Compare personal loans for excellent credit scores of 720 or more

Compare personal loans for excellent credit scores of 720+

Great things come from great responsibility. Let your excellent credit work for you when you take out your next loan.

It’s not easy staying on top of all your finances. But you’ve managed to do it, all while maintaining an excellent credit score. Now you’re looking into a personal loan, and you’re wondering how it might benefit you.

This guide will take you through the benefits of excellent credit, and how to keep that score up, or even improve it.

Laurel Road Personal Loans

Laurel Road Personal Loans

Get a personalized rate offer through a quick online application. Recommended for people with annual income of $60K+ and debt of less than 40% of their income.

  • Min. Credit Score Required: 680
  • Min. Loan Amount: $1,000
  • Max. Loan Amount: $45,000
  • Starting APR: 5.5%
  • Loan Term: 3, 4 or 5 years
  • Rate discounts for autopay
  • No prepayment fees

    What exactly is an excellent credit score?

    An excellent credit score generally sits between 720 and 850.

    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 also 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.

    How does my credit score affect my application?

    Interest rates, loan terms and your ability to be approved are all affected by your credit score. Your credit score is a reflection of your ability to meet financial obligations. By having a higher score, you’re showing a high level of fiscal responsibility.

    When lenders are more confident about your ability to pay back the loan, they view lending to you as less of a risk. With an excellent credit score, you’re more likely to be approved for bigger loans. Smaller loans can end up costing you a lot less in interest because loan providers view you as reliable.

    Compare excellent credit personal loans

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

    Rates last updated April 20th, 2018

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    Select your credit score range

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    To get your credit score:

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    Experian is a leading provider of personal and business credit reporting. Find out your FICO score now for less than the cost of a cup of coffee.

    Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
    Name Product Product Description Min. Credit Score Max. Loan Amount APR
    Even Financial Personal Loans
    Get connected to competitive loan offers instantly from top online consumer lenders.
    4.99%–35.99% (fixed)
    Monevo Personal Loans
    Quickly compare multiple online lenders with competitive rates depending on your credit score.
    3.09%–35.99% (fixed)
    Upgrade Personal Loans*
    Affordable loans with two simple repayment terms and no prepayment penalties.
    5.96%–35.97% (fixed)
    Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.
    5.99%–35.99% (fixed)
    LendingClub Personal Loan
    A peer-to-peer lender offering fair rates based on your credit score.
    5.98%–35.89% (fixed)
    CompareFirst Personal Loans
    An easy-to-use loan connection service geared toward introducing first-time borrowers to affordable personal loans.
    2.99%–36% (fixed)
    Best Egg Personal Loans
    A prime lender with multiple repayment methods.
    5.99%–29.99% (fixed)
    FreedomPlus Personal Loans
    Consolidate debt and more with these low-interest loans. Cosigners welcome.
    4.99%–29.99% (fixed)
    Laurel Road Personal Loans
    Get a personal loan with no application or origination fees and a rate discount for autopay.
    5.5%–11.74% (fixed)
    LendingPoint Personal Loans
    Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
    15.49%–34.99% (fixed)
    NetCredit Personal Loan
    Check eligibility in minutes and get a personalized quote without affecting your credit score.
    34%–155% (fixed)
    OneMain Financial Personal and Auto Loans
    An established online and in-store lender with quick turnaround times. Poor credit is OK.
    typically around 18.49%* (fixed)

    Compare up to 4 providers

    What personal loans are available to people with excellent credit?

    Excellent credit opens the doors to just about every borrowing option out there.

    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. Keep down the ratio of how much you borrow compared to your overall credit by paying off as many open balances as you can.
    • Keep open balances low. If you can’t pay them off completely, make sure those balances 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 isn’t a balance and you aren’t using them often, you’re keeping your utilization ratio at a favorable level.
    • Keep making regular payments. Maintain those your excellent credit rating by making your payments on time and in full.

    Compare loan options for different credit score ranges

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

    Bottom line

    Many advantages come with having an excellent credit score. When you’re considering a personal loan, you’ll have many options to consider.

    Make sure to do your research, compare all of your personal loan options, talk to friends and experts — and sleep on it before signing any contracts.

    Frequently asked questions about excellent credit personal loans

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    US Personal Loans Offers

    Important Information*
    Even Financial Personal Loans

    Get connected to competitive loan offers instantly from top online consumer lenders.


    Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.

    LendingClub Personal Loan

    A peer-to-peer lender offering fair rates based on your credit score.

    SoFi Personal Loan Fixed Rate (with Autopay)

    Borrow up to $100,000 with a competitive APR and no fees.

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