calculator can help you estimate how much you might save. 

If you want to refinance with bad credit, you may need to apply with a cosigner. Or, you can work on improving your credit before applying. Many lenders will allow children to refinance parent PLUS loans in their own name after graduation.

You can use Credible to compare rates from multiple private lenders at once without affecting your credit score.

How rates for student loan refinancing are determined

The rates private lenders charge to refinance student loans depend in part on the economy and interest rate environment, but also the loan term, the type of loan (fixed- or variable-rate), the borrower’s credit worthiness, and the lender’s operating costs and profit margin. 

About Credible

Credible is a multi-lender marketplace that empowers consumers to discover financial products that are the best fit for their unique circumstances. Credible’s integrations with leading lenders and credit bureaus allow consumers to quickly compare accurate, personalized loan options ― without putting their personal information at risk or affecting their credit score. The Credible marketplace provides an unrivaled customer experience, as reflected by over 4,300 positive Trustpilot reviews and a TrustScore of 4.7/5.

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