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Backed by over 40 years of experience, our team at Bankrate strives to help you make the right decisions for any financial situation.
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We’ve taken a deep dive into each featured lender so you can get the full picture of why each lender is the best in its category. Where available, we’ve also included data from real Bankrate users to help you determine which lender best matches your lending plans.
LightStream only lends to good and excellent credit borrowers, offering personal loans for almost any type of need and a rate-beat program that could provide up to a 0.10 percent discount on other offers.
Borrowers who are looking to fund a smaller purchase or project can also enjoy such benefits as free credit monitoring, cash back regards and access to LendingClub's exclusive TopUp Loan.
Best Egg has some of the lowest rates, so good credit borrowers may get lower rates than at other lenders. Best Egg's unique secured loan option could ensure a more affordable payment.
If you're looking to pay off high-interest credit debt and improve your score even more, Happy Money's Payoff Loan may be a good option. As a bonus, Happy Money will send payments directly to your creditors, so you don’t have to.
Prosper is a peer-to-peer lender that shares your loan application with multiple individual lenders. This may help you qualify for lower rates, but it often leads to slightly slower funding times.
If you want to avoid fees, Discover is a good choice — it is one of the few lenders that doesn't charge an origination fee. Discover also offers an 84-month maximum term that can help keep your payment low.
Not all personal loan lenders offer loans up to $100,000, but SoFi does. If you need a big loan for a big purchase or project, SoFi may be able to fund it.
Rocket Loans offers same-day approval and funding, making it ideal if you need funds quickly. However, it has one of the higher origination fees on our list of good credit lenders.
Use Bankrate's calculator to find the most affordable terms and see how much you benefit from lower rates because of your good credit score. By putting in the loan amount, loan term and interest rate, you can calculate your loan payment and compare estimates.
Get prequalified with at least three lenders to better compare your personal loan options and determine the best one for your financial goals. When comparing lenders, keep an eye on your interest rate, repayment options and other factors.
A good credit personal loan is an unsecured installment loan for borrowers with FICO scores between 670 and 739. The average FICO score in the U.S. is 715 as of April 2025.
Personal loans for good credit usually come with more flexible terms and better interest rates than loans for fair or poor credit borrowers. A good credit score likely won’t qualify you for the lender’s minimum APR — those rates apply to excellent credit borrowers. However, you have a higher chance of securing a personal loan interest rate around the current average of 12.65 percent as of June 4, 2025. That’s significantly lower than the current 20.12 percent average rate for credit cards.
Good credit can also help you qualify for personal loans with higher loan amounts or debt-to-income (DTI) ratios than fair or bad credit borrowers. Lenders are also more likely to approve you for a longer term since you have a history of managing your debt responsibly.
Good credit personal loans come with the usual benefits, including quick funding and lower rates than credit cards. But there are some drawbacks to be mindful of as well. Before borrowing, consider the pros and cons of personal loans.
Mark Kantrowitz
Bankrate Expert Contributor, Student Loans
Credit scores are based on the mix of credit types and your performance in making the monthly payments on time. If you are late with a payment or miss a payment, it can ruin an otherwise good credit score, regardless of the type of debt. Adding a personal loan can improve your credit mix, helping improve your credit score. A personal loan may also offer lower payments that are more predictable and affordable, helping you manage your debt better. A personal loan can also help you pay down your debt, which can improve your credit score by reducing your debt-to-income ratio.
Applying for a good credit personal loan involves knowing your finances, getting prequalified and comparing offers before submitting a full application.
Doing your research on personal loans is the best way to make an informed decision on which loan product to get. It also helps ensure a smoother application process.
How to boost your personal loan approval odds
Good credit isn't the only thing lenders want to see. These tips can help improve your odds of qualifying for a personal loan.
Should I get a personal loans?
Aren't sure it's the right time to get a personal loan? Learn when to get a personal loan and when to consider alternatives.
Best ways to pay off a personal loan
Once your loan is funded, you'll need to start paying it back. Follow these tips to pay it off faster.
How to improve your credit with a personal loan
You already have good credit. Could a personal loan get you excellent credit?
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To select the best personal loans, Bankrate’s team of experts evaluated over 40 lenders. Each lender was ranked using a meticulous 20-point system, focusing on four categories:
