Personal Loans » Compare Loans » Best Personal Loans for Good Credit (August 2023)
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Best Personal Loans for Good Credit (December 2023)

Good credit loans are any type of loan offering fair terms and lower than average rates. Here are our top personal loans for good credit
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor


Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: September 20, 2023
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor


Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: November 1, 2023

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

One of the advantages of having a good credit score is access to favorable finance products. Good credit loans are any type of loan offering fair terms and lower than average rates. If you have a strong credit history and reliable source of income, you can access preferable rates for your loan.

Good credit loans can take the form of home equity loans, lines of credit, or home equity lines of credit. However, for the purposes of this article, we will be examining good credit personal loans. These personal loans are typical of any type of personal loan, typically requiring no security. This means that you don’t need to use your home, vehicle or other assets as collateral.

Here are The Smart Investor select’s picks of personal loans for good credit:

Max Amount

rocket-loans loan review - logo

 9.11% – 29.99%
36-60 months
$2,000 -$45,000

LightStream loan review - logo

7.49% – 25.49% (with autopay)
$5,000 – $100,000

figure loan review - logo

5.99% – 22.94%
3 or 5 years
$5,000 – $50,000

discover bank logo

7.99% – 24.99%
 36 to 84 months
 $2,500 – $35,000

How to Compare Good Credit Personal Loans?

With a good credit score, there is a likelihood that you’ll be able to access a number of different products from a variety of lenders. While this is a great way to obtain a superb deal, it can make choosing the best personal loan a little tricky. So, here are some considerations to compare products and find the best deal.

There are lots of lenders offering good credit personal loans, but each lender will offer different rates, terms and fees. So, it is important to obtain quotes from three or more lenders.

This will allow you to make an accurate comparison of what is available to you in the current marketplace.

Many people are wary about getting multiple loan quotes or offers as it may impact their credit score. However, this only occurs when the lender uses a hard credit inquiry. Fortunately, many lenders allow you to obtain an offer through a soft inquiry.

Soft inquiries allow the lender to find out what rate and terms you will qualify for without impacting your credit score. It is only if you decide to move forward that a hard inquiry will be placed on your credit report.

So, be sure to shop around with lenders that only use soft inquiries to protect your credit score.

When you’re comparing loan quotes and offers, you need to ensure that you are comparing like for like products. If one lender offers a lower monthly payment, but the term is a year longer, you will end up paying more in the long term.

You also need to check that the lenders are offering the same type of rate. Most lenders offer fixed rate deals, but variable rate offers tend to have a lower starting rate. Just be aware that this rate can increase at any time, so you will need to factor this into your comparison.

You also need to check the small print for any additional fees or costs that may apply. A good example of this is prepayment penalties. If your circumstances change and you want to pay off the loan early, a percentage fee could apply.

It is important that you check all the possible fees and penalties, to ensure that you are comfortable and that one lender does not charge far more than the others.

While your primary concern may be how much you’ll be paying each month, it is important to look at the overall costs. Don’t just look at the basic interest rate, but rather compare the APR. This is the annual percentage rate that will show how much you will pay for borrowing the money per year.

Lender quotes and offers often include calculations on the total cost over the lifetime of the loan. This is a good way to see how the interest compounds and how much you will pay overall.


On Figure Secure Website



5.99% – 22.94%

Loan Term

3 or 5 years

Minimum Score


Loan Amount

$5,000 – $50,000
On Figure Secure Website

Figure, which began as a mortgage refinancing and home equity line of credit provider, now includes personal loans among its loan products. Figure allows you to borrow up to $50,000 to consolidate your debts, pay for home improvements, or make a large purchase.

Figure employs blockchain and artificial intelligence to provide quick sign-up and funding processes, and you can get a rate and interest quote in minutes. To complete and receive a decision, the fully online application process takes less than 10 minutes. If you are satisfied with the quote, you can proceed with the application, digitally sign loan documents, and wait for the funds to be processed.

If you have good credit score,  you want to apply for a personal loan quickly and get access to your funds as soon as possible after approval, FIGURE is a good fit. It also offers a discount for autopay and soft credit check pre-qualification.

  • Quick application process
  • Prequalification
  • Competitive Interest Rates
  • Quick funding
  • Autopay discount
  • Origination fees
  • Strong credit required
  • Only two loan terms
  • High minimum amount
  • Not Available in All States
  • Can I pay off a FIGURE loan early?

FIGURE has no prepayment penalties, making it easier to repay your loan early if your financial circumstances change before the end of your loan term. You can speak to the FIGURE team to obtain a settlement figure at any point during your loan term.

  • Does FIGURE personal loans verify income?

FIGURE does need to verify your employment status and income. However, retired applicants do not currently do not need to provide verification of employment. This verification may take the form of pay stubs or bank statements.

However, there may be some flexibility if you don’t have this paperwork to support your application.

  • Does FIGURE personal loans offer prequalification? (soft credit check)

FIGURE does offer the option to check your rate and prequalify for a personal loan. To generate this initial quote, FIGURE will only use a soft credit inquiry.

This will not impact your credit score as you may see it on your credit report, but it will only be visible to you. However, if you decide to submit a full application and proceed with a loan, this will trigger a hard credit inquiry.

  • Can I negotiate with FIGURE?

Like most lenders FIGURE does not specifically state that it is open to negotiations, but this does not mean that it is not worth a try. Whether you want to negotiate your rate to match another quote when you’re shopping for a loan or would like to negotiate a settlement figure, it is worth speaking to the FIGURE team.


On Credible Website



7.99% – 24.99%

Loan Term

36 to 84 months

Minimum Score


Loan Amount

$2,500 – $35,000
On Credible Website

Discover provides a wide range of products, including personal loans with low interest rates and no origination fees.

A Discover personal loan can be used for a variety of purposes, including financing large purchases such as home repairs or a wedding, as well as debt consolidation. You can also use your personal loan to cover unexpected expenses, such as home renovations or the purchase of a new vehicle.

If you use a Discover loan to consolidate your debts, Discover will send funds directly to your creditors. You must use at least 70% of your loan for existing creditors, or your final APR may be affected.

  • Soft Pull Inquiry
  • No Origination Fee
  • Direct Payment to Creditors
  • Competitive Interest Rates
  • Available in All States
  • Longer Application Process
  • Smaller Max Amount
  • No Joint Borrowers
  • Large Late Payment Fee
  • Can I negotiate with Discover?

If you are struggling to make your repayments or want to organize your finances by making a settlement, you can call the Discover helpline.

Discover claims to be prepared to help you whether you’re having long term hardship issues or a temporary financial setback. The bank has a variety of repayment assistance programs that could help you.

  • Can I get a Discover loan with a 600 credit score?

Although Discover does not disclose its minimum credit score requirements, generally speaking you will need a good credit score.

However, this does not mean that you will be automatically declined if you have a score of 600. If you have a good debt to income ratio and can meet the other requirement criteria, you may still qualify.

  • Does Discover personal loans offer prequalification? (soft credit check)

Discover offers online prequalification, so you can check the rate you can qualify for when you apply for a personal loan.

This is a quick process that takes a matter of minutes and Discover will only use a soft credit check that will not impact your credit score. A full credit check will only be necessary if you decide that you would like to proceed with your loan application.

  • Is Discover good for debt consolidation?

Discover offers personal loans for a variety of reasons including debt consolidation. You can borrow up to $35,000 with a personal loan or up to $300,000 if you use a Discover home loan.

Discover also offers student consolidation loans, allowing you to combine private and federal student loans into one new loan.


On LightStream Secure Website



7.49% – 25.49% (with autopay)

Loan Term


Minimum Score


Loan Amount

$5,000 – $100,000
On LightStream Secure Website

LightStream is an online lender that provides large loan amounts while charging low interest rates. LightStream is a subsidiary of Truist Bank, formerly SunTrust Bank. The loan can be used for any purpose, including home improvements, debt consolidation, and so on.

LightStream does not levy any fees. As a result, there are no late fees, processing fees, or prepayment fees. Most loans have terms of two to seven years, but solar financing, home improvement loans, and swimming pool loans can have terms of up to twelve years.

  • No Fees
  • Flexible Term Options
  • Competitive Rates
  • Many Loan Uses
  • Joint Applicants
  • High Maximum Amount
  • Not For Bad Credit Borrowers
  • No Soft Pull
  • Restrictions for Business Use
  • Stipulations
  • Can I change the due date of my payment once I've received the funds?

No, you cannot change the due date once the loan has been funded. Payments received 18 days or more before your payment due date will be treated as an extra payment, and your regularly scheduled payment will remain due.

  • Is it possible to get pre-approval?

LightStream does not offer loan pre-approvals or accept application information over the phone, fax, or email. To be considered for a loan, you must complete and submit our online application. Furthermore, even if you are approved for a loan, you are under no obligation to accept it.

  • What is the relationship between LightStream and SunTrust Bank?

SunTrust Bank's online lending division is known as LightStream. You do not have to be a current SunTrust customer to qualify for a LightStream loan.

  • Is there a LightStream auto-pay discount?

When you set up your loan for AutoPay, we receive your payment directly from your bank account. Because this is a more efficient arrangement, LightStream can reduce your rate.

If you choose to pay by invoice, your interest rate will be 0.50 percent higher. By logging into your account, you can schedule a one-time payment with either method.

  • Is it possible for me to make an additional payment or payments?

Customers on AutoPay: Your regularly scheduled payment will be debited on the due date every time. Any additional check or electronic payment will be treated as an additional payment.

Customers who pay by invoice: The best way to make an extra payment is to combine it with your regularly scheduled payment, which must be received by the payment due date.

Rocket Loans

Rocket Loans
Rocket Loans
On RocketLoans Secure Website

Rocket Loans


9.11% – 29.99%

Loan Term

36-60 months

Minimum Score


Loan Amount

$2,000 -$45,000
On Rocket Loans Secure Website

Rocket was founded to offer a rocket fast loan processing system to provide personal loans to eligible borrowers. Rocket is part of the Quicken group, which includes Rocket Mortgage and Rabid Advance.

Qualifying for a Rocket loan is contingent on creditworthiness rather than business type. You can use your loan for any purpose, including starting a business.

However, Rocket only qualifies people with a credit score minimum of 640 and a good credit history. You also need to have a permanent source of income and a low debt to income ratio.

Where Rocket stands apart is that loans are processed very quickly. 85% of borrowers receive loans within a day.

  • Soft Pull Inquiry
  • Competitive Rates
  • Easy Application
  • Same day funding
  • Auto Discount
  • Business Loan
  • Limited Terms
  • Origination Fee
  • No Joint Borrowers
  • Restrictions on Use
  • Late Fees and Check Processing Fee
  • Is Rocketloans good for debt consolidation?

Rocketloans could be a good option for your debt consolidation. You can borrow up to $45,000 with no origination fee and a rate discount if you sign up for autopay.

However, Rocketloans does not offer direct payments to creditors if you want to consolidate your debt. This means that you will need to receive the lump sum from your loan and distribute the funds yourself.

  • Can I add a cosigner to Rocketloans personal loan?

Unfortunately, Rocketloans does not offer co-signed or joint loans. It is not possible to add a second person to your loan application to either share the loan or boost your lending profile and chances of approval.

So, if you need a cosigner for your loan, Rocketloans is not the right lender for you.

  • Do Rocketloans personal loans offer prequalification? (soft credit check)

Rocketloans does have a prequalification feature that allows potential customers to check their rate before they commit to a loan. This prequalification process only uses a soft credit check that will not impact your credit score. If you decide to go ahead with the loan, a hard credit pull will be triggered.

  • Can I negotiate with Rocketloans?

Rocketloans does not specifically state that it will negotiate settlement figures, but very few lenders do.

However, Rocketloans does have some quite inflexible features, such as not being able to set your monthly repayment date that suggests that this financial institution may be a little rigid on other aspects of the loan management. Of course, it is still worth speaking to the Rocketloans team if your financial circumstances have changed.


Get a Personal Loans For Good Credit

 If you have good credit, you’re likely to find that you have an abundance of options for personal loans. So, how do you determine which are the best personal loans for good credit? Here we’ll delve into this topic to help you to make an informed decision.

What is a Good Credit Score?

Lenders including banks, credit card companies and other financial institutions use Credit Score Ranges Basics

FICO is perhaps the most well known type of credit score that is used by many lenders. Like VantageScore, FICO scores typically vary from 300 to 850. However, anything below 579 is poor and under 669 is fair. You need to have 670 to 739 to be classified as a good score. FICO also allows you to have a very good or exceptional score with 740 or more and 800 or more respectively.

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What's The Average APR of Personal Loans?

There are a number of reasons for taking out a loan, but this can also influence the average loan amount. In this chart with LendingTree customer data, you can see that credit card refinancing has the highest average loan amount followed by debt consolidation.


What Are The Risks to Consider?

Personal loans offer a number of advantages over other forms of credit. You’re likely to obtain a much more favorable rate than you would with a credit card, but without the need for providing collateral as you would with a home loan.

However, no financial product is without its possible drawbacks. There are potential risks associated with personal loans that you should be aware of before making your final decision. The risks include:

  • Impact Your Credit: In case you won't be able to payoff the loan for some reason, your credit score suppose to drop drastically  – therefore, make sure you have the sources to payoff the loan.
  • Interest Rate Changes: If you opt for a variable rate loan, you may obtain a low rate initially, but there is a risk that it can change at any moment.

The rate you’re offered will depend on your specific credit score, but if you’re budgeting based on the current rate, then it dramatically changes, it could create problems for you.

  • Penalties and Fees: We have touched on this above, but it is worth reinforcing. Many lenders have fees and penalties written into the terms and conditions of the loan offer.

This can include early payment penalties, origination fees, late fees or other charges, which can significantly impact the overall cost of your loan.

What are the Expected Loan Rates for Good Credit?

Since personal loans are unsecured debt, the rates are typically higher than a mortgage or auto loan. One of the biggest considerations for the interest rate on your loan offers is your credit score. If you have good credit, you’ll have the best chances of lower rates.

However, lenders will also look at your debt to income ratio. This is your monthly income divided by your total debt monthly payments. If you have a low DTI, you will attract a lower interest rate.

Lenders will also look at your debt ratios, annual income and other factors to determine your score.

The current personal loan rates range from 3% to 36%. With a good credit score and low DTI, you are more likely to be at the lower end of this scale. However, to obtain the lowest possible rates, you would need an excellent or exceptional score.

What is the Difference Between Good Credit and Excellent Credit?

We’ve already touched on what scores you need for good credit and what makes an excellent credit score. In many cases, the difference between a good credit score and an excellent one is less than 100 points. Yet, an excellent score will help you to get the best possible rates, so how do you achieve an excellent score?

Fortunately, the key to getting an excellent credit score is to stick to some basic rules to boost your score. It can take up to six months of reported activity to increase your score, so if you start making some changes, you may be able to increase your score by the time you’re ready to apply for your personal loan.

  • Have a Budget in Place

While you may seem like you have all your finances in control, having a budget in place can help you to manage any unforeseen expenses.

Getting caught off guard by an unexpected repair bill or unanticipated expense could cause a drop of a few points on your credit score. This could mean the difference between an excellent score and merely a good score.

  • Maintain a Spotless Payment Record

The most obvious way to increase your credit score is to ensure that you maintain a spotless payment record. Every single bill can affect your payment history, so you need to ensure that they are all paid on time every month.

Even a simple postal delay could mean a payment is late on your account, so try to pay each bill as soon as it arrives.

  • Check Your Credit Utilization Ratio

Your credit utilization ratio is the amount of debt compared to your amount of available credit.

So, if you have loans and credit cards offering a total line of credit of $10,000 and you have $3,000 of debt, your rate is 30%. Ideally, your ratio should be under 30 percent at all times.

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How Long Does it Take to Build Excellent Credit?

Lenders report information about you to the three main credit bureaus, TransUnion, Experian and Equifax. This information is used to generate your credit score. So, from making a credit card monthly payment on time to increasing your debt, each action can have an impact on your credit score.

The amount of time needed to raise your credit score will depend on a variety of factors. This includes your current score, your financial habits and any events that could have lowered your score. There are approximate recovery times for different financial events depending on their severity. These include:

  • Applying for a new card: 3 months
  • Maxing out a credit card account: 3 months
  • Closing a credit card account: 3 months
  • Late mortgage payment 30+ days: 9 months
  • Home foreclosure: 3 years
  • Bankruptcy: 6+ years

Even for every day activity, there is a slight delay in how your score alters. This is due to the reporting process and the communication between your credit issuer and the appropriate bureaus.

So, if you currently have a good credit score, it could take months or more to achieve an excellent score. The main thing is to focus on good financial habits and wait to see how they impact your score after three or six months.

How Much of a Loan Can I Get With a 620 Credit Score?

With both VantageScore and FICO, a score of 620 is classified as fair. This will limit your borrowing power and the rates you’re offered. Having a fair score is considered to be a higher possible risk for the lender, so not all lenders will offer you a loan.

However, it is still possible to obtain a loan, but how much you can borrow will depend on other factors.

You will need to demonstrate:

  • Reliable income
  • Low debt to income ratio
  • Low credit utilization ratio

 If you can meet this criteria you may still be able to borrow as much as you need. Some lenders offer fair score credit loans of up to $50,000 or more.

Of course, the lender will need to use the criteria above to determine the exact amount you can borrow. This applies regardless of your credit score. Even if you had an excellent score, a lender would be reluctant to authorize a loan if your debt to income ratio is too high.

So, think about what you need the loan for and realistically how much you need.

What Credit Union is the Easiest to Get a Loan?

Credit unions have similarities to banks, but they are actually not for profit organizations that are owned by their customers. This means that credit unions tend to offer more flexible terms and lower loan rates compared to big banks.

To get a loan from a credit union, you need to be a member. However, this can be the sticking point, as credit unions have membership criteria to join. Credit unions typically operate on shared characteristics, which could be anything from a specific geographical area to an industry that you work in.

You can search for credit unions in your area using the National Credit Union Administration search tool. If you meet the membership requirements, you can join by making a small deposit. Each credit union will have different loan requirements.

So, while some may allow you to join and immediately apply for a loan, others may have a waiting period, where you would need to be a member for three months or more.

You will still need to complete an application and provide identifying information, such as your Social Security number. Some credit unions also require that you have been in your job for a specific amount of time. You will also need to disclose your income and any current debts.

However, there is nothing to stop you asking someone at your local credit union about their specific loan requirements before you apply. This will help you to save time and get an idea of whether you would qualify.

Is it Better to Get a Personal Loan or Balance Transfer?

If you’re trying to get your finances in order or are planning a large purchase, you may wonder whether it is better to get a personal loan or opt for a balance transfer credit card. There are both pros and cons to each product, so it will depend on your specific circumstances and preferences.

Personal loans allow you to make fixed payments each month on larger balances. You are also likely to get a lower rate on your financing. However, balance transfer cards can be a good option for smaller debts that can be completely paid off in a shorter period of time.

If you only need a small amount and are confident that you will be able to pay it off before the end of the 0% introductory rate, a balance transfer card may be a good option. Just be aware that if you fail to clear the balance before the end of the introductory period, you are likely to be hit with a far higher APR rate.

What are the Expected Fees for Good Credit Loans?

There are a number of fees that can apply to good credit loans. These include:

  • Origination Fees: This is also known as an establishment fee and it can vary between different lenders. In simple terms, this fee is an amount to cover processing your loan. Depending on your credit score and lender terms, the origination fee can cost 1% to 10% of the loan amount. This amount can be paid as part of your monthly loan payment or taken out of your funding.
  • Exit Fees: Otherwise known as prepayment fees, this applies if you pay off your loan before the end of the term. Exit fees are typically calculated according to the interest you would have paid on the loan. This is often a sliding scale, so the earlier you pay off the loan, the higher the fee.
  • Late Fees: These apply if you don’t make a monthly payment on time. You’ll have a payment schedule documented with your initial offer, so you need to ensure that you can meet this schedule each and every month to avoid penalties. Late fees can be calculated as a percentage of your monthly payment or as a flat fee. Some companies charge up to $50 for each late payment.

Loan Requirements For Good Credit Borrowers

Whether you have good or excellent credit, the requirements typically remain the same. You’ll need to be prepared to answer some questions about what you need to borrow the money for and how long you wish to borrow it. There are also more formal requirements and documentation that include:

  • Your loan application: Every lender has different application forms to begin the loan process. The initial application is typically quite basic. You’ll need to provide your personal contact information, the loan purpose and desired amount.
  • Proof of identity: Banks and financial institutions need to be very careful to avoid fraud and identity theft. So, they will need to see proof of your identity and confirmation that you are a permanent resident or citizen of the US. Appropriate proof includes driver’s license, birth certificate, passport, military ID, Certificate of citizenship or other state issued ID.
  • Income verification: Since there is no collateral to back your loan, the lender will need to verify that you have the ability to repay the loan with a steady source of income. If you are employed, you can show W2s, paystubs, bank statements or employer information. If you’re self employed, you will need to show income tax returns, bank statements and 1099s.
  • Proof of address: Finally, you will need to confirm your address. This is usually accomplished with a utility bill, but you can also show a lease or rental agreement, voter registration card or proof of home insurance.

How Does My Credit Score Affect My Loan Chances?

Your credit score is an indication of your financial stability. Lenders use your score to assess the risk involved in loaning you money. So, if you have a high score, there is less perceived risk and thereby, you’ll access lower rates and better terms. If you have a low credit score, you may only be offered higher rate loans or even struggle to qualify at all.

Your score is also used by lenders to calculate the loan terms. Again, if you are a higher risk, you’ll be offered a higher APR. This means that you will pay more for the total cost of your loan. Your score can even determine if you pay a higher origination cost.

So, it is important to try to boost your score before you apply for a loan.

How Many Points Does a Personal Loan Drop Your Credit Score?

The credit agencies take a note of all financial activity. Not only do the credit bureaus record the reports of payments you make on your credit cards and other bills, but also when you acquire new debt. This can impact your credit score and chances of approval for new finance.

So, if you’ve recently taken out a personal loan and then apply for a new car loan, your application may be rejected. However, your overall credit history has more impact than just one new loan. If you have a history of making payments on time and managing your debt, there is likely to be less impact on your credit score for taking out a new loan.

In fact, taking out a new personal loan on which you make payments on time each month, can actually increase your credit score. It will demonstrate that you responsibly handle debt.

While there is no hard and fast rule for how many points your credit score drops after obtaining a personal loan, it is a good idea to wait at least three months between credit applications.

Where Can I Get a Legitimate Personal Loan Online?

There are a number of legit companies offering personal loans online. In fact, online lenders can often offer more favorable rates and terms. You can use a personal loan comparison tool to compare between the different lender and find the right one for your needs.

You can find companies with a basic web search. Simply type in “online personal loan” into your preferred search engine and check out the results. You may recognize some company names, but others may be unfamiliar to you. So, it is important to double check that the company is legit.

You can check the Better Business Bureau and Trustpilot for lender ratings. You can also check federal registration, as all lenders have to register in states where they operate. This will give you some reassurance that the company is registered and legitimate, but you can confirm how they operate by reading some customer reviews.

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Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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