Best Personal Loans for Good Credit in January 2026
Low-interest loans for good credit scores (670-739)
| Lender | User rating | APR | Term | Amount | |
|---|---|---|---|---|---|
|
8.99% – 29.99% | 24 to 60 months |
$5k – $50k |
||
|
6.99% – 35.99% | 36 to 60 months |
$2k – $50k |
||
|
7.99% – 24.99% | 36 to 84 months |
$2.5k – $40k |
||
|
7.99% – 35.99% | 24 to 72 months |
$1k – $50k |
||
|
6.24% – 24.89% (with autopay) | 24 to 84 months |
$5k – $100k |
||
|
8.74% – 35.49% (with discounts) | 24 to 84 months |
$5k – $100k |
Read more about how we made our picks for the best personal loans for good credit.
Top personal loans for borrowers with good credit
Best for: Interest rate discounts – Achieve
- APR
- 8.99% – 29.99%
- Multiple opportunities for a rate discount
- Check rates without affecting credit
- No fees for paying off loan early
- Rates go up to 29.99%
- Upfront fee
- Must borrow at least $5,000
Achieve offers interest rate discounts if you do any of the following: add a qualified co-borrower, show proof of “sufficient” retirement funds or allow Achieve to use at least 85% of the loan to pay off your qualifying existing debt directly (when consolidating debt). Discounted annual percentage rates (APRs) can help you save on the total cost of your loan.
While many lenders don’t charge upfront fees, Achieve does charge an origination fee of 1.99% – 9.99%, which will be taken out of your loan funds. Achieve loans start at $5,000, so consider other lenders on this list if you’re looking for a small loan.
Other than a credit score of at least 640, Achieve will typically ask you to provide the following documents and information:
- Proof of income
- Social Security number
- Government-issued ID
- Employment status
You must also live in an eligible U.S. state (Achieve operates in most states, with a small number excluded).
Best for: Getting lower rates with a high income – Best Egg
- APR
- 6.99% – 35.99%
- Can qualify for low rates with income above $100,000
- Check rates without damaging credit
- Get money in as soon as one day
- No extra charge for paying off loan early
- Charges upfront fee
- Rates go up to 35.99%
- Need credit score of 700 to qualify for lowest rates
Best Egg only offers its lowest rates to consumers who have a minimum income of $100,000 and a credit score of at least 700. If you meet these criteria, you could qualify for their low starting rates — and you can check your rates with no damage to your credit by prequalifying.
Note that borrowers with good credit that doesn’t quite hit that 700 benchmark will get higher rates, and Best Egg charges an upfront origination fee regardless of credit score.
You must meet the requirements below to qualify for a Best Egg loan:
- Citizenship: Be a U.S. citizen or permanent resident living in the U.S.
- Administrative: Have a personal checking account, email address and physical address
- Residency: Live in an eligible U.S. state (Best Egg operates in most states, with a small number excluded)
- Credit score: 580+
Best for: Excellent customer service – Discover
- APR
- 7.99% – 24.99%
- Repayment assistance program and U.S.-based customer service
- No upfront fees or fees for paying off loan early
- Long loan terms
- Can’t apply with another person
- Can only borrow up to $40,000
Discover offers multiple repayment assistance options that can help keep you on track if you hit a financial hardship. Plus, Discover’s customer service department is based in the U.S, and 97% of LendingTree users who borrowed from Discover recommend the lender.
Discover doesn’t allow you to apply with a co-borrower to qualify for lower rates. Since Discover loans max out at $40,000, consider other lenders if you need to cover a large expense.
You’ll need to meet these eligibility criteria to get a Discover loan:
- Age: Be at least 18
- Citizenship: Have a Social Security number
- Administrative: Have a physical address, email address and internet access
- Income: Minimum income of $40,000 (individually or as a household)
- Credit score: 720+
Best for: Small loans – LendingPoint
- APR
- 7.99% – 35.99%
- Loans start at $1,000 (loans often start at $5,000)
- Fast funding timeline
- AI model considers more than just your credit score
- Charges upfront fee
- Can’t apply with another person
- Rates go up to 35.99%
Because LendingPoint has a maximum borrowing limit of $50,000, this lender is best for consumers who are looking to make small- to mid-sized purchases. Once you’ve closed on your loan, LendingPoint will send you your money as soon as one business day.
However, if you take out a LendingPoint loan, you may have to budget for a one-time origination fee that’ll be taken out of the amount you borrow. You also won’t be able to apply with a co-borrower.
To get a loan from LendingPoint, you must meet its minimum criteria:
- Age: Be 18 years old or older
- Administrative: Provide identification issued by the U.S. government, have a Social Security number and have a bank account
- Income: Have a minimum income of $35,000
- Residency: Not live in Nevada or West Virginia
- Credit score: 660+
Best for: No fees – LightStream
- APR (with autopay)
- 6.24% – 24.89%
Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $25,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $766.11. © 2024 Truist Financial Corporation. Truist, LightStream and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.
- Doesn’t charge any fees
- Borrow up to $100,000 (many loans max out at $50,000)
- Same-day funding available
- Competitive rates
- Can’t see rates without impacting credit
- Must borrow at least $5,000
- Strict credit requirements
While many lenders charge upfront fees or prepayment penalties for paying off a loan early, LightStream stands out by not charging fees. They offer long repayment terms and loans as large as $100,000, which is more than many traditional lenders offer. Plus, LightStream has fast funding.
Keep in mind that you won’t automatically qualify for a LightStream loan just by having good credit — you’ll also need to meet other criteria like having a solid credit history. Unfortunately, LightStream doesn’t offer preapproval, so you’ll have to submit to a hard credit pull to see your rates and whether you qualify.
LightStream doesn’t specify its exact credit score requirements, but you must have good to excellent credit to qualify. Most of the applicants that LightStream approves have the following in common:
- At least five years of on-time payments under a variety of accounts (credit cards, auto loans, etc.)
- Stable income and the ability to handle paying their current debt obligations
- Savings, whether in a bank account, investment account or retirement account
Best for: Same-day funding – SoFi
- APR (with discounts)
- 8.74% – 35.49%
Fixed rates from 8.74% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% SoFi Plus interest rate discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 11/03/25 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive. Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi. SoFi Plus Discount: SoFi Plus members are eligible for an interest rate reduction of 0.25% on a Personal Loan. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval. Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2024 was around $33K. Information current as of 11/03/25. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
- Same-day funding available
- Autopay discount
- No required fees
- Borrow up to $100,000 (many loans max out at $50,000)
- Lower rates may come with a fee
- Must borrow at least $5,000
While most lenders take at least a day to fund your loan, most SoFi borrowers get their money the day they close on their loan when they sign their loan agreement by 5:30 p.m. Eastern time on a business day. SoFi also offers an autopay discount of 0.25%, and their loans max out at $100,000 instead of the $50,000 limit that many other lenders have.
If you want to qualify for lower rates, SoFi charges a 0.00% – 7.00% (optional) origination fee. However, this fee isn’t required and you can get a loan without one.
You must meet the requirements below in order to get a loan from SoFi:
- Age: Be the age of majority in your state (typically 18)
- Citizenship: Be a U.S. citizen, an eligible permanent resident or a non-permanent resident (a DACA recipient or asylum-seeker, for instance)
- Employment: Have a job or job offer with a start date within 90 days, or have regular income from another source
- Credit score: 620+
How to choose a personal loan for good credit
Good credit is generally defined as having a FICO score of 670 to 739 or a VantageScore of 661 to 780. Higher scores fall into the categories of “very good” or “excellent.”
Here’s what to look for when you’re shopping for a personal loan with a good credit score:
-
Low rates
A loan’s APR is the cost of taking out the loan. Whenever possible, choose the loan with the lowest APR to save money on interest payments and fees. -
Loan terms
When comparing loan terms, it’s smart to choose the shortest repayment term with monthly payments you can afford. With a short loan, you’ll be debt-free sooner and you’ll pay less in interest over the life of the loan. If you need smaller monthly payments, consider lengthening the repayment period with a long-term loan. -
Loan amounts
Lenders tend to have strict credit requirements for large loans, so if you need to borrow a lot of money, you may need an excellent credit score and high income. Smaller loans tend to come with less strict credit requirements. -
Requirements
Aside from your credit score, personal loan lenders consider factors like your income, residency and debt-to-income (DTI) ratio. Many lenders publish their personal loan eligibility requirements, so check each lender’s website to see if you qualify. -
Unique features
Some lenders may offer perks like interest rate discounts and unemployment protection. You can also find no-fee personal loans to save on the cost of taking out your loan. -
Lender reputation
Avoid untrustworthy lenders by checking the Consumer Financial Protection Bureau’s complaint database and reading online reviews on trusted third-party sites like Trustpilot and the Better Business Bureau.
What are personal loan rates for good credit?
If you have a good credit score, you’ll likely qualify for a lower APR than someone with fair or bad credit. Here are the rates you might expect to see based on your credit score:
| Credit score range | Average APR |
|---|---|
| Excellent (800 and above) | 11.77% |
| Very good (740-799) | 14.74% |
| Good (670-739) | 22.72% |
| Fair (580-669) | 30.17% |
| Poor (under 580) | 32.19% |
Where to find a personal loan with good credit
The most common places to find a personal loan with good credit are banks, credit unions, online lenders and online marketplaces. Here’s what you need to know about finding loans at these financial institutions and companies.
Banks
Banks tend to have lower APRs, but they also often have strict eligibility requirements. That said, if you’re already a customer of a bank that offers personal loans, you may have an easier time qualifying, especially if you have good credit.
Credit unions
Federal credit union personal loans are legally capped at 18% APR, and they tend to have lower interest rates and fewer fees. However, credit unions typically require that you become a member before you can take out a loan, and some lenders have narrow eligibility criteria.
Online lenders
Online lenders tend to have higher APRs than banks and credit unions, but they still offer competitive starting rates for good-credit loans. Applying for a loan with an online lender is typically more convenient because you won’t have to visit a branch in person — a requirement for several credit unions and banks.
Online marketplaces
Online marketplaces like LendingTree allow you to comparison shop with multiple lenders at once without any damage to your credit score. You can see real offers from up to five lenders by filling out our short online form.
Alternatives to personal loans for good credit
Even if you have good credit, a personal loan may not be the best fit for your particular financial situation. Consider these alternatives to getting a personal loan:
- Credit card: Credit cards are a better option for small, ongoing expenses and earning rewards. You can save on interest by using a 0% intro APR credit card as long as you can pay off your loan in full during the introductory period, which typically lasts six to 21 months. Compare credit cards versus personal loans.
- Personal line of credit: A personal line of credit works like a credit card and comes with predetermined withdrawal and repayment periods. This type of debt isn’t common, and you’re most likely to find one through your current bank or credit union. Compare lines of credit versus personal loans.
- Home equity loan: If you own a house, you may be able to get a home equity loan. This works like a personal loan, except you’re borrowing against the equity you’ve built up in your home. Your home will serve as collateral for the loan. Compare home equity loans versus personal loans.
- HELOC: Another way you can take advantage of equity you’ve built up in your home is to take out a home equity line of credit (HELOC). These loans come with variable interest rates, and instead of receiving a lump sum, you’ll be able to borrow against a predetermined amount. Compare home equity loans versus HELOCs.
How does a personal loan affect your credit?
When you take out a loan, your FICO score can drop by about five points after your lender performs a hard credit pull. This impact is temporary.
While you can use a loan to build your credit score by making on-time monthly payments, making late payments or defaulting on your loan will have a much more devastating impact on your credit.
How we chose the best personal loans for good credit
We reviewed more than 40 lenders and loan marketplaces to determine the overall six best personal loans for good credit borrowing. To make our list, lenders must offer loans to users with credit scores between 670 and 739 or explicitly state that they offer loans to consumers with good credit.
From there, we assessed each lender or marketplace across four categories: eligibility and access; cost to borrow; loan terms and options; repayment support and tools.
According to our systematic rating and review process, the best loans for good credit come from Achieve, Best Egg, Discover, LendingPoint, LightStream and SoFi.
Our categories
We assess how easy it is for people to qualify and apply. This includes state availability, soft-credit prequalification, membership requirements, funding speed and whether borrowers with less-than-excellent credit can get a loan.
We evaluate how affordable the loans are based on minimum and maximum APRs, loan fees and rate discounts. Lenders with unclear or potentially predatory costs receive lower scores.
We consider repayment term flexibility, loan amount ranges and whether options like secured loans, joint loans or direct-to-creditor payments are offered — plus whether the lender clearly communicates these options.
We evaluate borrower experience after funding: customer service access, hardship or forbearance programs, payment flexibility and digital tools like mobile apps or credit monitoring.
Our process
We gather data directly from lenders through their websites, disclosures and direct communication with company representatives. Our editorial team verifies and updates information regularly. We value transparency and award less favorable scores when lenders obscure or omit details.
Our editorial team applies the same scoring model and standards to every lender. Lenders cannot pay to influence our ratings.
Why trust LendingTree’s methodology?
Our writers and editors dig through the facts, contact lenders directly and even go through the application process ourselves if it helps better explain what you can expect. As a Certified Financial Education Instructor℠, I’m committed to breaking down complex financial details so people can make confident, informed decisions with their money.
Jessica’s experience in editing and financial education helps shape LendingTree articles that are clear, accurate and truly useful to readers. Her certification means our recommendations are built on a foundation of consumer-first financial knowledge — not just numbers.
Frequently asked questions
A good credit score is a minimum of 670 with FICO or 661 with VantageScore. Having good credit helps you qualify for more loans and get better rates and terms. If you have poor credit, consider bad-credit personal loans before you take out a loan with predatory rates from a payday lender.
Personal loan lenders typically offer up to $50,000 to $100,000, but how much you can borrow depends on the lender, your credit score, your credit history, your income and how much debt you have.
The better your credit and the higher your income, the more you’ll be able to borrow. Use a personal loan calculator to estimate how much debt you can afford and to determine your monthly payments.
You can check your credit score for free with LendingTree Spring, through your current bank or credit union or with the three credit bureaus. Checking your score won’t damage your credit.
You can improve your credit score by having on-time payment history on all your credit cards and loans. Lowering your credit utilization rate — how much credit you’re using versus how much you have available — will also boost your score.