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.
Checking your rate uses a soft credit pull. Accepting an offer and finishing a lender's application may lead to a hard inquiry.
- Encrypted and secure
- No credit impact
- CLO never sees your application
- 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.
Credit score ranges
| Credit tier | FICO score |
|---|---|
| Exceptional | 800 to 850 |
| Very good | 740 to 799 |
| Good | 670 to 739 |
| Fair | 580 to 669 |
| Poor | 300 to 579 |
Ranges based on FICO Score bands. Our application asks you to pick from slightly different bands: Excellent (720+), Good (660 to 719), Fair (620 to 659) and Poor (below 620).
Pre-qualified offers are estimates, not final approvals. The lender will verify your information, may run a hard credit check, and can change the terms or decline the application.
See which lenders will work with you
Pre-qualify in minutes. Checking your rate won't affect your credit score.
Checking your rate uses a soft credit pull. Accepting an offer and finishing a lender's application may lead to a hard inquiry.
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 to 850 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.
Checking your rate uses a soft credit pull. Accepting an offer and finishing a lender's application may lead to a hard inquiry.