Loans for Excellent Credit
750–850Top-tier rates and terms. You'll qualify for the best offers.
Excellent Credit Loan Overview
With excellent credit (750+), you're in the top tier of borrowers. Lenders compete for your business, offering the lowest APRs, highest loan amounts, and most flexible terms. You'll likely qualify for every major lender and can afford to be selective about fees, prepayment penalties, and repayment flexibility.
Score Range
750–850
Typical APR
5.99% – 12.99%
Approval Odds
Very High
Tips for Excellent Credit Borrowers
You have leverage — negotiate rates and fees
Look for lenders offering rate discounts for autopay (0.25–0.50%)
Consider shorter terms to save on total interest
Don't settle for the first offer — compare at least 3 lenders
Best Lenders for Excellent Credit
Most major lenders will offer you their best rates. SoFi, LightStream, and Marcus are particularly competitive for excellent credit borrowers.
SoFi
4.8 / 5.0
SoFi offers some of the most competitive personal loan rates available, with no fees whatsoever and unemployment protection.
APR
8.99% – 25.81%
Amount
$5,000 – $100,000
Min. Score
680
LightStream
4.7 / 5.0
A division of Truist Bank, LightStream offers the lowest APRs in the industry for excellent-credit borrowers with a unique Rate Beat Program.
APR
7.49% – 25.49%
Amount
$5,000 – $100,000
Min. Score
700
Upgrade
4.3 / 5.0
Upgrade serves a wide credit range with flexible options, including secured and joint loan options for lower-credit borrowers.
APR
9.99% – 35.99%
Amount
$1,000 – $50,000
Min. Score
580
Best Egg
4.4 / 5.0
Best Egg is known for fast funding and competitive rates for good-credit borrowers, with a straightforward application process.
APR
8.99% – 35.99%
Amount
$2,000 – $50,000
Min. Score
640
Avant
4.1 / 5.0
Avant specializes in personal loans for borrowers with average credit, offering a streamlined process and reasonable rates for the 580–700 range.
APR
9.95% – 35.99%
Amount
$2,000 – $35,000
Min. Score
580
Marcus by Goldman Sachs
4.5 / 5.0
Goldman Sachs' consumer lending brand offers no-fee personal loans with competitive rates and a unique on-time payment reward.
APR
8.99% – 25.99%
Amount
$3,500 – $40,000
Min. Score
660
Discover
4.5 / 5.0
Discover Personal Loans offer no origination fees, flexible terms, and the backing of a major financial institution.
APR
7.99% – 24.99%
Amount
$2,500 – $40,000
Min. Score
660
LendingClub
4.2 / 5.0
LendingClub pioneered peer-to-peer lending and now offers personal loans through their bank with joint application options.
APR
9.57% – 35.99%
Amount
$1,000 – $40,000
Min. Score
600
Upstart
4.3 / 5.0
Upstart uses AI and alternative data to underwrite loans, making them ideal for young borrowers and those with limited credit history.
APR
7.80% – 35.99%
Amount
$1,000 – $50,000
Min. Score
300
OneMain Financial
3.9 / 5.0
OneMain Financial offers personal loans with in-person service at 1,400+ branches, specializing in fair and poor credit borrowers.
APR
18.00% – 35.99%
Amount
$1,500 – $20,000
Min. Score
No minimum published
Excellent Credit Loan FAQs
Top borrowers with excellent credit, stable income, and low debt-to-income ratios can see rates as low as 5.99% APR. Some lenders offer even lower with autopay discounts.
How much do you need?
Check rates from 200+ lenders — no credit impact.