Best for high borrowing limits

SoFi
4.7Check rate with Bankrate
- Min. credit score:
- Not disclosed
- Fixed APR From:
- 7.99% –23.43%
- Loan amount:
- $5,000– $100,000
- Term lengths:
- 2 to 7 years
- Min. annual income:
- $30,000
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Heidi Rivera is a student loans writer for Bankrate. She began her journey in the personal finance space in 2018 and is passionate about collecting data and creating content around higher education and student loans.
Hannah has been editing for Bankrate since late 2022. They aim to provide the most up-to-date information to help people navigate the complexities of loans and make the best financial decisions.
Mark Kantrowitz is an expert on student financial aid, the FAFSA, scholarships, 529 plans, education tax benefits and student loans.
A personal loan for good credit is a low-interest loan that offers fair terms. Qualifying for one of these loans typically requires a strong credit history and a reliable source of income, in addition to any other requirements established by lenders.
In general, lenders consider anything above a 670 FICO credit score to be "good" credit, although "very good" credit scores are above 740 and "excellent" credit scores are above 800. You're likely to be approved for a loan with a good credit score, and the higher your score, the lower your rates will be.
The best personal loan interest rates currently range from about 5.99 percent to 36 percent. The actual rate you receive depends on multiple factors, including your credit score, annual income and debt-to-income ratio.
Bankrate considers interest rates, terms and features each lender has to offer to come up with our list of best personal loans for good credit. We also evaluate alternatives to personal loans, current rates and other information to help you decide if a personal loan is the right move for you.
The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies.
Answer a few questions in two minutes or less to see which personal loans you pre-qualify for. It's free and will not impact your credit score.
Bankrate’s scores for personal loan lenders evaluate 11 data points related to loan costs and terms, as well as customer experience. | The annual percentage rate (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing. | The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan. | The minimum credit score typically required to qualify for a loan with a given lender. Exact thresholds are not always disclosed by a lender and in certain cases the minimum score is the best estimate based on publicly available information. Credit score refers to FICO 9.0 unless otherwise stated. | ||
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APR from 7.99- 23.99%* with Autopay | Loan Amount $5k–$100k* Term: 2-7 yr* | Min. Credit Not disclosed | ![]()
Overview: LightStream is ideal for borrowers who want a longer repayment term and lower monthly payments on their loan. Lightstream also lets borrowers choose when to receive the loan money, allowing for further financial planning. *Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are .50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 6.99% APR with a term of 3 years would result in 36 monthly payments of $308.73. | Apply on partner site | |
APR from 8.24- 35.97% with AutoPay | Loan Amount $1k–$50k Term: 2-7 yr | Min. Credit 560 | ![]()
Overview: Upgrade offers a wide range of loan amounts from $1,000 to $50,000 and a reasonable rate cap of 35.97 percent. Borrowers are able to receive their money as soon as the next business day after being approved, making Upgrade an ideal lender for those who need quick funding. Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.24%-35.97%. All personal loans have a 1.85% to 8.99% 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/. † Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor. | Check rate with Bankrate | |
APR from 8.99- 35.99% | Loan Amount $2k–$50k Term: 3-5 yr | Min. Credit 600 | ![]()
GENERAL AFFILIATE DISCLOSURE UPDATE AS OF 11.2022 *Trustpilot TrustScore as of June 2020. Best Egg personal loans, including the Best Egg Secured Loan, are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, a Nationally Chartered Bank, Member FDIC, Equal Housing Lender. “Best Egg” is a trademark of Marlette Holdings, Inc., a Delaware corporation. All uses of “Best Egg” refer to “the Best Egg personal loan”, “the Best Egg Secured Loan”, and/or “Best Egg on behalf of Cross River Bank or Blue Ridge Bank, as originator of the Best Egg personal loan,” as applicable. The term, amount, and APR of any loan we offer to you will depend on your credit sc¬ore, 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 ; New Mexico and Ohio, $5,000; and Georgia, $3,000. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–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%–8.99% 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 7.99% APR has 36 scheduled monthly payments of $155.12. 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. | Check rate with Bankrate | |
APR from 7.99- 35.99% | Loan Amount $5k–$50k Term: 2-5 yr | Min. Credit 620 | ![]()
All loans available through Achieve Personal Loans (NMLS ID #227977) are originated by Cross River Bank (a New Jersey state chartered commercial bank) or Pathward, N.A. (Equal Housing Lenders) and may not be available in all states. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Minimum loan amounts vary due to state-specific legal restrictions – please call an Achieve Personal Loans consultant for further details. Loan amounts generally range from $5,000 to $50,000 including origination fees, and are offered based on loan purpose and underwriting conditions. Repayment periods range from 24 to 60 months. APRs range from 7.99% to 35.99% APR and include applicable origination fees. Example loan: four-year $20,000 loan with a rate of 15.49% and corresponding APR of 18.34%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 7.99% APR loan, a borrower will need excellent credit, a loan amount for $12,000.00 or less, and a term of 24 months. Loan origination fees vary from 1.99% to 6.99%. Adding a co-borrower with sufficient income; using at least 85% of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could also help you qualify for lower rates. Average interest savings for personal loans range from 0% - 6% based on closed loans that qualified for one or more of our rate discounts in July 2022. †Times noted are estimates and can vary for a loan request from Achieve Personal Loans (NMLS #227977). Same day approvals assume that a fully completed application with all required supporting documentation is provided early enough on a day that our offices are open. Achieve Personal Loans consultants are available Monday–Friday 6AM to 8PM MST and Saturday–Sunday 7AM to 4PM MST. | Check rate with Bankrate | |
APR from 10.50- 29.99% | Loan Amount $5k–$40k Term: 2-5 yr | Min. Credit 640 | ![]()
Overview: Happy Money (formerly Payoff) offers low APRs of 10.50 percent to 29.99 percent, making it an ideal lender for borrowers trying to consolidate credit card debt at a lower interest rate. This lender also offers free monthly FICO updates and reports payments to major credit bureaus in order to help borrowers build credit. 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. | Check rate with Bankrate | |
APR from 8.05- 36.00% | Loan Amount $1k–$40k Term: 2-5 yr | Min. Credit Not disclosed | ![]()
Overview: LendingClub allows borrowers to add co-signers to their loans, making this a good fit for those who may not be able to qualify for a loan on their own, or who haven’t had a chance to build up their credit history yet A representative example of loan payment terms is as follows: you receive a loan of $13,411 for a term of 36 months, with an interest rate of 12.16% and a 5.30% origination fee of $711, for an APR of 15.99%. In this example, you will receive $12,700 and will make 36 monthly payments of $446.46. Loan amounts range from $1,000 to $40,000 and loan term lengths are 36 months or 60 months. Some amounts and term lengths may be unavailable in certain states. APR ranges from 6.34% to 35.89% and is determined at the time of application. Origination fee ranges from 2% to 6% of the loan amount. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of 3/15/22 and are subject to change without notice. 1. Between July 2021 and September 2021, more than two-thirds of personal loans issued by LendingClub Bank were funded within 48 hours after loan approval. The time it takes for a loan to be funded is not guaranteed and individual results vary based on multiple factors, including but not limited to investor demand. 2. Checking your loan rate generates a soft credit inquiry on your credit report, which is visible only to you. A hard credit inquiry, which is visible to you and others, and which may affect your credit score, only appears on your credit report if and when a loan is issued to you. Your loan APR will depend upon your credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and your credit usage and history. Unless otherwise specified, all loans and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Loans are subject to credit approval and sufficient investor commitment. Deposit accounts are subject to approval. Only deposit products are FDIC insured. “LendingClub” and the “LC” symbol, and “Radius” and the “R” symbol, are trademarks of LendingClub Bank. © 2022 LendingClub Bank. All rights reserved. | Check rate with Bankrate | |
APR from 18.00- 35.99% | Loan Amount $1.5k–$20k Term: 2-5 yr | Min. Credit Not disclosed | ![]()
You must apply for this offer and continue to meet the criteria used to select you for this offer. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loanfees for more information. Maximum APR is 35.99%, subject to state restrictions. APRs are generally higher on loans not secured by a vehicle. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expenses; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.
Current OneMain Customers: The above offer assumes that you do not have a current loan with OneMain or one of its affiliates. If you apply for the offer, a OneMain representative will discuss options available for current customers.
Additional conditions for secured loans: Secured loans require a first lien on a motor vehicle that meets our value requirements, titled in your name with valid insurance. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral. If you are covered by the Military Lending Act, you are not eligible for secured offers.
Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing. | Check rate with Bankrate | |
APR from 9.95- 35.95% | Loan Amount $2k–$35k Term: 1-5 yr | Min. Credit Not disclosed | ![]()
Overview: Avant is a popular lender for borrowers with fair to poor credit. Its minimum credit score requirement is 580 FICO and 550 Vantage, lower than many other lenders. Avant is also a good choice for borrowers who haven’t built up much credit yet. | Check rate with Bankrate | |
APR from 34.00- 155.00% | Loan Amount $1k–$10k Term: 0.5-5 yr | Min. Credit Not disclosed | ![]()
NetCredit is an industry-leading online financial services provider. Depending on your state, your loan will be originated by NetCredit or a lending partner bank. You may be asked to provide additional documents to verify your income, identity and bank account. In some states, Annual Percentage Rate may be inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments may incur additional fees and may increase the cost of your fixed rate loan. Please refer to NetCredit's Terms of Use, Rates & Terms and Borrower Agreement for all terms, conditions and requirements. | Check rate with Bankrate |
Why trust Bankrate?
At Bankrate, our mission is to empower you to make smarter financial decisions. We’ve been comparing and surveying financial institutions for more than 40 years to help you find the right products for your situation. Our award-winning editorial team follows strict guidelines to ensure the content is not influenced by advertisers. Additionally, our content is thoroughly reported and vigorously edited to ensure accuracy.
If you have good credit, you should be able to find a loan offer with competitive interest rates and fair terms. While you likely won’t receive the absolute lowest APR, shopping around will help you find a lender that meets your needs.
Loan details presented here are current as of the publication date. Check the lenders’ websites for more current information. The lenders listed here are selected based on factors such as credit requirements, APR, loan amounts and fees. If you’re on the hunt for a good-credit personal loan, start your research here. To learn more, read our methodology section.
BEST FOR | LENDER | APR RANGE | MIN CREDIT SOCRE | LOAN AMOUNT |
---|---|---|---|---|
High borrowing limits | SoFi | 7.99%-23.43% (with autopay) | 680 | $5,000-$100,000 |
Borrowing money from other investors | LendingClub | 8.05%-36.00% | Not specified | $1,000-$40,000 |
Borrowers who can qualify for the best rates | LightStream | 7.99%-23.99% (with autopay) | Not specified | $5,000-$100,000 |
Joint loans | Prosper | 6.99%-35.99% | 600 | $2,000-$50,000 |
Fast funding | Rocket Loans | 9.116%-29.99% (with autopay) | Not specified | Up to $45,000 |
Borrowers with “okay” credit | Best Egg | 8.99%-35.99% | 600 | $2,000-$50,000 |
A range of repayment terms | Discover | 6.99%-24.99% | 660 | $2,500-$35,000 |
Borrowers who want to price shop | Credible | 5.40%-35.99% (with autopay) | Not specified | $600-$100,000 |
Borrowers who want other factors considered in their applications | Earnest | Varies by lender | 680 | $1,000-$250,000 |
Borrowers who want to consolidate credit card debt | Happy Money | 10.50%-29.99% | 640 | $5,000-$40,000 |
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Who it’s for: Borrowers with a strong credit profile looking for a larger loan.
Fees: None.
Time to receive funds: Same-day funding available if approved by 7:00 p.m. ET.
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Time to receive funds: 24 to 42 hours after approval.
Requirements: Borrowers may need closer to "good" credit to qualify.
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Who it’s for: Borrowers with good to excellent credit looking for larger loans.
Fees: None.
Time to receive funds: Same day if approved by 2:30 p.m. ET.
Requirements: Borrowers must have good to excellent credit.
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Time to receive funds: Same-day funding if application is completed and signed by 1:00 p.m. ET.
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Fees: Late payment fee of $39.
Time to receive funds: Next business day after approval.
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Who it’s for: Borrowers from all credit profiles looking for the most favorable terms.
Fees: None; individual loan fees vary by lender.
Time to receive funds: Varies by the lender.
Requirements: Vary by lender.
Check rate with Bankrate
Who it’s for: Borrowers with fair to excellent credit looking to pay off credit card debt.
Fees: Origination fee of up to 5%.
Time to receive funds: Funds are sent within 3 to 6 business days after approval.
A good credit loan is a personal loan for borrowers with good to excellent credit. Your credit is considered good if you have a score of 670 or higher. While lenders consider other factors when determining your eligibility, such as your debt-to-income ratio, employment status and annual income, your credit score tends to be the most important factor when applying for a loan.
Good credit allows you to qualify for lenders’ lowest rates and best terms, although you are not guaranteed to qualify for a lender’s minimum interest rate. If you have good credit and are looking to take out a personal loan, the lenders listed below are a good place to start.
Personal loans for good credit are more widely available than those for fair or poor credit. You can get them from a variety of lenders, including traditional and online banks, credit unions and peer-to-peer lenders.
To find the best personal loan for your situation, you’ll need to compare several lenders’ eligibility requirements, terms, interest rates and fees. Some lenders even offer a prequalification or pre-approval tool that lets you see what you may be eligible for, without damaging your credit. Getting quotes from different lenders will ensure you get the most favorable terms and interest rates for your credit profile.
CREDIT BAND | CREDIT SCORE RANGE | AVERAGE PERSONAL LOAN INTEREST RATE |
---|---|---|
Excellent Credit | 720-850 | 10.73%-12.5% |
Good Credit | 690-719 | 13.5%-15.5% |
Average Credit | 630-689 | 17.8%-19.9% |
Bad Credit | 300-629 | 28.5%-32% |
Even if you have good credit, putting in a little work to raise your credit score could save you money on your loan. Use these tips to boost your score:
A personal loan may improve your credit score if you manage it responsibly. If you make on-time payments, it can help your credit score in a few ways: