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.
1
Simple pre-qual application in less than 1 minute.
2
Choose the offer that best fits your needs.
3
Finalize your loan offer, get approved, and receive funds.
With a credit score of 700 or higher, you’re in an excellent position to secure a personal loan with competitive interest rates and favorable terms. Lenders view good credit borrowers as lower risk, which means you can access larger loan amounts, lower APRs, and more flexible repayment options.
The lenders below offer some of the best terms available for borrowers with good credit.
Borrowers with 700+ credit scores can access the most competitive rates and terms from these lenders.
| 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 |
| Upgrade | 6.94% – 35.97% | $1,000 – $50,000 | 24 to 84 months |
Most lenders consider a credit score of 670–739 as “good” and 740+ as “very good” or “excellent.” With a score above 700, you’ll qualify for most personal loans with competitive rates.
Borrowers with good credit (700+) typically qualify for APRs in the 7%–15% range, depending on the lender, loan amount, and term length. The best rates are reserved for borrowers with excellent credit (740+).
Shorter terms mean higher monthly payments but less total interest paid. Longer terms lower your monthly payment but increase total cost. Choose based on your budget and how quickly you want to be debt-free.
SoFi offers some of the largest personal loan amounts available, up to $100,000. SoFi charges no origination fees, no prepayment penalties, and no late fees. Members get access to financial planning, career coaching, and unemployment protection that pauses payments if you lose your job.
Marcus charges no fees — no origination fees, no prepayment penalties, and no late fees. Backed by Goldman Sachs, Marcus offers competitive rates and flexible payment terms from 36 to 72 months.
LightStream, a division of Truist Bank, offers loans up to $100,000 with no fees whatsoever. Same-day funding is available, and they offer a Rate Beat program where they’ll beat any qualifying rate by 0.10%.
Best Egg has funded over $24 billion in loans since 2014. They offer a simple online application with funding as fast as one business day. Origination fees range from 0.99% to 8.99%.
Prosper is a peer-to-peer lending marketplace connecting borrowers with individual investors. Offers loans from $2,000 to $50,000 with terms of 24 to 60 months.
Getting pre-approved for an auto loan before you visit the dealership is one of the smartest moves you can make as a car buyer. Pre-approval
Personal loans are one of the most flexible ways to borrow money. You can use the funds for debt consolidation, home repairs, medical bills, or
Finding the right credit card can save you hundreds of dollars a year in fees and earn you cash back, points, or travel miles on
Compare the best debt consolidation loans of 2026. Find low rates, learn how consolidation works, and get tips for paying off credit card debt faster.
If you want to buy a new car, used vehicle, truck, or motorcycle, the auto loan rates you get can save or cost you thousands.
If you are carrying balances on multiple credit cards or loans, keeping track of due dates, interest rates, and minimum payments can feel overwhelming. Debt