Best Personal Loans for Good Credit in September 2025
Low-interest loans for good credit scores (670-739)
| Lender | User rating | Best for | APR | Term | Amount | |
|---|---|---|---|---|---|---|
|
Excellent customer service | 7.99% – 24.99% | 36 to 84 months |
$2.5k – $40k |
| Lender |
|
|---|---|
| User rating | |
| Best for | Excellent customer service |
| APR | |
| Term | 36 to 84 months |
| Amount | $2.5k – $40k |
Top personal loans for borrowers with good credit
Best For excellent customer service
- Repayment assistance program and U.S.-based customer service
- No upfront fees or fees for paying off loan early
- Long loan terms
- Competitive rates
- Can’t apply with another person
- Can only borrow up to $40,000
Discover offers multiple repayment assistance options that can help keep you on track if you hit a financial hardship. Plus, Discover’s customer service department is based in the U.S, and 97% of LendingTree users who borrowed from Discover recommend the lender.
Discover doesn’t allow you to apply with a co-borrower to qualify for lower rates. Since Discover loans max out at $40,000, consider other lenders if you need to cover a large expense.
You’ll need to meet these eligibility criteria to get a Discover loan:
- Age: Be at least 18
- Citizenship: Have a Social Security number
- Administrative: Have a physical address, email address and internet access
- Income: Minimum income of $40,000 (individually or as a household)
- Credit score: 720
How to choose a personal loan for good credit
Good credit is generally defined as having a FICO score of 670 to 739 or a VantageScore of 661 to 780. Higher scores fall into the categories of “very good” or “excellent.”
Here’s what to look for when you’re shopping for a personal loan with a good credit score:
-
Low rates
A loan’s APR is the cost of taking out the loan. Whenever possible, choose the loan with the lowest APR to save money on interest payments and fees. -
Loan terms
When comparing loan terms, it’s smart to choose the shortest repayment term with monthly payments you can afford. With a short loan, you’ll be debt-free sooner and you’ll pay less in interest over the life of the loan. If you need smaller monthly payments, consider lengthening the repayment period with a long-term loan. -
Loan amounts
Lenders tend to have strict credit requirements for large loans, so if you need to borrow a lot of money, you may need an excellent credit score and high income. Smaller loans tend to come with less strict credit requirements. -
Requirements
Aside from your credit score, personal loan lenders consider factors like your income, residency and debt-to-income (DTI) ratio. Many lenders publish their personal loan eligibility requirements, so check each lender’s website to see if you qualify. -
Unique features
Some lenders may offer perks like interest rate discounts and unemployment protection. You can also find no-fee personal loans to save on the cost of taking out your loan. -
Lender reputation
Avoid untrustworthy lenders by checking the Consumer Financial Protection Bureau’s complaint database and reading online reviews on trusted third-party sites like Trustpilot and the Better Business Bureau.
What are personal loan rates for good credit?
If you have a good credit score, you’ll likely qualify for a lower APR. According to LendingTree’s personal loan statistics, the average APR for a person with a credit score between 660 and 679 is currently 42.87%. Borrowers applying for personal loans with good credit may qualify for much lower rates with the lenders on this list, since most of their rates max out at 35.99%.
Here’s what rates you might expect to see based on your credit score:
| Credit score range | Average APR | Monthly payment | Interest | Total cost |
|---|---|---|---|---|
| 800-850 (excellent) | 12.50% | $132.90 | $1,379.20 | $6,379.20 |
| 740-799 (very good) | 15.74% | $141.04 | $1,769.75 | $6,769.75 |
| 670-739 (good) | 28.72% | $176.33 | $3,463.69 | $8,463.69 |
| 580-669 (fair) | 92.45% | $396.46 | $14,029.85 | $19,029.85 |
| 300-579 (poor) | 260.34% | $1,084.84 | $47,072.20 | $52,072.20 |
Where to find a personal loan with good credit
The most common places to find a personal loan with good credit are banks, credit unions, online lenders and online marketplaces. Here’s what you need to know about finding loans at these financial institutions and companies.
Banks
Banks tend to have lower APRs, but they also often have strict eligibility requirements. That said, if you’re already a customer of a bank that offers personal loans, you may have an easier time qualifying, especially if you have good credit.
Credit unions
Federal credit union personal loans are legally capped at 18% APR, and they tend to have lower interest rates and fewer fees. However, credit unions typically require that you become a member before you can take out a loan, and some lenders have narrow eligibility criteria.
Online lenders
Online lenders tend to have higher APRs than banks and credit unions, but they still offer competitive starting rates for good-credit loans. Applying for a loan with an online lender is typically more convenient because you won’t have to visit a branch in person — a requirement for several credit unions and banks.
Online marketplaces
Online marketplaces like LendingTree allow you to comparison shop with multiple lenders at once without any damage to your credit score. You can see real offers from up to five lenders by filling out our short online form.
Alternatives to personal loans for good credit
Even if you have good credit, a personal loan may not be the best fit for your particular financial situation. Consider these alternatives to getting a personal loan:
- Credit card: Credit cards are a better option for small, ongoing expenses and earning rewards. You can save on interest by using a 0% intro APR credit card as long as you can pay off your loan in full during the introductory period, which typically lasts six to 21 months. Compare credit cards versus personal loans.
- Personal line of credit: A personal line of credit works like a credit card and comes with predetermined withdrawal and repayment periods. This type of debt isn’t common, and you’re most likely to find one through your current bank or credit union. Compare lines of credit versus personal loans.
- Home equity loan: If you own a house, you may be able to get a home equity loan. This works like a personal loan, except you’re borrowing against the equity you’ve built up in your home. Your home will serve as collateral for the loan. Compare home equity loans versus personal loans.
- HELOC: Another way you can take advantage of equity you’ve built up in your home is to take out a home equity line of credit (HELOC). These loans come with variable interest rates, and instead of receiving a lump sum, you’ll be able to borrow against a predetermined amount. Compare home equity loans versus HELOCs.
How does a personal loan affect your credit?
When you take out a loan, your FICO score can drop by about five points after your lender performs a hard credit pull. This impact is temporary.
A borrower’s FICO score typically drops by about 35 points after they close on a loan. This is because taking out a loan increases your credit utilization ratio, which accounts for 30% of your FICO score.
While you can use a loan to build your credit score by making on-time monthly payments, making late payments or defaulting on your loan will have a much more devastating impact on your credit.
Frequently asked questions
A good credit score is a minimum of 670 with FICO or 661 with VantageScore. Having good credit helps you qualify for more loans and get better rates and terms. If you have poor credit, consider bad-credit personal loans before you take out a loan with predatory rates from a payday lender.
Personal loan lenders typically offer up to $50,000 to $100,000, but how much you can borrow depends on the lender, your credit score, your credit history, your income and how much debt you have.
The better your credit and the higher your income, the more you’ll be able to borrow. Use a personal loan calculator to estimate how much debt you can afford and to determine your monthly payments.
You can check your credit score for free with LendingTree Spring, through your current bank or credit union or with the three credit bureaus. Checking your score won’t damage your credit.
You can improve your credit score by having on-time payment history on all your credit cards and loans. Lowering your credit utilization rate — how much credit you’re using versus how much you have available — will also boost your score.
Our methodology
We reviewed more than 30 lenders to determine the overall six best personal loans for good credit borrowing. To make our list, lenders must offer loans to users with credit scores between 670 and 739 or explicitly state that they offer loans to consumers with good credit.
From there, we prioritized lenders based on the following factors:
Accessibility: Lenders are ranked higher if their personal loans are available to more people and require fewer conditions. This may include lower credit requirements, wider geographic availability, faster funding and easier and more transparent prequalification and application processes.
Rates and terms: We prioritized lenders with more competitive fixed rates, fewer fees and greater options for repayment terms, loan amounts and APR discounts.
Repayment experience: For starters, we considered each lender’s reputation and business practices. We also favored lenders that report to all major credit bureaus, offer reliable customer service and provide any unique perks to customers, like free wealth coaching.
According to our systematic rating and review process, the best loans for good credit come from Achieve, Best Egg, Discover, LendingPoint, LightStream and SoFi. LendingTree reviews and fact-checks our top lender picks on a monthly basis.