Personal loans for excellent credit
With a FICO score of 740 or higher, most lenders will compete for your loan and offer APRs near the bottom of their ranges. The lowest rate still varies by lender, so comparing several offers is how you find it.
- Encrypted and secure
- No credit impact
- No personal info to CLO
- Free, no obligation
Loan terms from 2 to 60 months. Rates vary depending on the lender, your credit and your state. Maximum APR is 35.99%.
Squeeze out the lowest APR
- Ask about an autopay discount. Some lenders take a small amount off the APR.
- Choose the shortest term you can afford. Shorter terms often carry lower rates.
- Look for lenders with no origination fee. At this tier, many don't charge one.
What lenders still check
- Debt-to-income ratio. A high score doesn't offset heavy monthly debt.
- Income verification and employment.
The score ranges on this page are FICO’s standard ranges. Our application asks you to pick from slightly different bands: Excellent (720+), Good (660 to 719), Fair (620 to 659) and Poor (below 620).
See which lenders will work with you
Pre-qualify in minutes. Checking your rate won't affect your credit score.
Common questions
What APR can I get with excellent credit?
Borrowers with 740+ scores usually see APRs near the low end of each lender's range. Your exact rate depends on income, debt, amount and term.
Is 740 considered excellent credit?
On the FICO scale, 740 to 799 is very good and 800+ is exceptional. Most lenders give their best pricing starting around 740.
Do I still need to compare offers with excellent credit?
Yes. Lenders price differently, and comparing with a soft check costs nothing and doesn't affect your score.
Ready to compare offers?
Pre-qualify in minutes. Checking your rate won't affect your credit score.