Best Personal Loans for Excellent Credit in April 2026
Checking rates won’t affect your credit score
| Lender | User rating | APR | Term | Amount | |
|---|---|---|---|---|---|
|
6.99% to 35.99% | 36 to 60 months |
$2k – $5M |
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7.95% to 29.99% | 24 to 60 months |
$5k – $40k |
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7.23% to 24.00% (Test) | 12 to 84 months | Up to $125M |
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
- APR
- 6.99% to 35.99%
The Annual Percentage Rate (APR) is the cost of credit as a yearly rate and ranges from 5.99% to 29.99%, which may include an origination fee from 0.99% – 6.99% that is deducted from loan proceeds. Any origination fee on a loan term 4-years or longer will be at least 4.99%. The loan term and the APR offered will depend on your credit score, income, debt payment obligations, loan amount, credit usage history and other factors. Additionally, the APR offered is impacted by your loan term and may be higher than our lowest advertised rate. Requests for the highest loan amount may result in an APR higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest rate.
Best Egg loans are unsecured personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. “Best Egg” is a trademark of Marlette Funding, LLC. All uses of “Best Egg” refer to “the Best Egg personal loan” and/or “Best Egg on behalf of Cross River Bank, as originator of the Best Egg personal loan,” as applicable. The term, amount and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000–$50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; New Mexico and Ohio, $5,000; and Georgia, $3,000. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $50,000. Annual Percentage Rates (APRs) range from 5.99%–29.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–6.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR.
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- 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: 580+
Best for: Mobile app features – LendingClub
- APR
- 7.95% to 29.99%
All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history. Currently loans are not offered in: MA, MS, NE, NV, OH, and WV.
- Can monitor your credit and change your due date via mobile app
- High ratings from both Android and iPhone users
- Can use your personal loan for almost anything, including business purposes
- May need to wait a few hours for an approval decision (some lenders can do this near instantly)
- Can take a few days to get your money once Happy Money approves you
- Charges an origination fee of 0.00%-5.00%
Happy Money ’s mobile app puts personal loan management in the palm of your hand. You can make payments, request due date changes and keep tabs on your excellent credit score. And if you’re the type to forget passwords, you can sign in using your fingerprint or by face recognition.
Happy Money might not work if you’re in a hurry. Most online lenders provide near-instant approval decisions but Happy Money can take a few hours. Happy Money doesn’t offer same-day loans, either.
To be eligible for a Happy Money personal loan, you must meet the following requirements:
- Age: Be at least 18 years old
- Citizenship: Be a U.S. citizen or permanent resident
- Administrative: Have a verifiable bank account
- Credit score: 640+
Best for: An easy loan experience – Upstart
- APR (Test)
- 7.23% to 24.00%
The full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
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- 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
Upstart
is a lending platform connecting borrowers with partner lenders. Upstart
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 Upstart ’s loans are generally fast, the soonest your loan will be available is the business day after approval.
Upstart 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:
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% |
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.
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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 Achieve, Best Egg, Happy Money, LendingClub, LightStream, PenFed Credit Union, PNC Bank, Rocket Loans, SoFi, Upstart and Wells Fargo.
Our categories
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.
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.
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.
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’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.