A minimum credit score of 700 is typically considered a good credit score, while 750 and above is excellent.
To help you make an informed decision when it comes to choosing a personal loan, here are 11 of the best personal loan lenders for good and excellent credit with loan amounts ranging from $1,000 to $100,000.
In this post:
- Personal loans for good credit
- Personal loans for excellent credit
- Debt consolidation for good credit
- Personal loans for thin credit history
- Best personal loan lenders for good or excellent credit
- What’s factored into your credit score?
- How much will it cost to take out a personal loan?
Personal loans for good credit
Having a good credit score typically means you fall between 700 and 750. Here are some of the best lenders to consider if you have a good credit score.
| Lender | Rates | Loan Amounts | |
|---|---|---|---|
 | Fixed: 6.95% - 35.89% APR | $1,000 up to $40,000 | Get Rates |
 | Fixed: 6.95% - 35.99% APR | $2,000 up to $40,000 | Get Rates |
Personal loans for excellent credit
Excellent credit is typically a score of 750 or higher. If your score is excellent, you’re most likely going to get approved for a personal loan with better rates. Here are some lenders that offer personal loans for excellent credit.
| Lender | Rates | Loan Amounts | |
|---|---|---|---|
 | Fixed: 5.99% - 29.99% APR | $2,000 up to $35,000 | Get Rates |
 | Fixed: 4.99% - 16.79% APR | $5,000 up to $100,000 | Get Rates |
 | Fixed: 6.99% - 28.99% APR1 (For NY residents: 6.99% - 24.99% APR) | $3,500 up to $40,000 | Get Rates |
Debt consolidation for good credit
If you’re looking to move all your loans into one lender, you can probably get a debt consolidation loan through almost any lender you’d like. But some loan servicers specialize in loan consolidation. Look for a lender that has no origination fee, prepayment penalty, or transfer charges.
| Lender | Rates | Loan Amounts | |
|---|---|---|---|
 | Fixed: 5.99% - 29.99% APR | $10,000 up to $40,000 | Get Rates |
 | Fixed: 5.99% - 24.99% APR | $5,000 up to $35,000 | Get Rates |
 | Fixed: 6.98% - 35.89% APR | $1,000 up to $50,000 | Get Rates |
Personal loans for thin credit history
If you’re a new borrower, you might have good credit but a thin credit history. Here are a few personal loan lenders who might work with your short credit history.
| Lender | Rates | Loan Amounts | |
|---|---|---|---|
 | Fixed: 9.95% - 35.99% APR | $2,000 up to $35,000* | Get Rates |
 | Fixed: 15.49% - 34.99% APR | $2,000 up to $25,000 | Get Rates |
 | Fixed: 6.14% - 35.99% APR1 | $1,000 to $50,0002 | Get Rates |
Best personal loan lenders for good or excellent credit
| Lender | Rates | Loan Amounts | |
|---|---|---|---|
| Fixed: 9.95% - 35.99% APR | $2,000 up to $35,000 | Get Rates |
| Fixed: 5.99% - 29.99% APR | $2,000 up to $35,000 | Get Rates |
| Fixed: 5.99% - 29.99% APR | $10,000 up to $35,000 | Get Rates |
| Fixed: 6.95% - 35.89% APR | $1,000 up to $40,000 | Get Rates |
| Fixed: 15.49% - 34.99% APR | $2,000 up to $25,000 | Get Rates |
| Fixed: 4.99% - 16.79% APR | $5,000 up to $100,000 | Get Rates |
| Fixed: 6.99% - 28.99% APR1 (For NY residents: 6.99% - 24.99% APR) | $3,500 up to $40,000 | Get Rates |
| Fixed: 5.99% - 24.99% APR | $5,000 up to $35,000 | Get Rates |
| Fixed: 6.95% - 35.99% APR | $2,000 up to $40,000 | Get Rates |
| Fixed: 6.98% - 35.89% APR | $1,000 up to $50,000 | Get Rates |
| Fixed: 6.14% - 35.99% APR1 | $1,000 to $50,0002 | Get Rates |
What’s factored into your credit score?
Your credit score is made up of a few different factors. While some have a higher impact on your score than others, it’s important to pay attention to each category when building up your credit:
- Payment history: Always try to make on-time payments.
- Credit utilization: This is the amount of credit card debt (and other debt) you have divided by the amount of credit available to you. It’s best to try to keep your credit usage below 30%.
- Length of credit history: The longer you’ve been using credit, the more attractive you are to lenders.
- Credit mix: This is the type of credit you’re using. Having more than one type of credit can show lenders your borrowing diversity.
- New credit: Apply for new credit with caution. Every new application causes a hard credit check, which can cause your score to take a temporary dip.
How much will it cost to take out a personal loan?
The cost of taking out a personal loan will depend on the interest rate you get (which takes into consideration your credit score, loan purpose, and other factors). Typically, the shorter the loan term, the lower the rate, as well.
Your interest rate and loan term will also impact your monthly payment, so make sure you budget for your personal loan payment. Use our calculator to estimate the cost of your personal loan.
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Credible’s picks for personal loans for good and excellent credit
- Avant: Best for thin credit history
- Best Egg: Best for excellent credit
- FreedomPlus: Best for debt consolidation
- LendingClub: Best for good credit
- LendingPoint: Best for thin credit history
- LightStream: Best for excellent credit
- Marcus: Best for excellent credit
- Payoff: Best for debt consolidation
- Prosper: Best for good credit
- Upgrade: Best for debt consolidation
- Upstart: Best for thin credit history
Jamie Young contributed to the reporting for this article.
*If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state.
**Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33.
Methodology: Credible evaluated loan and lender data points in nine categories to identify the "best companies" for personal loans. We looked at each lender's interest rates, fees, and the availability of repayment terms and discounts. We also considered each company's eligibility requirements, time to receive funds, and the level of customer service provided. Lenders received additional points for their willingness to participate in a marketplace, and the ability for consumers to request rates with a soft credit check. Because every lender has its own system for evaluating borrowers, the best loan or lender will depend on an individual's unique circumstance, the loan features that are most important to them, and the interest rate and terms they qualify for.About Rates and Terms: Rates for personal loans provided by lenders on the Credible platform range between 3.99% - 35.99% APR with terms from 24 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 8%. 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.
1The full range of available rates varies by state. The average 3-year loan offered across all lenders using the Upstart platform will have an APR of 20% and 36 monthly payments of $35 per $1,000 borrowed. There is no down payment and no prepayment penalty. Average APR is calculated based on 3-year rates offered in the last 1 month. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.2Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Loans are not available in West Virginia or Iowa.The minimum loan amount in MA is $7,000. The minimum loan amount in OH is $6,000. The minimum loan amount in NM is $5,100. The minimum loan amount in GA is $3,100.
3If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.
