Good credit personal loans
A good-credit personal loan is the most common personal-loan profile in the U.S. market. With a FICO score of 670-739, you qualify for the bulk of online lenders' standard pricing tier, competitive APRs, full $50,000 loan amounts, and terms up to 72 months.
Why apply here.
- 01FICO 670-739 unlocks competitive personal-loan pricing
- 02Loan amounts from $1,000 to $50,000
- 03APRs typically 8.99% to 19.99%
- 04Repayment terms of 12 to 72 months
- 05Pre-qualification via soft credit check, no impact to your score
About this loan.
Is a 700 FICO score enough for a good personal-loan rate?+
Yes. 700 sits in the middle of the 'good' tier and qualifies you with most prime online lenders. Expect APRs in the low-double-digits, with stronger income and lower debt-to-income unlocking the lower end.
How much can I borrow with good credit?+
Most lenders cap personal loans at $50,000 regardless of credit tier. With good credit, you can usually access the full amount if your income supports the resulting monthly payment without pushing your debt-to-income past ~40%.
Will applying hurt my good credit?+
Pre-qualification through a marketplace is a soft credit inquiry only and doesn't affect your score. If you accept a final offer, the lender's hard inquiry costs a few points temporarily. On-time payments rebuild that within a few months.
Should I take a longer term to lower the payment?+
Only if you need to. Longer terms (60-72 months) lower the monthly payment but increase total interest paid. At good-credit APRs, the trade-off works out, but on a $25,000 loan, extending from 48 to 72 months can add $2,000+ in interest.