Personal loans for good credit
With good credit, a FICO score from 670 to 739, most online lenders will consider your application. APRs vary widely between lenders in this range, which makes comparing offers worth the most here.
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Loan terms from 2 to 60 months. Rates vary depending on the lender, your credit and your state. Maximum APR is 35.99%.
What moves your rate
- Debt-to-income ratio. Many lenders prefer under about 40%.
- Credit utilization. Lower card balances can lift your score within a billing cycle.
- Loan amount and term. Smaller, shorter loans often price better.
Ways to get a better offer
- Pay card balances down before applying.
- Compare at least three prequalified offers.
- Add a co-applicant with stronger credit if a lender allows it.
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
Can I get a personal loan with a 670 credit score?
Yes. 670 is the start of the good range on the FICO scale, and most online lenders consider applicants there.
Why do offers vary so much with good credit?
Each lender weighs income, debt and credit history differently. In the good range those differences show up as big APR gaps.
Will checking offers lower my score?
No. Prequalification uses a soft inquiry. A hard inquiry usually comes only after you choose an offer and continue with that lender.
Ready to compare offers?
Pre-qualify in minutes. Checking your rate won't affect your credit score.