Best personal loans for excellent credit in December 2025

Best for credit card consolidation

PERSONAL LOAN

4.5

7.95- 29.99%

Min credit score

640

$314

Loan amount

$5k-$40k

Not disclosed

Best for low interest rates

PERSONAL LOAN

4.7

6.50- 35.99%

Min credit score

300

$307

Loan amount

$1k-$75k

Not disclosed

Best for quick funding

PERSONAL LOAN

4.6

6.99- 35.99%

Min credit score

600

$309

Loan amount

$2k-$50k

Not disclosed

Best for additional lender choices

PERSONAL LOAN

4.1

9.98- 26.39%

Min credit score

Not disclosed

$323

Loan amount

$1k-$100k

Not disclosed

Best for no fees

PERSONAL LOAN

4.6

9.99- 19.49%

Min credit score

680

$323

Loan amount

$2k-$30k

Not disclosed

Best for joint applications

PERSONAL LOAN

4.5

8.99- 35.99%

Min credit score

600

$318

Loan amount

$2k-$50k

Not disclosed

Best for co-borrowing

PERSONAL LOAN

4.5

8.99- 29.99%

Min credit score

640

$318

Loan amount

$5k-$50k

Not disclosed

Read our review

on Bankrate

Best for large loans

PERSONAL LOAN

4.5

6.24- 24.89%

with AutoPay

Min credit score

660

$306

Loan amount

$5k-$100k

Not disclosed

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A closer look at our top excellent credit loan lenders

Here's a deep dive into the lenders, why each is the best in its category and, specifically, who would benefit most as a client.

Upgrade: Best for debt consolidation

4.6

Est. APR

7.74%–35.99%

Loan amount

$1k–$50k

Min credit score

600

Loan term

2-7 yrs

Origination fee

1.85%-9.99%

Pros

Direct payment to creditors
Joint applications available
Rate discounts for autopay and debt consolidation

Cons

High potential origination fees
High maximum APR
Late and returned check fees

Pros

Direct payment to creditors
Joint applications available
Rate discounts for autopay and debt consolidation

Cons

High potential origination fees
High maximum APR
Late and returned check fees

WHO'S IT FOR:

Borrowers who want to pay off credit card and personal loan debt directly will benefit the most from a loan from Upgrade. Paying off creditors directly may net a lower rate on top of saving time and energy.

Known qualification requirements

U.S. citizen or permanent resident

At least 18 years old

Valid email address

Valid bank account
Fees

1.85% to 9.99% origination fee

$10 late fee

$10 returned check fee
Time to receive funds

Within one business day if sent to borrower; up to two weeks if sent directly to creditors

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.

Happy Money: Best for credit card consolidation

4.5

Est. APR

7.95%–29.99%

Loan amount

$5k–$40k

Min credit score

640

Loan term

2-5 yrs

Origination fee

0%-5%

Pros

Option to change payment date
Free monthly FICO updates
5 days a week customer service

Cons

Origination fee
Requires at least three years of credit history
Only one loan at a time

Pros

Option to change payment date
Free monthly FICO updates
5 days a week customer service

Cons

Origination fee
Requires at least three years of credit history
Only one loan at a time

WHO'S IT FOR:

Happy Money is best for borrowers with good credit who have high-interest credit card debt — and more debt than they can reasonably pay off within the span of a balance transfer credit card's promotional period.

Known qualification requirements

At least 18 years old

Have a valid Social Security number

Have a valid checking account

No current delinquencies

Don't reside in Iowa, Massachusetts or Nevada

Fees

1.5-5.5% origination fee

Time to receive funds

Within three to six business days after approval

This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements. Only loans applied for and issued on or after January 23, 2023, are covered under the TruStage™ Payment Guard Insurance Policy. Please refer to the certificate of insurance, provided to you with your loan origination documents, for terms and conditions of the coverage. Some exclusions apply. Claims must be submitted for review and approval to CUMIS Specialty Insurance Company, Inc. TruStage™ Payment Guard Insurance is underwritten by CUMIS Specialty Insurance Company, Inc and not by Happy Money. CUMIS Specialty Insurance Company, our excess and surplus lines carrier, underwrites coverages that are not available in the admitted market. Product and features may vary and not be available in all states. Certain eligibility requirements, conditions, and exclusions may apply. Please refer to the Group Policy for a full explanation of the terms. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705.

Upstart: Best for low interest rates

4.7

Est. APR

6.50%–35.99%

Loan amount

$1k–$75k

Min credit score

300

Loan term

3-5 yrs

Origination fee

Up to 12%

Pros

May approve borrowers with no or low credit
Option to change payment dates
Low start rates for qualified borrowers

Cons

High origination fees and maximum APR
No joint applications
Limited repayment term options

Pros

May approve borrowers with no or low credit
Option to change payment dates
Low start rates for qualified borrowers

Cons

High origination fees and maximum APR
No joint applications
Limited repayment term options

WHO'S IT FOR:

Upstart loans are good for borrowers with excellent credit who can qualify for the lowest rates and may need to cover a small-to-midsize expense. It may also be a good choice for emergencies due to the lender’s quick funding timeline. Debt consolidators may also benefit from these loans due to its competitive starting APR.

Known qualification requirements

Have a valid email address

Have a Social Security number

Have a personal bank account

Have steady income or job offer starting within 6 months

Earn a minimum annual income of $12,000

Fees

Up to 12% origination fee

$15 returned check fee

5% or up to $15 late fee

$10 one-time paper copies fee

Time to receive funds

One business day if accepted before 5 p.m. ET, Monday to Friday
The full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

Best Egg: Best for quick funding

4.6

Est. APR

6.99%–35.99%

Loan amount

$2k–$50k

Min credit score

600

Loan term

3-5 yrs

Origination fee

0.99%-9.99%

Pros

Secured loan options for home and car owners may help get approved if you're denied for unsecured options
Secured rates may be significantly lower than unsecured rates
Low minimum rates may mean savings for excellent credit borrowers

Cons

Limited repayment term options may make the payments unaffordable
No autopay discount, a standard perk at other lenders.
Potential to tie up or lose asset with secured options

Pros

Secured loan options for home and car owners may help get approved if you're denied for unsecured options
Secured rates may be significantly lower than unsecured rates
Low minimum rates may mean savings for excellent credit borrowers

Cons

Limited repayment term options may make the payments unaffordable
No autopay discount, a standard perk at other lenders.
Potential to tie up or lose asset with secured options

WHO'S IT FOR:

Those who want to increase their financial literacy and stability would benefit from the Best Egg's portfolio of resources, including the Financial Health program.

Known qualification requirements

U.S. citizen or permanent resident

Legal age in state to accept a loan

Personal checking account with routing number

Valid email

Physical address in qualifying state

Fees

0.99 to 9.99 percent origination fee

Time to receive funds

One to three business days

* Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank & Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank & Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 6.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 6.99% APR has 36 scheduled monthly payments of $152.83. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crtresolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions

Citi: Best for no fees

4.6

Est. APR

9.99%–19.49%

Loan amount

$2k–$30k

Min credit score

680

Loan term

1-5 yrs

Origination fee

None

Pros

Zero fees
Auto pay discount available
Quick funding

Cons

Limited loan amounts
High minimum credit score
No joint applications or co-signers

Pros

Zero fees
Auto pay discount available
Quick funding

Cons

Limited loan amounts
High minimum credit score
No joint applications or co-signers

WHO'S IT FOR:

Although anyone who qualifies for the loan can borrow with the lender, individuals who are existing Citi members are among those most likely to benefit. The bank offers exclusive discounts and benefits for these members, although discounts for enrolling in autopay are also offered.

Known qualification requirements

Social Security number

Fees

None

Time to receive funds

Within 24 to 48 hours of approval for direct deposit, within five days for check.

Terms, conditions, and fees for accounts, products, programs and services are subject to change at any time.
You must be at least 18 years of age (21 years of age in Puerto Rico). Co-applicants are not permitted. Existing Citi deposit and credit card customers who have been a Citi customer for less than 12 months are not eligible for a Citi® Personal Loan.
If you apply online, you must agree to receive the loan note and all other account disclosures provided with your loan origination in an electronic format and provide your signature electronically.
Rates as of 12-01-2024. Your APR may be as low as 11.49% or as high as 20.49% for the term of your loan. The lowest rate quoted assumes excellent credit and a loan term of 24 or 36 months. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Citi offers personal loans with a period of repayment between 12 and 60-month terms. For example, if you borrow $10,000 for 36 months at 15.99% APR, to repay your loan you will have to make 36 monthly payments of approximately $351.52.
There is a 0.5% APR discount if you enroll in automatic payments at loan origination. Additionally, existing Citigold and Citi Priority customers will receive a 0.25% discount to the APR. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.
To check for offers you may qualify for, Citi conducts a soft credit inquiry. If you are presented with an offer and choose to proceed with the application process, Citi will conduct a hard credit inquiry which may have an impact on your credit score.
Citi® Personal Loan proceeds cannot be used to pay for post-secondary education expenses or for business purposes. Credit cards issued by Citibank, N.A. or its affiliates, as well as Checking Plus and Ready Credit accounts, are not eligible for debt consolidation, and Citibank will not issue payoff checks for these accounts. If you are unsure of the issuer on the account, please visit https://www.citi.com/affiliatesproducts for a list of Citi products and affiliates.
If you are approved for a personal loan with Citi, you can get your funds the same day with a Citi deposit account, or up to 2 business days for a non-Citi account when using direct deposit. Or, you can select to receive a check by mail in approximately 5 business days.
Personal loans are made available by Citibank, N.A., Equal Housing lender

Prosper: Best for joint applications

4.5

Est. APR

8.99%–35.99%

Loan amount

$2k–$50k

Min credit score

600

Loan term

2-5 yrs

Origination fee

1%-9.99%

Pros

Money management tools on website
Option to change payment date
Co-borrowers allowed

Cons

Origination fee
No same-day funding
High maximum interest rate

Pros

Money management tools on website
Option to change payment date
Co-borrowers allowed

Cons

Origination fee
No same-day funding
High maximum interest rate

WHO'S IT FOR:

While Prosper has options for people across the credit spectrum, creditworthy borrowers, or those with a creditworthy joint applicant, are most likely to fare well with a Prosper personal loan.

Known qualification requirements

Be a resident in a qualifying state

At least 18 years old

Have a U.S. bank account and Social Security number

Have a satisfactory debt-to-income ratio

Co-borrowers: Minimum FICO credit score of 600

Co-borrowers: No bankruptcy filings within the last 12 months

Co-borrowers: At least one open credit account

Fees

Origination fee between 1% and 9.99%

Late payment fee of $15 or 5%, whichever is greater

Check fee of 5% or $5, whichever is less

$15 insufficient funds fee

Time to receive funds

Next business day after approval

Personal loans through Prosper have an annual percentage rate (“APR”) of 8.99% to 35.99%, terms between two and five years, and an origination fee from 1% to 9.99%. For example, a three-year $10,000 personal loan with an interest rate of 16.66% and a 8.99% origination fee results in a 23.53% APR. You would receive $9,101.00 and make 36 scheduled monthly payments of $354.84. A five-year $10,000 personal loan with an interest rate of 18.73% and a 8.99% origination fee results in a 23.26% APR. You would receive $9,101.00 and make 60 scheduled monthly payments of $257.92. Whether you are eligible for a specific APR or loan term will depend on a number of factors, including (but not limited to) your current credit rating and information you provide in your application. The lowest rates are for the most creditworthy applicants. Your actual rate may differ. The average APR for loans with a 3-year term funded between January 1, 2025, and June 30, 2025, was 23.53%. Eligibility for personal loans up to $50,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank.

Achieve: Best for co-borrowing

4.5

Est. APR

8.99%–29.99%

Loan amount

$5k–$50k

Min credit score

640

Loan term

2-5 yrs

Origination fee

1.99%-8.99%

Pros

Allows co-signers
Fast funding
Personal loan consultant

Cons

Not available in every state
Minimum credit score of 640 required
Origination fee

Pros

Allows co-signers
Fast funding
Personal loan consultant

Cons

Not available in every state
Minimum credit score of 640 required
Origination fee

WHO'S IT FOR:

Individuals with a good credit score — or a creditworthy co-borrower — who aim to pay down large amounts of high-interest debt will likely benefit most from a loan from Achieve. The lender provides personalized guidance and assistance from debt experts. Those unsure of how to best tackle their debt can take advantage of Achieve's strong portfolio of individualized benefits.

Known qualification requirements

Proof of income and employment

Social Security number

Proof of identity

Minimum credit score of 620

Fees

Origination fee of 1.99% to 6.99%

Time to receive funds

Not specified
“Personal loans available through Achieve.com (NMLS #138464) or Achieve Personal Loans (NMLS ID #227977) are originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 35.99% and include applicable origination fees that vary from 1.99% to 8.99%. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 6.99%, a rate of 15.49%, and corresponding APR of 19.54%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Loan Consultants for Achieve Personal Loans are available Monday-Friday 6 AM to 8 PM AZ time, and Saturday-Sunday 7 AM to 5 PM AZ time.”

TD Bank: Best for a bank loan

4.8

Est. APR

7.99%–23.99%

Loan amount

$2k–$50k

Min credit score

Not specified

Loan term

3-5 yrs

Origination fee

None

Pros

No origination fee or prepayment penalty
Quick approval and funding
Physical branches

Cons

Personal loans only available in 15 states and Washington, D.C.
Limited repayment terms of 36 to 60 months
Co-borrowers not allowed

Pros

No origination fee or prepayment penalty
Quick approval and funding
Physical branches

Cons

Personal loans only available in 15 states and Washington, D.C.
Limited repayment terms of 36 to 60 months
Co-borrowers not allowed

WHO'S IT FOR:

TD Bank is one of the 15 largest banks in the country, serving more than 10 million customers. In addition to offering unsecured personal loans, TD Bank provides a full suite of banking products, including checking and savings accounts, credit cards, CDs and mortgages. If you live in a state that TD Bank services and you have strong credit, a loan from this bank may be a good fit, especially if you live near a branch.

Known qualification requirements

Be a resident of CT, NJ, DE, NY, NC, FL, PA, ME, RI, MD, SC, MA, VT, NH, VA or Washington, D.C.

Social Security number or Individual Tax Identification Number

Provide employment and income history

Provide examples of expenses, like mortgage or rent

Fees

Late fee of $10 or 5% of the installment amount — whichever is less

Time to receive funds

As soon as one business day if approved by 4:30 p.m. ET, Monday to Friday
Overview: TD Bank offers personal loans from $2,000 to $50,000 and has a low APR rate cap of 23.99 percent. TD Bank offers personal loans in 15 states.

LightStream: Best for large loans

4.5