Compare personal loans for good credit | Low rates for 680+ scores

Compare personal loans for good credit scores of 680 to 720

Let your diligence pay off with better rates and terms when you borrow with good credit.

You’ve worked hard to pay your bills on time, keep your credit balances down and buy smart when it comes to big purchases. Now you need to make another big financial move — looking into what your credit score can do for you. This guide will take you through the benefits of good creditworthiness and how you can leverage it to get a personal loan.

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 a good credit score?

    A good credit score generally sits between 680 and 719.

    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.

    Who offers the best loans for good credit?

    Prosper, SoFi and LendingClub are a few of the top names in the online market when it comes to peer-to-peer lending. All three lenders have different specifications for personal loans and they typically offer low interest rates. With a good credit score, either of these options should be able to get you a loan that will fit your needs.

    LenderWhy it’s best for good credit
    ProsperFixed and variable rate options and no prepayment penalties mean you can potentially save extra on interest, making your rate even more competitive.
    SoFiUnemployment protection and other perks make this loan extra-attractive to people who haven’t had time to build excellent credit yet.
    LendingClubLendClub is great for boosting your credit score into the next tier: Three quarters of borrowers say they’ve improved their credit in just a few months.


    At the forefront of peer-to-peer lending in the US, Prosper has lent its two million members over $5 billion in loans. Whether you need money for debt consolidation, home improvements, a special occasion or for other reasons, Prosper is worth your time when looking for a personal loan. Prosper offers loans ranging from $2,000 to $35,000 with three or five year loan terms and funds can be disbursed within three to five days. What they also offer is:

    • Variable and fixed APR rates. Loans start at 5.99% and can be as high as 35.99% – the rate you receive will be dependant on your credit score.
    • Making additional payments. Prosper has no prepayment penalties in place. So, if you ever choose to make any additional payments or pay off your loan ahead of time, you will not be charged any fees.
    • Prosper Daily. Prosper Daily is an financial management application where you can access all of your accounts and balances and even check your credit score.
    • Account security. Prosper has top-notch, extremely secure data centers where all of its borrowers’ personal and financial information is stored. The platform takes advantage of tools like web filtering, anti-spam, antivirus, VPN, firewall technologies and automatic sessions timeouts.

    Depending on your Prosper Rating, you’ll be charged an origination fee between 1% to 5% of the loan amount.


    SoFi is good choice when shopping for personal loans as they have lent their 275,000 members over $19 billion. They offer competitive interest rates for both variable and fixed rate loans, plus no origination fees or prepayment penalties. Loan amounts range from $5,000 to $100,000 with terms of three, five or seven years – funding speed will vary. Here is what else they can offer a borrower with good credit:

    • Variable and fixed APR rates. Loans start at 5.19% and are capped at 14.24% – each individual is quoted differently dependent on credit history.
    • Unemployment protection. Sometimes jobs fall through and people get laid off. You can apply for the SoFi Unemployment Protection Program and SoFi may suspend monthly payments temporarily, if eligible. SoFi can also help you hunt for new work via their career services program.
    • Additional perks. Automatic electronic payments via ACH can earn you a 0.25% APR discount and the customer service team is ready to assist you with any questions, seven days a week.


    Operating for over a decade, LendingClub has made a name for themselves as one of the biggest online lenders in the marketplace. Offering a variety of loan products at competitive rates, LendingClub has funded over $26.5 billion in loans. The minimum loan offered is $1,000 and the maximum is $40,000 with loan terms of either three or five years — funding typically takes a week. Here are some of the other perks offered:

    • Variable and fixed APR rates. Loan rates start at 5.99% and can go as high as 35.89% — the rate is determined by your creditworthiness.
    • Making additional payments. No prepayment penalties means you can make additional payments anytime you’d like or even pay off your loan in full before your loan term is up.
    • Hardship plans. If the unexpected happens, borrowers can temporarily make interest-only payments for up to three months.

    LendingClub has a one-time origination fee of 1% to 6% of your loan.

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    Rates last updated February 20th, 2018

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    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.
    From 4.99% (fixed)
    LendingClub Personal Loan
    A peer-to-peer lender offering fair rates based on your credit score.
    From 5.99% (fixed)
    CompareFirst Personal Loans
    An easy-to-use loan connection service geared toward introducing first-time borrowers to affordable personal loans.
    From 2.99% (fixed)
    Upgrade Personal Loans*
    From 5.66% (fixed)
    Laurel Road Personal Loans
    Get a personal loan with no application or origination fees and a rate discount for autopay.
    From 5.5% (fixed)
    FreedomPlus Personal Loans
    Consolidate debt and more with these low-interest loans. Cosigners welcome.
    From 4.99% (fixed)
    Best Egg Personal Loans
    From 5.99% (fixed)
    Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.
    From 5.99% (fixed)
    LendingPoint Personal Loans
    Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
    From 15.49% (fixed)
    NetCredit Personal Loan
    Check eligibility in minutes and get a personalized quote without affecting your credit score.
    From 34% (fixed)

    Compare up to 4 providers

    How does my credit score affect my application?

    A better credit score opens the doors for better financing. While credit scores aren’t the be-all and end-all, they can significantly affect many areas of borrowing. Interest rates, how much you can borrow and if you can qualify for a loan in the first place all heavily depend on your creditworthiness.

    Lenders place a lot of emphasis on your credit score because it’s a reflection of your ability to meet your financial obligations. Higher scores mean higher reliability, and in turn less risk for the lender. If you’re less of a risk, your interest rates aren’t going to be as high, and you’re going to have a better chance of getting a bigger loan if needed.

    What types of loans are available to people with good credit?

    Good credit affords you many options when it comes to personal loans.

    How do I compare my loan options if I have good credit?

    A good credit score opens up more borrowing options. With each of the loan types, you’ll want to look over some universal features to make sure you’re getting the most out of your financing.

    • Interest rate. APR is one of the easiest numbers to compare from lender to lender. Good credit usually means you’ll find lower interest rates. Some providers may offer significantly better rates.
    • Maximum loan amount. It’s important to consider how much you actually need to borrow versus how much you can borrow. If you can get more money from a lender but at a worse rate, it may not be worth the extra cost.
    • Loan term. A shorter term leads to lower overall repayment costs, but higher (usually monthly) payments. On the other hand, you can have lower payments but end up paying significantly more on the loan in the long run.
    • Turnaround time. While fast turnaround times are available from some lenders, they may come with added fees or higher APRs.
    • Requirements. Your eligibility is often based on more than just your credit score. Check with providers you’re interested in to make sure you meet all of the base requirements.

    I want better rates and terms on a loan. How can I improve my credit?

    Sitting at good credit is … well, good. But you may be looking to improve your score. Utilization, payment history, how long you’ve held credit, the type of credit used and the number of credit inquiries all affect your credit score. Here’s how to make them work for you.

    • Pay off open balances. Moving balances around doesn’t affect your ratio of open credit to debt, so it’s important to pay them down as much as possible.
    • Keep open balances low. Once you’ve paid down your balances, try to keep them low. Staying below 30% is the advised threshold by many experts.
    • Don’t close an unused account if you don’t have to. Your credit utilization ratio goes up if you suddenly have less credit open.
    • Avoid opening new accounts. Opening new accounts before you improve your credit score means you’re opening accounts with potentially weaker terms. Try to hold out, if possible.

    Compare loan options for different credit score ranges

    Loans for fair credit (620+)Loans for excellent credit (720+)

    Bottom line

    A good credit score can lead to getting better lending opportunities. With better loan terms, interest rates and more loan types available, you can finance bigger projects with confidence.

    Taking out any kind of loan is a big financial decision and should be met with a good deal of caution. Do your research, compare personal loan offers, talk to friends and experts — and sleep on it before signing any contracts.

    By making sure you’re getting a loan within your budget, you can protect and possibly even improve that credit score you’ve worked so hard to maintain.

    Frequently asked questions about good 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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