Credit score

Can I get a personal loan with a 720 credit score?

Short answer

Yes, with the lowest APRs in the market. 720 FICO is the threshold most prime lenders use for their top-tier pricing. Expect APRs of 7-13%, no or minimal origination fees, and access to the full $50,000-$100,000 amount range from premium lenders like SoFi and LightStream.

Context

720 unlocks prime-tier pricing across most personal-loan lenders. Above this score, additional credit improvements produce diminishing rate benefits; 720 to 770 typically shifts APR by less than a percentage point at the same income.

At this credit band, the differentiator is which lender offers the best total package: lowest effective APR, longest term flexibility, fastest funding, and add-on benefits like unemployment protection or refinance pre-approval. Pre-qualify across SoFi, LightStream, Marcus, Discover, and your primary bank to see the spread.

Editorial

Reviewed by: Compliance Review
Last reviewed: May 22, 2026

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