Personal loans for excellent credit
With excellent credit, you may see more personal loan options to compare, but each lender still sets its own criteria. Here's what lenders typically review and how to compare offers when your credit history is strong.
What to expect with excellent credit
- FICO describes scores of 740 to 799 as very good and 800 and above as exceptional. Score ranges vary by scoring model, and each lender defines its own criteria.
- Lenders typically offer their most favorable terms to applicants with strong credit, but they also review income, existing debt and employment, so a high score alone doesn't settle what you're offered.
- Compare offers on total cost: APR, origination fees and term together. Two offers with similar APRs can differ once fees are included.
- Some lenders offer an autopay discount or let you choose your payment date. These details are worth comparing when the core terms are close.
Estimate your monthly payment
Enter a loan amount, a term and an APR to see an illustrative fixed monthly payment and total interest.
Estimates only, based on the numbers you enter. Not an offer of credit. Lendara is not a lender.
How checking your options works
When you check your options for a personal loan with excellent credit through Lendara, you answer a few questions about the loan you want, your income and your finances. Checking uses a soft credit inquiry, which doesn't affect your credit score.
If participating lenders have options for you, you can compare them side by side: APR, fees, monthly payment, term and total cost. Nothing is accepted until you choose an offer.
If you decide to apply with a lender, that lender may run a hard credit inquiry, which can affect your credit score. The lender, not Lendara, decides whether to approve you and on what terms.
Frequently asked questions
Does excellent credit mean I'll get an offer?
No one can promise that. Strong credit is one factor; each lender also looks at your income, existing debt and other information, and makes its own decision.
Does checking my options hurt my credit?
Checking your options through Lendara won't affect your credit score. If you choose to apply with a lender, that lender may run a hard credit inquiry.
Is Lendara a lender?
No. Lendara is a free marketplace that connects you with participating lenders. We don't make credit decisions or lend money.
Related guides
- How Your Credit Score Can Affect the Offers You See
Why the offers you see through a marketplace may vary with your credit score, and how prequalification tools try to show relevant options.
- Comparing Offers: APR, Fees and Term
A plain-language guide to the three numbers that matter most when comparing loan or credit offers — APR, fees and term length.
- Loan Origination Fees, Explained
What loan origination fees are, how they factor into APR, and a simple illustrative example that can help you compare the true loan cost.
Lendara is not a lender and does not make credit decisions. Lendara is a free online marketplace that connects you with participating lenders, who set their own eligibility rules, rates, fees and terms. Lendara may receive compensation from partners, which may affect which offers appear and their order.