Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."
Having good credit often makes it easier to get approved for personal loans as well as qualify for low interest rates. A good credit score is considered to be 700 or higher, while anything above 750 is excellent.
Keep in mind that the best personal loans for good credit provide competitive interest rates, a wide selection of loan terms, and inclusive eligibility requirements.
Here’s what you should know about personal loans for good credit and where to find them:
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Best personal loans for good and excellent credit
Before you take out a personal loan, it’s important to consider as many lenders as possible. This way, you can find the right loan for your needs.
Here are Credible’s partner lenders that offer personal loans for good credit:
Lender | Fixed rates | Loan amounts | Min. credit score | Loan terms (years) |
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
7.99% - 29.99% APR
| $10,000 to $50,000 | Not disclosed by lender | 2, 3, 4, 5 |
- Fixed APR:
7.99% - 29.99% APR
- Min. credit score:
Does not disclose
- Loan amount:
$10,000 to $50,000
- Loan terms (years):
2, 3, 4, 5
- Time to fund:
If approved, funds sent within 24-72 hours†
- Fees:
Origination fee
- Discounts:
No
- Eligibility:
Available in all states except CO, CT, HI, KS, NH, NY, ND, OR, VT, WV, WI, and WY
- Customer service:
Phone
- Soft credit check:
Yes
- Min. Income:
None
- Loan Uses:
Debt consolidation, home improvement, wedding, travel, medical expenses, and other purposes
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
9.95% - 35.99% APR
| $2,000 to $35,000** | 550 | 2, 3, 4, 5* |
- Fixed APR:
9.95% - 35.99% APR
- Variable APR:
N/A
- Min. credit score:
550
- Loan amount:
$2,000 to $35,000**
- Loan terms (years):
2, 3, 4, 5*
- Time to fund:
As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
- Fees:
Origination fee
- Discounts:
Autopay
- Eligibility:
Available in all states except CO, IA, HI, VT, NV NY, WV
- Customer service:
Phone, email
- Soft credit check:
Yes
- Loan servicer:
Avant
- Loan Uses:
Debt consolidation, emergency expense, life event, home improvement, and other purposes
- Min. Income:
$1,200 monthly
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
7.99% - 15.19% APR
| $10,000 to $50,000 | 700 | 3, 4, 5, 6 |
- Fixed APR:
7.99% - 15.19% APR
- Variable APR:
N/A
- Min. credit score:
700
- Loan amount:
$10,000 to $50,000
- Loan terms (years):
3 to 6
- Time to fund:
Next business day
- Fees:
No prepayment penalty
- Discounts:
None
- Eligibility:
Available in all 50 states
- Customer service:
Phone
- Soft credit check:
Yes
- Min. Income:
Does not disclose
- Loan Uses:
Debt consolidation, home improvement, self-employment, and other purposes
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
8.99% - 35.99% APR
| $5,000 to $35,000 | 600 | 2, 3, 4, 5 |
- Fixed APR:
8.99% - 35.99% APR
- Variable APR:
N/A
- Min. credit score:
600
- Loan amount:
$2,000 to $50,000
- Loan terms (years):
2, 3, 4, 5
- Time to fund:
As soon as 1 to 3 business days after successful verification
- Fees:
Origination fee
- Discounts:
None
- Eligibility:
Available in all states except DC, IA, VT, and WV
- Customer service:
Phone
- Soft credit check:
Yes
- Loan servicer:
Best Egg and Blue Ridge Bank
- Min. Income:
None
- Loan Uses:
Credit card refinancing, debt consolidation, home improvement, and other purposes
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
6.99% - 24.99% APR
| $2,500 to $35,000 | 660 | 3, 4, 5, 6, 7 |
- Fixed APR:
6.99% - 24.99% APR
- Min. credit score:
660
- Loan amount:
$2,500 to $35,000
- Loan terms (years):
3, 4, 5, 6, 7
- Time to fund:
As soon as the next business day after acceptance
- Fees:
Late fee
- Discounts:
None
- Eligibility:
Available in all 50 states
- Customer service:
Phone
- Soft credit check:
Yes
- Loan Uses:
Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
7.99% - 29.99% APR
| $5,000 to $40,000 | 600 | 2, 3, 4, 5 |
- Fixed APR:
7.99% - 29.99% APR
- Min. credit score:
600
- Loan amount:
$5,000 to $40,000
- Loan terms (years):
2, 3, 4, 5
- Time to fund:
As soon as 2 to 5 business days after verification
- Fees:
Origination fee
- Discounts:
None
- Eligibility:
Available in all states except MA and NV
- Customer service:
Phone, email, chat
- Soft credit check:
Yes
- Min. Income:
None
- Loan Uses:
Debt consolidation and credit card consolidation only
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
8.3% - 35.89% APR
| $1,000 to $40,000 | 600 | 3, 5 |
- Fixed APR:
8.3% - 35.89% APR
- Min. credit score:
600
- Loan amount:
$1,000 to $40,000
- Loan terms (years):
3, 5
- Time to fund:
Usually takes about 2 days†
- Fees:
Origination fee
- Discounts:
None
- Eligibility:
Available in all 50 states
- Customer service:
Phone, email
- Soft credit check:
Yes
- Loan servicer:
LendingClub Bank
- Min. Income:
None
- Loan Uses:
Debt consolidation, paying off credit cards, home improvement, pool loans, vacations, and other purposes
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
7.99% - 35.99% APR
| $2,000 to $36,500 | 580 | 2, 3, 4, 5, 6 |
- Fixed APR:
7.99% - 35.99% APR
- Min. credit score:
580
- Loan amount:
$2,000 to $36,500
- Loan terms (years):
2, 3, 4, 5, 6
- Time to fund:
As soon as the next business day
- Fees:
Origination fee
- Discounts:
Autopay
- Eligibility:
Available in all states except NV and WV
- Customer service:
Phone, email
- Soft credit check:
Yes
- Min. Income:
$20,000
- Loan Uses:
Home improvement, consolidate debt, credit card refinancing, relocate, make a large purchase, and other purposes
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
5.99% - 23.99% APR
| $5,000 to $100,000 | 660 | 2, 3, 4, 5, 6, 7
(up to 12 years for home improvement loans) |
- Fixed APR:
5.99% - 23.99% APR
- Min. credit score:
660
- Loan amount:
$5,000 to $100,000
- Loan terms (years):
2, 3, 4, 5, 6, 7*
- Time to fund:
As soon as the same business day
- Fees:
None
- Discounts:
Autopay
- Eligibility:
Available in all states except RI and VT
- Customer service:
Phone, email
- Soft credit check:
No
- Loan servicer:
LightStream
- Min. Income:
Does not disclose
- Loan Uses:
Credit card refinancing, debt consolidation, home improvement, and other purposes
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
18.0% - 35.99% APR
| $1,500 to $20,000 | None | 2, 3, 4, 5 |
- Fixed APR:
18.0% - 35.99% APR
- Min. credit score:
None
- Loan amount:
$1,500 to $20,000
- Loan terms (years):
2, 3, 4, 5
- Time to fund:
As soon as 1 to 2 business days after approval
- Fees:
Origination fee
- Discounts:
None
- Eligibility:
Must have photo I.D. issued by U.S. federal, state or local government
- Customer service:
Phone, email
- Soft credit check:
Yes
- Min. Income:
Does not disclose
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
7.74% - 17.99% APR
| $600 to $50,000
(depending on loan term) | 660 | 1, 2, 3, 4, 5 |
- Fixed APR:
7.74% - 17.99% APR
- Min. credit score:
660
- Loan amount:
$600 to $50,000*
- Loan terms (years):
1, 2, 3, 4, 5
- Time to fund:
2 to 4 business days after verification
- Fees:
None
- Discounts:
None
- Eligibility:
Does not disclose
- Customer service:
Phone, email
- Soft credit check:
No
- Min. Income:
Does not disclose
- Loan Uses:
Debt consolidation, home improvement, transportation, medical, dental, life events
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
6.99% - 35.99% APR
| $2,000 to $50,000 | 640 | 2, 3, 4, 5 |
- Fixed APR:
6.99% - 35.99% APR
- Min. credit score:
640
- Loan amount:
$2,000 to $50,000
- Loan terms (years):
2, 3, 4, 5
- Time to fund:
As soon as one business day
- Fees:
Origination fee
- Discounts:
None
- Eligibility:
Available in all states except IA, ND, WV
- Customer service:
Phone, email
- Soft credit check:
Yes
- Min. Income:
None
- Loan Uses:
Debt consolidation, home improvement, vehicles, small business, new baby expenses, and other purposes
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
7.99% - 23.43% APR10
| $5,000 to $100,000 | Does not disclose | 2, 3, 4, 5, 6, 7 |
- Fixed APR:
7.99% - 23.43% APR10
- Min. credit score:
Does not disclose
- Loan amount:
$5,000 to $100,000
- Loan terms (years):
2, 3, 4, 5, 6, 7
- Time to fund:
3 business days
- Fees:
None
- Discounts:
Autopay
- Eligibility:
Available in all states except MS
- Customer service:
Phone, email
- Soft credit check:
Yes
- Min. Income:
Does not disclose
- Loan Uses:
Solely for personal, family, or household uses
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
11.69% - 35.93% APR7
| $1,000 to $50,000 | 560 | 3 to 5 years 8 |
- Fixed APR:
11.69% - 35.93% APR7
- Min. credit score:
560
- Loan amount:
$1,000 to $50,000
- Loan terms:
3 to 5 years 8
- Time to fund:
Within one day, once approved9
- Loan types:
Debt consolidation, pay off credit cards, home improvements, unexpected expenses, home and auto repairs, weddings, and other major purchases
- Fees:
Origination fee
- Discounts:
Autopay
- Eligibility:
A U.S. citizen or permanent resident; not available in DC, SC, WV
- Customer service:
Phone, email
- Soft credit check:
Yes
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
8.49% - 35.97% APR
| $1,000 to $50,000 | 560 | 2, 3, 5, 6 |
- Fixed APR:
8.49% - 35.97% APR
- Min. credit score:
560
- Loan amount:
$1,000 to $50,000*
- Loan terms (years):
2 to 7
- Time to fund:
Within a day of clearing necessary verifications
- Fees:
Origination fee
- Discounts:
Autopay
- Eligibility:
Available in all states except West Virginia
- Customer service:
Email
- Soft credit check:
Yes
- Min. Income:
Does not disclose
- Loan Uses:
Debt consolidation, credit card refinancing, home improvement, and other purposes
|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
|
5.4% - 35.99% APR4
| $1,000 to $50,0005 | 580 | 3 to 5 years4 |
- Fixed APR:
5.4% - 35.99% APR4
- Min. credit score:
580
- Loan amount:
$1,000 to $50,0005
- Loan terms (years):
3 to 5 years4
- Time to fund:
As fast as 1 business day6
- Fees:
Origination fee
- Discounts:
None
- Eligibility:
Available in all 50 states
- Customer service:
Phone, email
- Soft credit check:
Yes
- Min. Income:
$12,000
- Loan Uses:
Payoff credit cards, consolidate debt, take a course or bootcamp, relocate, make a large purchase, and other purposes
|
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|
All APRs reflect autopay and loyalty discounts where available | LightStream disclosure | 10SoFi Disclosures | Read more about Rates and Terms |
Achieve
If you’re planning to consolidate debt with a personal loan, Achieve might be a good option — if you use at least 85% of a Achieve loan to pay off existing debt, you might qualify for a lower interest rate. Adding a cosigner or showing proof of retirement savings could also get you a better rate.
You can borrow $10,000 to $35,000 with repayment terms from two to five years.
4.1
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.
Check Personalized Rates
Checking rates won't affect your credit score
- Fixed APR:
7.99% - 29.99% APR
- Min. credit score: Does not disclose
- Loan amount: $10,000 to $50,000
- Loan terms (years): 2, 3, 4, 5
- Time to fund: If approved, funds sent within 24-72 hours†
- Fees: Origination fee
- Discounts: No
- Eligibility: Available in all states except CO, CT, HI, KS, NH, NY, ND, OR, VT, WV, WI, and WY
- Customer service: Phone
- Soft credit check: Yes
- Min. Income: None
- Loan Uses: Debt consolidation, home improvement, wedding, travel, medical expenses, and other purposes
Pros
- Fast loan funding
- No prepayment penalty
- Could get a lower rate by using 85% of the loan for debt consolidation, adding a cosigner, or showing proof of retirement savings
Cons
- Origination fees from 1.99% to 4.99%
- Must borrow at least $7,500
- Not available in Nevada
Avant
Avant offers personal loans from $2,000 to $35,000* with repayment terms from two to five years.** If you’re approved, you could get your funds as soon as the next business day.
4.5
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.
Check Personalized Rates
Checking rates won't affect your credit score
- Fixed APR:
9.95% - 35.99% APR
- Variable APR: N/A
- Min. credit score: 550
- Loan amount: $2,000 to $35,000**
- Loan terms (years): 2, 3, 4, 5*
- Time to fund: As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
- Fees: Origination fee
- Discounts: Autopay
- Eligibility: Available in all states except CO, IA, HI, VT, NV NY, WV
- Customer service: Phone, email
- Soft credit check: Yes
- Loan servicer: Avant
- Loan Uses: Debt consolidation, emergency expense, life event, home improvement, and other purposes
- Min. Income: $1,200 monthly
Pros
- Fast loan funding
- Accepts poor and fair credit
- No prepayment penalty
Cons
- Not available in Colorado, Iowa, Hawaii, Vermont, Nevada, New York, or West Virginia
- Administration fee of up to 4.75%
- Charges late and dishonored payment fees
Learn More: How to Find a $35,000 Personal Loan Without Stressing
Axos Bank
With Axos Bank, you can borrow $10,000 to $50,000 with terms from three to six years. If you’re approved, you could get your funds as soon as the next business day.
4.6
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.
Check Personalized Rates
Checking rates won't affect your credit score
- Fixed APR:
7.99% - 15.19% APR
- Variable APR: N/A
- Min. credit score: 700
- Loan amount: $10,000 to $50,000
- Loan terms (years): 3 to 6
- Time to fund: Next business day
- Fees: No prepayment penalty
- Discounts: None
- Eligibility: Available in all 50 states
- Customer service: Phone
- Soft credit check: Yes
- Min. Income: Does not disclose
- Loan Uses: Debt consolidation, home improvement, self-employment, and other purposes
Pros
- Fast loan funding
- Competitive rates
- Variety of loan uses
Cons
- Minimum credit score is in the upper range of good credit
- Origination fees from 0% to 2%
- Charges late and insufficient funds fees
Best Egg
Best Egg personal loans range from $2,000 to $50,000 with repayment terms from two to five years. Additionally, rates from Best Egg can be very competitive for borrowers with good to excellent credit and income.
4.5
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.
Check Personalized Rates
Checking rates won't affect your credit score
- Fixed APR:
8.99% - 35.99% APR
- Variable APR: N/A
- Min. credit score: 600
- Loan amount: $2,000 to $50,000
- Loan terms (years): 2, 3, 4, 5
- Time to fund: As soon as 1 to 3 business days after successful verification
- Fees: Origination fee
- Discounts: None
- Eligibility: Available in all states except DC, IA, VT, and WV
- Customer service: Phone
- Soft credit check: Yes
- Loan servicer: Best Egg and Blue Ridge Bank
- Min. Income: None
- Loan Uses: Credit card refinancing, debt consolidation, home improvement, and other purposes
Pros
- Competitive rates
- Fast loan funding
- No prepayment penalty
Cons
- Origination fees from 0.99% to 8.99%
- Charges late fees
- Not available in Iowa; Vermont; Washington, D.C.; or West Virginia
Discover
If you’re looking for a long repayment term, Discover could be a good choice — you can borrow $2,500 to $35,000 with terms from three to seven years. Just keep in mind that opting for a longer term means you’ll pay more in interest over time.
4.4
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.
Check Personalized Rates
Checking rates won't affect your credit score
- Fixed APR:
6.99% - 24.99% APR
- Min. credit score: 660
- Loan amount: $2,500 to $35,000
- Loan terms (years): 3, 4, 5, 6, 7
- Time to fund: As soon as the next business day after acceptance
- Fees: Late fee
- Discounts: None
- Eligibility: Available in all 50 states
- Customer service: Phone
- Soft credit check: Yes
- Loan Uses: Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding
Pros
- Repayment terms of up to seven years
- Fast loan funding
- No origination fee
Cons
- Charges late fees
- Must borrow at least $2,500
- Can’t add a cosigner to the loan
Happy Money
With Happy Money, formerly Payoff, you can borrow $5,000 to $40,000 with terms from two to five years. Keep in mind that Happy Money personal loans are specifically designed for credit card consolidation — you can’t use them for other purposes.
4.5
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Happy Money Personal Loans
Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.
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Checking rates won't affect your credit score
- Fixed APR:
7.99% - 29.99% APR
- Min. credit score: 600
- Loan amount: $5,000 to $40,000
- Loan terms (years): 2, 3, 4, 5
- Time to fund: As soon as 2 to 5 business days after verification
- Fees: Origination fee
- Discounts: None
- Eligibility: Available in all states except MA and NV
- Customer service: Phone, email, chat
- Soft credit check: Yes
- Min. Income: None
- Loan Uses: Debt consolidation and credit card consolidation only
Pros
- Free FICO Score updates
- If you lose your job, Happy Money will work with you on payments
- Offers scientific personality, stress, and cash flow assessments to help you get a better understanding of your personal finances
Cons
- Can only use loans for credit card consolidation
- Origination fees from 0% to 5%
- Not available in Massachusetts or Nevada
LendingClub
With LendingClub, you can borrow $1,000 to $40,000 with a three- or five-year term. Additionally, if you use a LendingClub personal loan to pay off credit cards or other debt, you might get a lower rate if you let LendingClub pay up to 12 creditors directly.
4.5
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
LendingClub Personal Loans
Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.
Check Personalized Rates
Checking rates won't affect your credit score
- Fixed APR:
8.3% - 35.89% APR
- Min. credit score: 600
- Loan amount: $1,000 to $40,000
- Loan terms (years): 3, 5
- Time to fund: Usually takes about 2 days†
- Fees: Origination fee
- Discounts: None
- Eligibility: Available in all 50 states
- Customer service: Phone, email
- Soft credit check: Yes
- Loan servicer: LendingClub Bank
- Min. Income: None
- Loan Uses: Debt consolidation, paying off credit cards, home improvement, pool loans, vacations, and other purposes
Pros
- Could get a lower rate by having LendingClub pay creditors directly
- No prepayment penalty
- Being turned down doesn’t hurt your credit score
Cons
- Can have higher rates than other lenders
- Origination fees from 3% to 6%
- Charges late fees
LendingPoint
LendingPoint personal loans range from $2,000 to $36,500 with terms from two to six years.
If you’re approved, you could get your funds as soon as the next business day.
4.7
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
LendingPoint Personal Loans
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- Fixed APR:
7.99% - 35.99% APR
- Min. credit score: 580
- Loan amount: $2,000 to $36,500
- Loan terms (years): 2, 3, 4, 5, 6
- Time to fund: As soon as the next business day
- Fees: Origination fee
- Discounts: Autopay
- Eligibility: Available in all states except NV and WV
- Customer service: Phone, email
- Soft credit check: Yes
- Min. Income: $20,000
- Loan Uses: Home improvement, consolidate debt, credit card refinancing, relocate, make a large purchase, and other purposes
Pros
- Accepts poor credit scores
- Fast approval decisions
- Fast loan funding
Cons
- Can have higher rates compared to other lenders
- Origination fees from 0% to 8%
- Not available in Nevada or West Virginia
LightStream
If you need to borrow a large amount, LightStream could be a good choice — you can borrow $5,000 to $100,000. Most LightStream loans have terms from two to seven years, but if you use your loan for home improvements, you could have up to 12 years to repay it.
4.9
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
LightStream Personal Loans
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- Fixed APR:
5.99% - 23.99% APR
- Min. credit score: 660
- Loan amount: $5,000 to $100,000
- Loan terms (years): 2, 3, 4, 5, 6, 7*
- Time to fund: As soon as the same business day
- Fees: None
- Discounts: Autopay
- Eligibility: Available in all states except RI and VT
- Customer service: Phone, email
- Soft credit check: No
- Loan servicer: LightStream
- Min. Income: Does not disclose
- Loan Uses: Credit card refinancing, debt consolidation, home improvement, and other purposes
Pros
- Can borrow up to $100,000
- Funding as soon as the same business day
- 0.50% autopay discount
Cons
- Autopay discount available only before loan funding
- Not available in Rhode Island or Vermont
- Doesn’t disclose minimum income requirements
Check Out: How to Get a $100,000 Personal Loan Fast
OneMain Financial
OneMain Financial offers personal loans from $1,500 to $20,000 with terms from two to five years. If you’re approved, you could get your funds as soon as the same day — but this usually requires a visit to a branch office.
4.1
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
OneMain Financial Personal Loans
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- Fixed APR:
18.0% - 35.99% APR
- Min. credit score: None
- Loan amount: $1,500 to $20,000
- Loan terms (years): 2, 3, 4, 5
- Time to fund: As soon as 1 to 2 business days after approval
- Fees: Origination fee
- Discounts: None
- Eligibility: Must have photo I.D. issued by U.S. federal, state or local government
- Customer service: Phone, email
- Soft credit check: Yes
- Min. Income: Does not disclose
Pros
- Fast loan funding
- No minimum credit score
- Considers financial history, income, expenses, and loan purpose in addition to credit history
Cons
- Can have higher interest rates compared to other lenders
- Higher loan amounts might require collateral
- Origination fees from $25 to $500 or from 1% to 10% of loan amount, depending on your state
PenFed
If you’re looking for a small personal loan, PenFed might be a good choice — you can borrow as little as $600 up to $50,000 with terms from one to five years.
Keep in mind that while you don’t have to join the credit union to apply for a loan, you’ll have to become a member if you’re approved and accept the loan.
4.7
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
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- Fixed APR:
7.74% - 17.99% APR
- Min. credit score: 660
- Loan amount: $600 to $50,000*
- Loan terms (years): 1, 2, 3, 4, 5
- Time to fund: 2 to 4 business days after verification
- Fees: None
- Discounts: None
- Eligibility: Does not disclose
- Customer service: Phone, email
- Soft credit check: No
- Min. Income: Does not disclose
- Loan Uses: Debt consolidation, home improvement, transportation, medical, dental, life events
Pros
- Can borrow small loan amounts
- No fees
- Can use for a variety of purposes
Cons
- Doesn’t disclose minimum income requirements
- Must join the credit union if you’re approved and accept the loan
- Sends loan funds through the mail, which can take more time
Prosper
Prosper offers personal loans from $2,000 to $50,000 with loan terms ranging from two to five years. If you’re approved, you could get your funds as soon as the next business day.
4.6
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
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- Fixed APR:
6.99% - 35.99% APR
- Min. credit score: 640
- Loan amount: $2,000 to $50,000
- Loan terms (years): 2, 3, 4, 5
- Time to fund: As soon as one business day
- Fees: Origination fee
- Discounts: None
- Eligibility: Available in all states except IA, ND, WV
- Customer service: Phone, email
- Soft credit check: Yes
- Min. Income: None
- Loan Uses: Debt consolidation, home improvement, vehicles, small business, new baby expenses, and other purposes
Pros
- No prepayment penalty
- No minimum income requirement
- Can be used for a variety of purposes
Cons
- Origination fees from 2.4% to 5%
- Not available in Iowa, North Dakota, or West Virginia
- Funding could take up to 14 days (though might be as soon as one business day)
SoFi
SoFi could be a good choice if you need to borrow a large amount — its loans range from $5,000 to $100,000 with terms from two to seven years. With SoFi, borrowers also have access to several perks, including unemployment protection, career coaching, and investing advice.
4.9
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
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- Fixed APR:
7.99% - 23.43% APR10
- Min. credit score: Does not disclose
- Loan amount: $5,000 to $100,000
- Loan terms (years): 2, 3, 4, 5, 6, 7
- Time to fund: 3 business days
- Fees: None
- Discounts: Autopay
- Eligibility: Available in all states except MS
- Customer service: Phone, email
- Soft credit check: Yes
- Min. Income: Does not disclose
- Loan Uses: Solely for personal, family, or household uses
Pros
- Can borrow up to $100,000
- No fees
- Borrower perks, such as unemployment protection and investing advice
Cons
- Doesn’t disclose minimum income or credit requirements
- Not available in Mississippi
- Funding can take longer compared to some other lenders
Upgrade
Upgrade offers personal loans from $1,000 to $50,000 with terms ranging from two to six years. Additionally, borrowers can take advantage of free credit monitoring and educational resources.
4.8
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
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- Fixed APR:
8.49% - 35.97% APR
- Min. credit score: 560
- Loan amount: $1,000 to $50,000*
- Loan terms (years): 2 to 7
- Time to fund: Within a day of clearing necessary verifications
- Fees: Origination fee
- Discounts: Autopay
- Eligibility: Available in all states except West Virginia
- Customer service: Email
- Soft credit check: Yes
- Min. Income: Does not disclose
- Loan Uses: Debt consolidation, credit card refinancing, home improvement, and other purposes
Pros
- Fast approval decisions
- Free credit monitoring and educational resources
- Funding within a day of clearing necessary verifications
Cons
- Origination fees from 1.85% to 8.99%
- Not available in West Virginia
- Limited repayment terms
Upstart
In addition to your credit, Upstart will also consider your education and job history when you apply for a loan — which means you might still qualify even if you have little to no credit history. You can borrow $1,000 to $50,0005 with Upstart.
4.6
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.
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- Fixed APR:
5.4% - 35.99% APR4
- Min. credit score: 580
- Loan amount: $1,000 to $50,0005
- Loan terms (years): 3 to 5 years4
- Time to fund: As fast as 1 business day6
- Fees: Origination fee
- Discounts: None
- Eligibility: Available in all 50 states
- Customer service: Phone, email
- Soft credit check: Yes
- Min. Income: $12,000
- Loan Uses: Payoff credit cards, consolidate debt, take a course or bootcamp, relocate, make a large purchase, and other purposes
Pros
- Considers education and job history in addition to credit
- No prepayment penalty
- Low minimum income requirement ($12,000)
Cons
- Origination fees from 0% to 10%
- Charges late and returned check fees
- Not available in Iowa or West Virginia
Learn More: Where to Get a Personal Loan
Lender Rating Methodology
To find the “best companies,” Credible looked at loan and lender data points from 10 categories to give you a well-rounded perspective on each of our partner lenders. Here’s what we considered:
- Interest rates
- Repayment terms
- Repayment options
- Maximum loan amount
- Loan funding time
- Fees
- Discounts
- Customer service availability
- Whether the minimum credit score is available publicly
- Whether consumers could request rates with a soft credit check
Our hope is that this will be a win-win situation for you and us — we only want to get paid if you find a loan that works for you, not by selling your data. This means Credible will only get paid by the lender if you finish the loan process and a loan is disbursed. Additionally, Credible charges you no fees of any kind to compare your loan options.
Other personal loan lenders to consider
Other lenders also offer personal loans for good credit. Keep in mind that these lenders aren’t Credible partners, so you won’t be able to easily compare your rates with them on the Credible platform like you can our partner lenders.
Lender | Loan terms (years) | Loan amount |

Show details | 3, 4, 5, 6, 7 | $5,000 - $50,000 |
- Rates: Fixed
- Loan terms (years): 3, 4, 5, 6, 7
- Loan amount: $5,000 - $50,000
- Fees: None
- Discounts: Autopay, loyalty
- Eligibility: Does not disclose
- Min. income: Does not disclose
- Customer service: Phone
- Soft credit check: Yes
- Min. credit score: Does not disclose
- Time to get funds: 1 - 3 days
|

Show details | 3, 4, 5 | $5,000 - $75,000 |
- Rates: Fixed
- Loan terms (years): 3, 4, 5
- Loan amount: $5,000 - $75,000
- Fees: Does not disclose
- Discounts: Autopay
- Eligibility: Available in all states except AL, DE, KY, NV, and RI
- Min. income: Does not disclose
- Customer service: Phone, email
- Soft credit check: Yes
- Min. credit score: 680
- Time to get funds: 1 - 3 days
|
The lenders in this table aren't our partners. But you can use Credible to compare rates in 2 minutes from other lenders who offer personal loans.
Get Rates Now
|
Check Out: Home Improvement Loans
How to get a good credit loan
If you’re ready to apply for a personal loan, follow these four steps:
- Research and compare lenders. Be sure to consider as many personal loan lenders as you can to find the right loan for you. Consider not only interest rates, but also repayment terms and any fees the lender charges.
- Pick a loan option. After comparing lenders, choose the loan option that works best for you.
- Complete the application. Once you’ve picked a lender, you’ll need to fill out a full application and submit any required documentation, such as pay stubs or tax returns.
- Get your funds. If you’re approved, the lender will have you sign for the loan so the money can be released to you. The time to fund a personal loan is usually about one week — though some lenders offer fast personal loans that can be funded as soon as the same or next business day after approval.
Tip: Before you take out a personal loan, be sure to consider how much that loan will cost you in the future. This way, you can be prepared for any added expenses.
You can estimate how much you’ll pay for a loan using our personal loan calculator below.
Total Payment
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Total Interest
$
Monthly Payment
$
With a
$
loan, you will pay
$
monthly and a total of
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in interest over the life of your loan. You will pay a total of
$
over the life of the
loan.
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Learn More: Swimming Pool Loans: Finance With a Personal Loan
What is a good credit score to get a loan?
To get approved for a personal loan, you’ll typically need good to excellent credit. This usually means a score of 700 or higher.
Additionally, having a good credit score means you’re more likely to qualify for lower interest rates as well as higher loan amounts.
Keep in mind: Some lenders offer
personal loans for bad credit, but these loans generally have higher interest rates compared to good credit loans.
Here are the credit score ranges you’ll typically come across:
Credit score ranges | Credit rating |
Below 640 | Poor |
640 to 699 | Fair |
700 to 749 | Good |
750 and up | Excellent |
If your credit isn’t where you’d like it to be, adding a cosigner with good credit to your loan is one way to boost your chances of approval and of getting a lower interest rate. Not every lender allows cosigners on a loan, but some do. These are our partners that offer cosigned loans:
- Achieve
- LendingClub
- LightStream
- Happy Money
- PenFed Credit Union
- SoFi
Check Out: Getting a Loan With No Credit: 4 Loans for New Borrowers
Will a personal loan boost my credit score?
When you apply for a personal loan, the lender will perform a hard credit check to estimate how likely you are to repay the loan. This could cause your score to drop slightly — usually five points or less. This effect is usually only temporary, and your credit score could bounce back within a few months.
The good news is that a personal loan could actually boost your credit score over time — outweighing any initially negative impact. For example, most borrowers who use a personal loan to consolidate debt see a credit score increase 20 points or more, according to TransUnion.
A few positive ways a personal loan could impact your credit score include:
- Building positive payment history: Payment history is the largest factor that determines your credit score. If you make on-time payments on your personal loan, you could see a boost to your credit.
- Lowering credit utilization ratio: Your credit utilization is the amount you owe on revolving credit lines — such as credit cards — compared to your limits. If you use a personal loan to consolidate your debt, you could reduce your credit utilization ratio and improve your credit score.
- Diversifying your credit mix: Lenders like to see that you can handle multiple types of credit — which is why having different kinds of loans contributes to your credit score. Adding a new personal loan could help improve your credit mix and potentially boost your score.
Learn More: Credit Card Consolidation Loans
Personal loans vs. credit cards
Another option to make a large purchase, consolidate debt, or cover another unexpected expense is to use a credit card. If you’re considering a personal loan versus a credit card, here are a few pros and cons of both to keep in mind:
Personal loans
Pros | Cons |
Lower interest rates | Might come with fees |
Fixed monthly payments | Set loan amount |
Can apply with a cosigner | Begin to accrue interest immediately |
Personal loans typically have lower interest rates than credit cards — especially for borrowers with good to excellent credit. They also have fixed interest rates, which means your monthly payment amount won’t change. Some lenders allow cosigners on personal loans, which can help you get approved or even get you a lower interest rate.
Keep in mind that some personal loan lenders charge fees, like origination fees for processing the loan, or late fees if you miss a payment. These can increase your overall loan cost. And since personal loans are made for a set amount, you’ll have to apply for a second personal loan if you need additional funds in the future.
Credit cards
Pros | Cons |
0% APR possible | Higher interest rates |
Could continue to help build your credit | Might charge fees |
Rewards or perks | Could be tempting to rack up a balance |
Some credit cards come with a 0% APR introductory period, which means you can avoid paying interest if you repay your balance before the intro period ends. But if you don’t pay the card off in time, you could be stuck with hefty interest charges. If you keep the credit card open and continue making payments on time, it can help you build credit. And depending on the card you choose, you might be able to take advantage of rewards or perks, such as airline miles or cash back.
But credit cards typically charge higher interest rates than personal loans, and you might have to pay fees for balance transfers, cash advances, and more. You’ll need good to excellent credit to qualify for a 0% APR credit card. And if you don’t stick to a budget it can be easy to swipe your credit card without thinking, which could draw you further into debt.
Learn More: What You Need to Know Before Taking Out an $80k Loan
How much can I borrow with a personal loan?
Personal loans typically range from $600 to $100,000 or more, depending on the lender. Keep in mind that you’ll likely have an easier time getting approved for a large loan balance if you have:
- Good to excellent credit
- Income that supports your ability to repay the loan
- Low debt-to-income ratio
Tip: Be sure to borrow only what you need — even if you qualify for a larger amount. This way, you can keep your future costs as low as possible.
If you decide to take out a personal loan, remember to consider as many lenders as possible to find a loan that best suits your needs. Credible makes this easy — you can compare your prequalified rates from multiple personal loan lenders in two minutes.
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Credible’s personal loan lenders for good and excellent credit
About Rates and Terms: Rates for personal loans provided by lenders on the Credible platform range between 5.40%-35.99% APR with terms from 12 to 84 months. 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 10%. 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 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. 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 12, 2019, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.
About the author
Josh Patoka
Josh Patoka is a personal finance authority and a contributor to Credible. His work has been published on Fox Business and several award-winning personal finance blogs including Well Kept Wallet, Wallet Hacks, and Frugal Rules.
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