Loans for Good Credit
700–749Strong rates with wide lender selection. Solid position.
Good Credit Loan Overview
Good credit (700–749) opens the door to competitive loan offers from most major lenders. While you may not get the absolute lowest rates, you'll still find attractive APRs and favorable terms. This is a strong borrowing position — most lenders consider 700+ as their threshold for preferred rates.
Score Range
700–749
Typical APR
9.99% – 17.99%
Approval Odds
High
Tips for Good Credit Borrowers
Pre-qualify with multiple lenders to find your best rate
A co-signer with excellent credit could lower your rate further
Pay down credit cards before applying to improve your DTI ratio
Autopay discounts can save 0.25–0.50% on your rate
Best Lenders for Good Credit
You'll qualify with most major lenders. Best Egg, SoFi, Discover, and Prosper all serve this tier well. Compare offers to find the best fit.
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
Good Credit Loan FAQs
Yes, it's possible — especially if you have strong income, low existing debt, and choose a shorter loan term. Pre-qualify with multiple lenders to see your actual offers.
How much do you need?
Check rates from 200+ lenders — no credit impact.