Personal loans for good credit
Good credit puts you in range for many personal loan lenders, though the offers you see depend on more than your score. Here's what to expect and how to compare your options.
What to expect with good credit
- FICO describes scores of 670 to 739 as good. Score ranges vary by scoring model, and each lender defines its own criteria.
- Many lenders work with borrowers who have good credit, so comparing several offers is often worthwhile: terms can differ meaningfully from one lender to the next.
- Your debt-to-income ratio matters as much as your score. Paying down a balance before you apply can change what lenders offer.
- Look at the origination fee and whether it's taken out of the loan amount, so you know how much you'll actually receive.
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 good 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
Can I improve the offers I see with good credit?
Possibly. Lowering your credit card balances, correcting errors on your credit report and keeping up with on-time payments can all affect what lenders offer over time.
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.
- What to Check Before Comparing Personal Loan Offers
A checklist of what to have ready before comparing personal loan offers, plus how prequalifying with Lendara is designed to use a soft pull.
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.