Personal Loans by Credit Score
Your credit score is the single biggest factor in the rate you'll get. Find lenders and typical APRs for your credit range.
Choose Your Credit Range
Select your credit score tier to see recommended lenders, typical rates, and approval tips.
Excellent Credit
750–850Top-tier rates and terms. You'll qualify for the best offers.
Good Credit
700–749Strong rates with wide lender selection. Solid position.
Fair Credit
650–699Moderate rates available. More options than you might think.
Poor Credit
580–649Options exist, but rates will be higher. Compare carefully.
Bad Credit
300–579Limited options, but better than payday loans. We can help.
No Credit History
No FICO scoreNew to credit? Build your profile with the right loan.
How Your Credit Score Affects Loan Rates
Lenders use your credit score as the primary factor in determining your interest rate. A difference of 100 points can mean 5–15 percentage points in APR — on a $20,000 loan, that's thousands of dollars over the life of the loan.
Most online lenders let you check your rate with a soft credit pull (no score impact). Pre-qualifying with 3–4 lenders takes minutes and helps you find the best offer for your credit profile.
Check Your Rate in 2 Minutes
No credit score impact. Compare offers from multiple lenders.
Compare Loan RatesHow much do you need?
Check rates from 200+ lenders — no credit impact.