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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 Credible’s partner lenders for good and excellent credit with loan amounts ranging from $1,000 to $100,000.
The personal loan companies in this article are all Credible’s partner lenders. We have not included other lenders.
In this post:
- Personal loans for good credit
- Personal loans for excellent credit
- Debt consolidation for good credit
- Personal loans for thin credit history
- Credible’s personal loan lenders for good or excellent credit
- Other personal loan lenders to consider
Personal loans for good credit
Having a good credit score typically means you fall between 700 and 750. Here are the Credible lenders to consider if you have a good credit score.
| Lender | Fixed rates | Loan amounts |
|---|---|---|
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.
| 6.49% - 29.99% APR | $5,000 up to $35,000 |
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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.
| 10.68% - 35.89% APR | $1,000 up to $40,000 |
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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.
| 6.95% - 35.99% APR | $2,000 up to $40,000 |
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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% - 18.83% APR | $5,000 to $100,000 |
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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 the Credible lenders to consider for excellent credit.
| Lender | Fixed rates | Loan amounts |
|---|---|---|
| 6.49% - 29.99% APR | $5,000 up to $35,000 |
 | 5.99% - 29.99% APR | $5,000 up to $35,000 |
 | 3.99% - 19.99% APR | $5,000 up to $100,000 |
 | 6.99% - 19.99% APR1 | $3,500 to $40,0002 |
 | 5.99% - 18.83% APR | $5,000 to $100,000 |
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. Here are the Credible lenders to consider if you need to consolidate debt.
| Lender | Fixed rates | Loan amounts |
|---|---|---|
| 6.49% - 29.99% APR | $5,000 up to $35,000 |
 | 6.99% - 24.99% APR | $2,500 up to $35,000 |
 | 7.99% - 29.99% APR | $10,000 up to $40,000 |
 | 18.00% - 35.99% APR | $1,500 to $20,000 |
 | 5.99% - 24.99% APR | $5,000 up to 40,000 |
 | 5.99% - 17.99% APR | $600 to $20,000 (depending on loan term) |
| 5.99% - 18.83% APR | $5,000 to $100,000 |
 | 5.94% - 35.97% APR | $1,000 up to $50,000 |
Personal loans for thin credit history
If you’re a new borrower, you might have good credit but a thin credit history. Here are the Credible lenders to consider if you have a short credit history.
| Lender | Fixed rates | Loan amounts |
|---|---|---|
 | 9.95% - 35.99% APR | $2,000 to $35,000* |
 | 15.49% - 35.99% APR | $2,000 to $25,000 |
 | 8.27% - 35.99% APR4 | $1,000 to $50,0005 |
Credible’s personal loan lenders for good or excellent credit
| Lender | Fixed rates | Loan amounts |
|---|---|---|
| 9.95% - 35.99% APR | $2,000 to $35,000 |
| 6.49% - 29.99% APR | $5,000 to $35,000 |
| 5.99% - 29.99% APR | $5,000 to $35,000 |
![discover](https://www.credible.com/blog/wp-content/uploads/2020/12/Discover_PersonalLoans_Primary_Logo_RGB.png"){kind=logo} | 6.99% - 24.99% APR | $2,500 to $35,500 |
| 7.99% - 29.99% APR | $10,000 to $35,000 |
 | 10.68% - 35.89% APR | $1,000 to $40,000 |
| 15.49% - 35.99% APR | $2,000 to $25,000 |
| 3.99% - 19.99% APR | $5,000 to $100,000 |
| 6.99% - 19.99% APR1 | $3,500 to $40,0002 |
| 18.00% - 35.99% APR | $1,500 to $20,000 |
| 5.99% - 24.99% APR | $5,000 to $40,000 |
| 5.99% - 17.99% APR | $600 to $20,000 (depending on loan term) |
 | 6.95% - 35.99% APR | $2,000 to $40,000 |
| 5.99% - 18.83% APR | $5,000 to $100,000 |
 | 10.97% - 35.93% APR7 | $1,000 to $20,000 |
| 5.94% - 35.97% APR | $1,000 to 50,000 |
| 8.27% - 35.99% APR4 | $1,000 to $50,0005 |
Other personal loan lenders to consider
Here are more personal loan companies we evaluated. Keep in mind that these lenders are not offered through Credible, so you won’t be able to easily compare your rates with them on the Credible platform like you can our partner lenders.
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What is a good credit score for a personal loan?
Generally, lenders look for a credit score of at least 620 or higher when it comes to personal loans. However, if you want a lower rate on your loan, the higher your credit score, the better.
A good credit score range is typically between 700 and 749; with excellent credit being 750 and above.
Find Out: How Debt Consolidation Helps Your Credit
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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How can I get a good credit personal loan?
If you’re looking for a personal loan, just follow these simple steps:
- Review your credit report: To ensure your credit is up to par, and that you’ll be able to qualify for a good credit personal loan, you’ll want to review your credit report. It’s also a good idea to look for any errors or inaccuracies on your credit report that could be affecting your credit.
- Make sure you meet the minimum requirements: To qualify for a personal loan, lenders typically look for a credit score of at least 620 and a debt-to-income ratio below 40%.
- Compare rates from multiple lenders: If you want the best rate for your credit score, it’s a good idea to compare multiple lenders first to find the right fit for you. Credible allows you to compare offers from multiple lenders at once, so you can find the best personal loans with interest rates and repayment terms that work for you and your credit score.
Keep Reading: Compare Personal Loans for Bad Credit
How to choose a personal loan lender
Before choosing a personal loan, it’s a good idea to compare multiple personal loan lenders.
When comparing lenders, you should consider:
- Interest rates: Personal loan interest rates vary from lender to lender. So comparing rates from multiple lenders will help you find the best rate for your situation.
- Loan terms: From loan amounts to length to the time it takes to get your funds, finding a lender that offers exactly what you need is important. Some lenders offer loan amounts as low as $1,000 and as high as $100,000 — but some might be more limited. You might also want more flexible personal loan terms like a 7-year loan to give you a more affordable monthly payment. Just keep in mind you’ll pay more in interest with a longer repayment term.
- Fees: Some personal loan lenders charge origination fees, application fees, late payment fees, and prepayment penalties. But not all lenders charge these fees, so read the fine print and look for a no-fee or low-fee lender to save money.
Credible makes comparing personal loan lenders easy, so you can find your perfect fit. You only have to fill out one form and it just takes a few minutes.
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Checking rates won’t affect your credit
Keep Reading: How to Get Out of Credit Card Debt
Credible’s personal loan lenders for good and excellent credit
- Avant: Best for thin credit history
- Axos Bank: Best for good credit
- Best Egg: Best for excellent credit
- Discover: Best for good to 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
- OneMain Financial: Best for debt consolidation
- Payoff: Best for debt consolidation
- PenFed: Best for debt consolidation
- Prosper: Best for good credit
- SoFi: Best for good credit
- Upgrade: Best for debt consolidation
- Upstart: Best for thin credit history
Methodology: Credible evaluated loan and lender data points in 8 categories to identify the “best companies” that offer personal loans to anyone with a credit score of 700 or higher. We looked at interest rates, repayment terms, repayment options, fees, discounts, and customer service availability offered by 21 lenders. We also considered each company’s max loan amount, how long it takes to receive funds, whether the minimum credit score is available publicly, and whether consumers could request rates with a soft credit check.
Credible receives compensation from its lender partners when a user of the Credible platform closes a loan with the lender.
Learn about Credible’s mission and promise to our readers.
*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.
1Rate reduction of 0.25% when enrolled in autopay.
2You may be required to have some of your funds sent directly to pay off outstanding unsecured debt.
3After making 12 or more consecutive monthly payments, you can defer one payment as long as you have made all your prior payments in full and on time. Marcus will waive any interest incurred during the deferral and extend your loan by one month (you will pay interest during this extra month). Your payments resume as usual after your deferral. Advance notice is required. See loan agreement for details.
4Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36 month loans are generally lower than rates for 72 month loans).Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions.
4The 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 25.79% and 36 monthly payments of $37 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.
5This offer is conditioned on final approval based on our consideration and verification of financial and non-financial information. Rate and loan amount are subject to change based upon information received in your full application. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, a US citizen or permanent resident, and a current resident of the US. Duplicate offers received are void. Closing your loan is contingent on your meeting our eligibility requirements, our verification of your information, and your agreement to the terms and conditions on the www.upstart.com website.
Your 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 Ohio is $6,000. The minimum loan amount in NM is $5100. The minimum loan amount in GA is $3,100.
6If 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.
About Rates and Terms: Rates for personal loans provided by lenders on the Credible platform range between 4.99-35.99% 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 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.
