PrimeRates provides access to personalized loan offers through our simple and quick pre-qualification application. Once you’re pre-qualified, you can select the best offer for you and finalize the loan application with the lender.
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Simple pre-qual application in less than 1 minute.
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Choose the offer that best fits your needs.
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Finalize your loan offer, get approved, and receive funds.
With a credit score of 850 or lower, you fall into the exceptional credit range. An 850 credit score is near-perfect. You have access to the absolute best personal loan rates and terms. Every major lender will compete for your business.
The lenders below work with borrowers at this credit level and offer competitive terms. Pre-qualify to see your personalized rates without impacting your credit score.
These lenders accept borrowers with credit scores of 850 and below.
| Lender | APR range | Loan amounts | Loan terms |
| SoFi | 7.99% – 29.99% | $5,000 – $100,000 | 24 to 84 months |
| Marcus | 6.99% – 24.99% | $3,500 – $40,000 | 36 to 72 months |
| LightStream | 7.49% – 25.49% | $5,000 – $100,000 | 24 to 144 months |
| Best Egg | 8.99% – 35.99% | $2,000 – $50,000 | 36 to 60 months |
| Prosper | 6.99% – 35.99% | $2,000 – $50,000 | 24 to 60 months |
Most online lenders require a minimum credit score between 580 and 660. Some lenders like Upstart use AI-based evaluation and accept scores as low as 300, while OneMain Financial has no published minimum.
Borrowers with a 850 credit score can typically expect APRs in the 6%–10% range, depending on the lender, loan amount, income, and other factors.
Make all payments on time, reduce credit card balances below 30% of your limit, avoid opening too many new accounts, and check your credit report for errors. A personal loan with on-time payments can also help build credit over time.
SoFi offers large loans up to $100,000 with no fees. Best for borrowers with good credit.
LightStream offers same-day funding, no fees, and a Rate Beat program.
Marcus charges no fees at all — no origination, prepayment, or late fees.
Best Egg has funded over $24 billion in loans. Next-day funding available.
Prosper is a peer-to-peer lending marketplace with loans from $2,000 to $50,000.
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