Best Personal Loans For Good Credit

$3,000 - $100,000

  • 670+ Credit Score
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Best Personal Loans For Good Credit 2019

If you’ve made it a point to pay your bills on time month after month and year after year, you’ve likely earned a FICO score you can be proud of. But what’s the point of maintaining such a meticulous credit record if you don’t take advantage of it every once in a while? This is especially true now that personal loans for good credit applicants are more affordable and attractive than ever before.

Whether you’d like to finance an exotic vacation, remodel your kitchen, or invest in a new car, a personal loan can go a long way for individuals who’ve developed reputations as reliable borrowers. Yet if you’re not sure where to start when it comes to getting the best personal loans with a good credit score, here’s a quick overview of some of today’s most appealing lenders and their unique advantages.

Personal Loans For Excellent Credit - 700+

If your credit score is well into the 700s, you essentially have your pick of the best lenders in the marketplace. Generally speaking, one loan provider will be a better fit for you than another based on your specific situation. But if you’ve got a spotless credit record, here are three personal loan providers you should definitely consider.

» MORE: Compare personal loans rates and terms

LightStream: Exclusively for borrowers with impeccable credit, LightStream loans feature low fees and are often for higher amounts than many providers offer. LightStream loans are also frequently assigned custom interest rates.

SoFi: Offering competitive rates and above-average loan amounts, SoFi (short for “social finance”) stands out from the crowd by being one of the few providers to include unemployment protection built into its personal loans. It’s hard to put a price on such peace of mind.

Marcus: With a dual focus on loans for debt consolidation and large purchases, Marcus is perhaps best known for not charging sign-up fees, prepayment fees, or any fees of any kind. That’s why borrowers with excellent credit, and a desire to keep costs low, love Marcus so much.

  • APR range: 4.99% - 17.49% w/AutoPay1
  • Available loan terms: 24 to 144 months1
  • Loan amounts: up to $100,000
  • Time to fund: As soon as the same day**
  • Origination fee: None
  • Credit needed: 660+

Click to apply with LightStream

  • APR range: 5.99%—16.99% APR (with AutoPay)
  • Available loan terms: 24 to 84 months
  • Loan amounts: up to $100,000
  • Time to fund: Usually 7 days
  • Origination fee: None
  • Credit needed: 680+

Click to apply with SoFi

  • APR range: 6.99-24.99%
  • Available loan terms: 24 to 60 months
  • Loan amounts: up to $35,000
  • Time to fund: N/A
  • Origination fee: None
  • Credit needed: 660+

Click to apply with Marcus

» MORE: Best Loans For Excellent Credit

Personal Loans For Good Credit

Although missing a payment due date isn’t the end of the world, it’s certainly not a good thing for your credit report. Delinquent payments stay on your record for years, yet unless you have several of them that are relatively recent, odds are in your favor that you can still get approved for a personal loan. So if your credit isn’t quite perfect — but it is above average — here are two lenders with the best personal loans for good credit applicants.

Best Egg: Famous for its fast approval process and great service, Best Egg delivers decisions to loan applicants mere minutes after they submit their requests. And if your application is approved, the cash can be transferred to your bank account during the same business day.

Prosper: One of the most well known peer-to-peer lending platforms in the industry, Prosper takes the hassle out of applying for personal loans and makes the process incredibly easy. Prosper loans can be used for nearly any purpose, and rates are relatively low compared to most competitors.

  • APR range: 5.99%-29.99%
  • Available loan terms: 36 - 60 months
  • Loan amounts: up to $35,000
  • Time to fund: same-day funding is often available
  • Origination fee: 0.99% to 5.99% of the initial amount
  • Credit needed: 640+

Click to apply with BestEgg

  • APR range: 6.95-35.99%
  • Available loan terms: 36 to 60 months
  • Loan amounts: up to $35,000
  • Time to fund: One to three business days after approval
  • Origination fee: Ranges from 2.4% to 5% of the initial loan amount
  • Credit needed: 640+

Click to apply with Prosper

Personal Loans For Credit Card Consolidation

While vacations and new cars are always fun, many responsible individuals will take out personal loans to consolidate outstanding debts and leverage lower interest rates. If you’re the owner of an impressive credit score — but you’re also carrying an annoying financial burden — here are two of the best loans for good credit consolidation.

Payoff: This lender provides personal loans specifically for consumers who want to consolidate high-interest debt. Payoff also grants its customers access to member advocates who offer tools, resources, and ongoing advice to help borrowers achieve their financial goals.

FreedomPlus: Specializing in lending to those who wish to consolidate debt, FreedomPlus allows borrowers to transfer money directly to their creditors, which can result in lower rates. FreedomPlus also provides personalized recommendations about living debt-free for good.

  • APR range: 8.00%-25.00%
  • Available loan terms: 24 - 60 months
  • Loan amounts: up to $35,000
  • Time to fund: N/A
  • Origination fee: 2% to 5%
  • Credit needed: 640+

Click to apply with Payoff

  • APR range: 5.99-29.99%
  • Available loan terms: 24 to 60 months
  • Loan amounts: up to $40,000
  • Time to fund: as little as 3 days
  • Origination fee: 0% to 5%
  • Credit needed: 620+

Click to apply with FreedomPlus

» MORE: Personal Loans For Credit Card Consolidation


If you’ve put in the effort to maintain a reputation as a reliable borrower, why not take advantage of the best personal loan rates for good credit scores? Whether you want to treat yourself to a trip, invest in a home-improvement project, or simply consolidate high-interest debt, one of these personal loan providers is certain to be perfect for you.

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