Best Personal Loans for Excellent Credit in June 2026

Checking rates won’t affect your credit score

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User rating	APR	Term	Amount	See Results
Review coming soon	6.99% to 35.99%	36 to 60 months	$2k – $50k	See Results
Review coming soon	6.49% to 25.29% (With discounts)	24 to 84 months	$5k – $100k	See Results
Review coming soon	Starting at 6.95%	Not specified	Not specified	See Results
4.86/5 (1,592)	6.70% to 35.99%	36 to 60 months	$1k – $50k	See Results

Read more about how we made our picks for the best personal loans for excellent credit.

Best lenders for borrowers with excellent credit

Best for: Flexible payment options – Best Egg

Offers a special repayment plan that can help you pay less total interest (Payment Pathways)
Can set up autopay to withdraw your payment every other week instead of once a month
Payment assistance may be available if you’re experiencing financial hardship

Can’t add a second person to your loan
No rate discounts for autopay
Charges an origination fee of on every loan

Online lender Best Egg has several payment plan options that can help you personalize your repayment experience.

Payment Pathways, for instance, is a program that helps you pay less total interest and clear your debt in less time. With this payment plan, your monthly bills will be higher at the start of your loan but will decrease over time. You can also set up your payments to come out of your account every other week. Breaking up your monthly payment into two can make your personal loan bill more manageable.

However, many personal loan lenders waive origination fees if you have excellent credit. That’s not the case with Best Egg. It charges a fee on every loan, regardless of your credit score.

You must meet the requirements below to qualify for a Best Egg loan:

Age: Be of legal age to accept a loan in your state (usually 18)
Citizenship: Be a U.S. citizen or permanent resident living in the U.S.
Administrative: Have a personal checking account, Social Security number, email address and physical address
Residency: Live in an eligible U.S. state (Best Egg operates in most states, with a small number excluded)
Credit score: +

Best for: Competitor rate matching – LightStream

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Will beat a competitor’s rate by 0.10 percentage points (stipulations apply)
Autopay discount of 0.50 percentage points
No late fees, no origination fees

Can’t check rates without dinging your credit
Must borrow at least $5,000
Customer service is not available on Sunday if you need help after LightStream finalizes your loan

LightStream is an online lender that’s only available to people with good to excellent credit. And having excellent credit has perks.

Take LightStream’s rate matching program, Rate Beat. If a competitor offers you a lower rate, LightStream may beat it by 0.10 percentage points. It also skips origination fees, which can be rare with online lenders.

Unfortunately, LightStream doesn’t let you prequalify for a personal loan. That excellent credit of yours might go down by a few points after shopping LightStream’s rates.

LightStream doesn’t specify its exact credit score requirements, but you must have good to excellent credit to qualify. Most of the applicants that LightStream approves have the following in common:

At least five years of on-time payments under a variety of accounts (credit cards, auto loans, etc.)
Stable income and the ability to handle paying their current debt obligations
Savings, whether in a bank account, investment account or retirement account

Best for: Small loans – PenFed Credit Union

Can borrow as little as Not specified
Does not charge an origination fee
Credit union membership comes with benefits like interest rate discounts on auto loans if you use its free car-buying service

Must join PenFed to receive loan, but membership is open to everyone
Vague eligibility requirements

LightStream loans can help you keep costs down with low rates, no fees and smaller loan amounts than most traditional lenders. Borrowing only what you need helps you avoid paying unnecessary interest, and PenFed’s small loans make that possible.

You must be a member to get a loan, but PenFed Credit Union makes it easy to join. Note that while PenFed Credit Union’s eligibility requirements are unclear, you can check if you qualify without affecting your credit score.

To qualify for a PenFed loan, you must meet the following requirements:

Membership: PenFed membership (anyone can join)
Administrative: Open a PenFed savings account with $5 deposit; may need to submit documents to verify your identity and income

Best for: An easy loan experience – Upstart

No paperwork required for most applicants
Has earned very high ratings from LendingTree users
Willing to work out payment arrangements if you’re experiencing financial hardship

No same-loans (but funds may be sent the next business day after approval)
Only two repayment terms to choose from

Discover is a lending platform connecting borrowers with partner lenders. Discover has consistently low rates and was rated #1 for customer satisfaction by LendingTree for several quarters in a row. It uses an AI-powered underwriting system to review not just your credit score, but other alternative factors like education and employment.

Although Discover ’s loans are generally fast, the soonest your loan will be available is the business day after approval.

Discover has transparent eligibility requirements, including:

Age: Be 18 or older
Administrative: Have a U.S. address, personal banking account, email address and Social Security number
Income: Have a valid source of income, including a job, job offer or another regular income source
Credit-related factors: No bankruptcies within the last three years, reasonable number of recent inquiries on your credit report and no current delinquencies
Credit score:

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Real-time personal loan rates for excellent credit
What is an excellent credit loan?
What are average personal loan interest rates?
When banks compete, you win
How do you choose a personal loan if you have excellent credit?
How we chose the best personal loans for excellent credit
Why trust LendingTree’s methodology
Frequently asked questions

Real-time personal loan rates for excellent credit

See real-time personal loan offer rates for excellent credit and how they change over time. The data in this chart is based on thousands of real LendingTree offers and updates daily.

Why do rates change?

Rates in this chart are based on real offers from lenders on the LendingTree platform, so they can change daily. Changes are driven by several factors, including individual borrower profiles (like credit scores and income) and broader economic conditions that cause rate dips and increases. Short-term changes are normal and don’t always indicate a long-term trend.

What else affects your rate?

Your rate will depend on factors like your income, debt, loan size and loan term. Lenders typically give better rates to people with higher incomes and less debt.

How can I use this chart?

If you have excellent credit, you can use the rates in the chart as an estimate of what you might see if you get loan offers from lenders through LendingTree.

What is an excellent credit loan?

FICO credit scores typically range from 300 to 850 — the higher end being considered a “good” to “excellent” score. Specifically, “very good” credit scores are typically considered to be 740 and above. Scores of 800 and higher are exceptional.

Lenders view your credit score as an indicator of your creditworthiness and how risky it would be to offer you a personal loan. Thus, the lower your credit score, the more likely you’ll have to pay a higher APR to help offset the lender’s risk.

Typically, if you have an excellent credit score, it’s an indicator to lenders that you have a history of paying your bills on time and that you likely have a low debt-to-income ratio.

Those with excellent credit scores tend to be rewarded with lower interest rates and access to higher loan amounts (as long as they have the income to repay the loans).

What are average personal loan interest rates?

The APR you receive on a personal loan largely depends on how high or low your credit score is.

Those with excellent credit scores and solid credit histories tend to be offered lower APRs. Those with bad credit scores, however, may have a harder time qualifying for a personal loan in the first place, and if they do, they may be subject to higher interest rates.

If your credit score could use some work, there are bad credit loan options, and you can check out our list of ways you can work to improve your credit score. Meanwhile, here are the average rates you may receive for a personal loan depending on your credit score:

Credit tier	Average APR
Excellent (800 and above)	15.75%
Very good (740-799)	17.89%
Good (670-739)	23.27%
Fair (580-669)	27.79%
Poor (under 580)	30.25%

Source: LendingTree user data on personal loan offers for typical loan amounts ($5,000 – $54,999) and repayment terms (36 to 83 months) in the fourth quarter of 2025.

Check out our Average LendingTree Personal Loan Rates and Marketplace Data to explore more real borrower data, including the average credit score for LendingTree users who received at least one offer.

When banks compete, you win

You’d shop around for flights. Why not your loan? LendingTree makes it easy. Instead of applying to one lender and hoping for a good rate, you can see multiple lenders compete for your business — so you can choose the best offer.

Tell us what you need
Take two minutes to tell us who you are and how much money you need. It’s free, simple and secure.

Shop your offers
LendingTree users get 11 personal loan offers on average. Compare your offers side by side to get the best deal.

Get your money
Pick a lender and sign your loan paperwork. You could see money in your account in as soon as 24 hours.

How do you choose a personal loan if you have excellent credit?

If you have an excellent credit score, you’ll likely qualify for a personal loan with most major lenders. This can make choosing the right loan challenging.

Here are a few of the factors you’ll want to consider before choosing a lender:

Rates: As a consumer with excellent credit, you may be eligible for some of the lowest interest rates lenders have to offer. To save money, it may be wise to compare rates from various lenders to see which company is willing to provide you with the lowest rates.
Terms: Before taking out a loan, you may want to consider how long you want to spend repaying it. Keep in mind, the shorter the loan term, the lower the APR tends to be and the less you may have to pay over the lifetime of the loan. On the other hand, with long-term loans, the higher the APR and the more you may have to pay. Likewise, a longer term can mean lower monthly payments.
Amounts: As a consumer with a high credit score, you may be eligible for higher loan amounts. If you’re looking for a larger loan, be sure you have the income to pay it off.
Fees: Several common fees you may come across while shopping around for lenders include origination and late fees. However, there are several no-fee lenders out there that are worth considering.
Perks: Some lenders offer perks such as the ability to change your due date or even skip a payment if you consistently make on-time payments. Others may provide unemployment support if you find yourself unexpectedly without a job.
Prequalification services: The ability to use a soft credit pull to check your rates with lenders offers you the opportunity to see what you may qualify for without harming your credit score. Some lenders, like LightStream, however, don’t allow for that, so you’ll have to submit to a hard credit pull if you want to see your rates.
Customer service: Before agreeing to a personal loan, be sure to check what kind of customer service hours they hold and what types of platforms they offer when it comes to contacting them. Some lenders offer a convenient chat feature on their websites, while others can only be contacted by phone. Also, be sure to check lenders’ reviews in order to see what other customers are saying about the lender.

How we chose the best personal loans for excellent credit

We reviewed more than 40 lenders and loan marketplaces to determine the overall best 11 loans for excellent credit. To make this list, the company must offer personal loans to those with higher credit scores, at competitive rates.

From there, we assessed each lender across four categories: eligibility and access; cost to borrow; loan terms and options; repayment support and tools.

According to our systematic rating and review process, the best personal loans for excellent credit come from , Best Egg, , , LightStream, LightStream, , , , Discover and .

Our categories

Eligibility and access (30%)

We assess how easy it is for people to qualify and apply. This includes state availability, soft-credit prequalification, membership requirements, funding speed and whether borrowers with less-than-excellent credit can get a loan.

Cost to borrow (35%)

We evaluate how affordable the loans are based on minimum and maximum APRs, loan fees and rate discounts. Lenders with unclear or potentially predatory costs receive lower scores.

Loan terms and options (20%)

We consider repayment term flexibility, loan amount ranges and whether options like secured loans, joint loans or direct-to-creditor payments are offered — plus whether the lender clearly communicates these options.

Repayment support and tools (15%)

We evaluate borrower experience after funding: customer service access, hardship or forbearance programs, payment flexibility and digital tools like mobile apps or credit monitoring.

Our process

We gather data directly from lenders through their websites, disclosures and direct communication with company representatives. Our editorial team verifies and updates information regularly. We value transparency and award less favorable scores when lenders obscure or omit details.

Our editorial team applies the same scoring model and standards to every lender. Lenders cannot pay to influence our ratings. Read more about our editorial guidelines.

Why trust LendingTree’s methodology

Our writers and editors dig through the facts, contact lenders directly and even go through the application process ourselves if it helps better explain what you can expect. As a Certified Financial Education Instructor℠, I’m committed to breaking down complex financial details so people can make confident, informed decisions with their money.

Jessica Sain-Baird

LendingTree senior managing editor and Certified Financial Education Instructor℠

Jessica’s experience in editing and financial education helps shape LendingTree articles that are clear, accurate and truly useful to readers. Her certification means our recommendations are built on a foundation of consumer-first financial knowledge — not just numbers.

Frequently asked questions

While initially applying for a personal loan may not impact your credit score (this is known as prequalification, or a soft credit inquiry), if you choose to move forward with a personal loan, you will typically have to go through a hard credit pull. Hard credit inquiries will temporarily have a mild negative impact on your credit score.

How you’re allowed to use a personal loan varies from lender to lender. Typically, lenders allow borrowers to use personal loans toward debt consolidation, credit card refinancing, medical bills and home improvement projects. Lenders commonly prohibit consumers from using their personal loan funds toward post-secondary education or business expenses.

Personal loans vary widely in size. They can run as high as $100,000 (like with SoFi and Wells Fargo) or as low as a few hundred dollars (like with PenFed Credit Union). To get a large loan, lenders typically have stricter requirements that you’ll need to meet, such as credit history, income and credit score.

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