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Compare personal loans for excellent credit scores of 720+

Let your credit score work for you when you're searching for your next loan.


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Editor's choice: Fiona personal loans

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  • Compare multiple lenders
  • APR starting at $100,000
  • Loans up to 4.99%
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Bringing your credit score to the top of the pack isn’t easy, but it can get you lower rates, longer terms and more money. Since you’ve done the difficult job of building your credit, it’s time to compare lenders that will give you the best deal when you’re ready to take out a personal loan.

3 best loans for borrowers with excellent credit

These providers offer low interest rates and competitive terms for borrowers with excellent credit.

ProviderAPRMax loan amountMax loan term
Best Egg5.99% to 29.99%$35,0005 years
Credible4.99% to 35.99%$100,0007 years
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SoFi5.99% to 18.72%$100,0007 years
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What do lenders consider excellent credit?

Most lenders consider credit scores between 720 and 850 to be excellent credit.

Excellent credit generally means that you’ve regularly paid off debt on time over a long period of time and have multiple types of debt. It also typically means that you have access to large amounts of credit and low credit card balances.

How does my credit score affect my application?

Your credit score can affect your application by helping you qualify for lower rates, larger loan amounts and more favorable terms.

Many borrowers with excellent credit can expect interest rates well below 10% when they borrow, and some can even expect to get close to the Prime Rate banks use to lend money to other banks. In addition, you’re more likely to be approved for bigger loans when you need them and smaller loans may end up costing you much less in interest as well.

Why is excellent credit seen so favorably?

Excellent credit is a reflection of your ability to meet financial obligations, so by having a higher score, you’re showing a high level of fiscal responsibility. And when lenders are more confident about your ability to pay back a loan, you’re seen as much less of a risk.

Compare excellent credit personal loans

Select your credit score range in the filter below to find the best loans for your credit score.

Data indicated here is updated regularly
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
Fiona personal loans
4.99% to 35.99%
Get loan offers from multiple lenders at once without affecting your credit score.
Good to excellent credit
Borrow up to $100,000 with low rates and no fees.
Credible Personal Loans
4.99% to 35.99%
Fair to excellent credit
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
SoFi personal loans
5.99% to 18.72%
A highly-rated lender with competitive rates, high loan amounts and no fees.
Upgrade personal loans
7.99% to 35.97%
Affordable loans with two simple repayment terms and no prepayment penalties.
Monevo personal loans
3.49% to 35.99%
Quickly compare multiple online lenders with competitive rates depending on your credit.
10.68% to 35.89%
A peer-to-peer lender offering fair rates based on your credit score.

Compare up to 4 providers

What loans are available to people with excellent credit?

Excellent credit opens the doors to just about every borrowing option out there. Lenders know you’ll be a good return on investment, so when you want to borrow, it can pay to be meticulous as you compare your options.

How do I maintain my credit score?

There are several factors that affect your credit score. Here are some tips on how you can maintain it or bump it up a bit more.

  • Pay off open balances or keep them low.

    Keep down the ratio of how much you borrow compared to your overall credit by paying off as many open balances as you can. If you can’t pay your balances off completely, make sure they stay low. Most experts recommend that you don’t go above 30% in using your total available credit.

  • Don’t close an unused account if you don’t have to.

    By leaving accounts open, even if there aren’t any balances and you aren’t using them often, you’re keeping your utilization ratio at a favorable level.

  • Keep making regular payments.

    Maintain your excellent credit score by making your payments on the due date. Late payments can lower your score and negatively impact your credit.

Credit scores aren’t as clear-cut as you might think

The three main credit bureaus — Equifax, Experian and TransUnion — each use their own scoring systems. There’s also FICO (Fair Isaac Corporation), which uses a different system and is considered the industry standard by many lenders.

Even though these bureaus collect the same information to determine your credit score, there’s enough variance in their algorithms to result in different scores among them. If you’re just on the cusp of excellent credit, you may have both good and excellent credit depending on which system your lender uses. Either way, you’ll be in a good position to borrow without having to pay too much in interest.

What makes a good credit score

Compare loan options for different credit scores

Loans for fair credit (620+)Loans for good credit (680+)

Bottom line

There are advantages to having an excellent credit score. It often means you’ll have lower interest rates and better terms, but to really take advantage of your hard work, you’ll want to compare all of your personal loan options.

Always take the time to determine the best loan for you and if you can handle the payments. After all, you’ve already come so far. You won’t want to lose your excellent credit to a loan you could have gotten cheaper.

Frequently asked questions about excellent credit personal loans

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