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Best Personal Loans for Good Credit

April 2024

If you are looking for a personal loans and you have great credit, try one of these lenders first. We analzyed over 90 lenders and these are the best personal loans for good credit.
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Borrowers with good credit can qualify for competitive rates and a wide range of loan amounts. However, rates and terms can vary a lot depending on what lender you choose. Here are the top personal loans for good credit based on SuperMoney's algorithms and community feedback.
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Methodology: How we picked the best-rated personal loans for good credit

SuperMoney's algorithms analyze the attributes of over 90 personal loans while also weighing in the recommendations from our community to find the best personal loan rates for good credit. According to FICO -- the company behind the most widely used credit scores -- a good credit is anything between 670 and 740. We then chose the lenders with the lowest interest rates and considered factors like fees and flexible loan terms.
However, these may not be the best personal loans for you, even if you have good credit. A lot depends on other factors, such as your income, how much debt you carry, and the purpose of the loan. Try SuperMoney's personal loan engine to get a more personalized recommendation and find out what rates you qualify for without hurting your credit.

Common Questions on Personal Loans for Good Credit

What is the best personal loan for good credit?

There isn't one lender that is best for all borrowers with good credit. A lot depends on how much you want to borrow, where you live, your income, and your credit score. The list of top personal loans for good credit above shows the best offers according to SuperMoney's algorithms and the most recommended personal loans for good credit by the community. If you're looking for the best personal loans for good credit, consider these factors before you make a decision:
  • Check multiple lenders. Doing a little research and comparing the rates and terms of multiple lenders can save you a lot of money. Some lenders allow you to prequalify for a loan so you can check your rates without a hard pull on your credit.
  • Loan purpose. Although you can usually use a personal loan for whatever purpose you want, some lenders may vary your rates depending on what you plan to do with your money.
  • Loan options. A good credit score may open the door to additional perks, such as free access to your FICO score and flexible payment schedules in case of financial hardship.

Which are the most recommended personal loans for good credit?

The list above shows the most-recommended personal loans for good credit. Consumer reviews are constantly coming in, which obviously changes which lenders have the best reviews. Our list considers several factors, such as credit eligibility requirements, APR, and the rating of SuperMoney community members.

What you need to know when searching for the top-rated personal loans for good credit

Personal loans allow you to borrow money for practically any purpose, from debt consolidation to home improvements and vacations. However, not all personal loans are made equal. Borrowers with good credit and large incomes can expect lower rates and better terms.
Rates can vary significantly from one lender to another. Always compare multiple lenders before you choose a personal loan.

What is a good credit score?

A credit score ranging from 670 to 739 is good. Scores between 740 and 800 are considered to be very good. Anything above (800 to 850) is excellent.

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SuperMoney is the most comprehensive financial services comparison site around. We have published hundreds of personal finance articles and provide detailed reviews on thousands of financial products and services. Our unbiased advice and free comparison tools help consumers make smart financial decisions based on hard data, not marketing gimmicks.

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