Best Personal Loans for Excellent Credit

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Personal Loans for Excellent Credit
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How to Get a Personal Loan for Excellent Credit

Do you have an “excellent” credit score? Congrats on using credit correctly and working on your score to get it to this point – you’ll be well rewarded.

Thankfully, an excellent credit score means you have plenty of options. Most people fall into the “good credit” category, but excellent credit history and score and put you head and shoulders above the rest. While certain factors can influence whether you’ll be approved by a lender, a great credit score and a responsible financial history prove that you handle money and debt responsibly.

This means that lenders will see you as lower-risk and you’re more likely to qualify for the most favorable loan terms and rates.

Applying for a personal loan with excellent credit is fast and easy:

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Absolutely no negative impact on your credit score, ever.

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What is a personal loan for excellent credit?

Personal loans differ from item-specific loans (such as a mortgage or auto loan) in that you can use them for whatever you need to. You’re not locked into a certain set of rules about what you can spend your money on and you don’t have to answer to your bank if you deviate from what you’d originally planned to spend your loan on.

The difference between applying for a personal loan as someone with excellent credit and applying as someone with good, fair, or poor credit lies in what you qualify for. Having excellent credit gives you access to the lowest yearly percentage rates (APR) and best lending terms available. Personal loans are offered to excellent-credit borrowers by banks, credit unions, and online lenders.

What is considered excellent credit?

This depends on what score you’re looking at. To have an excellent score, your score needs to be:

  • 800 – 850 for FICO
  • 781 – 850 for VantageScore

Best lenders for excellent credit


Lightstream Personal Loans


Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 660
APR: 2.49% - 19.99%
Loan term: 2 - 7 years
Funding turnaround: as soon as same business day

LightStream offers up to $100k personal loans as soon as same business day without origination fees and easy to use mobile app.

Best Egg

Best Egg Personal Loan

Best Egg

Funding: Borrow $2,000 - $50,000
Minimum Credit Score: 640
APR: 5.99 - 29.99%
Loan term: 3 - 5 years
Funding turnaround: 1 - 3 business days

With Best Egg personal loans, borrowers with fair to good credit can get funding for 3-5 years and have the option to use the loan for a variety of purposes.


Payoff Review


Funding: Borrow $5,000 - $40,000
Minimum Credit Score: 640
APR: 5.99% – 24.99%
Loan term: 2 - 5 years
Funding turnaround: 3 - 6 business days

Payoff offers personal loans with flexible payment schedules and perks such as monthly credit score reporting.

What interest rate on a personal loan can I expect with excellent credit?

This will depend on how much debt you currently hold, your income, how much money you want to borrow, and over what term. Generally, however, you’ll be able to achieve rates of 2-12%, which make borrowing through a personal loan much more affordable. If you have an excellent credit score, you could save thousands of dollars in interest throughout your loan term.

How much can I borrow with a personal loan and for how long?

How much you can borrow will depend on how much you earn, your outgoings, and how much debt you currently have. Lenders are looking for a good income-to-debt ratio, to make sure you can afford the payments without any strain. Personal loans are available from hundreds of dollars up to around $50,000, and most have a term between 3 and 7 years, though some larger loans may offer a 10-year repayment schedule. Be aware that the longer it takes you to pay off the loan, the more the loan will cost you overall.

Estimate how much you will pay on a personal loan

How much do you need to borrow?


Total Payment


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What can I use my excellent credit personal loan for?

An excellent credit personal loan can be used for just about anything! Start a business, upgrade your vehicle, take a vacation – it’s entirely up to you. You can also use your personal loan for multiple things, for example, you can spend half the money on refurbishing your home and the other half to cover a medical bill.

How big of a personal loan can I get with a credit score of 800?

Again, this depends on your income and debt. If you have a score of 800 and earn $60,000 a year with no debt, you may be able to borrow a significant amount, though it will depend on your other outgoings.

Don’t just go for the company that will lend you the most money. Look into the fine print; try and find any hidden fees and terms and conditions that aren’t favorable, and think about the affordability. Avoid anything that could land you in financial trouble down the line.

How can I get a personal loan with excellent credit?

If you have excellent credit, you’ll easily qualify for a personal loan in several places. Many people assume that the only way to borrow is through a bank or credit union, but plenty of alternative and online lenders offer competitive rates. Online lenders can afford to charge some of the lowest rates as they don’t have to cover the overhead costs of being a physical building.

To choose and get your loan, browse through the loans in our comparison tables and look for those that best apply to your circumstances. When you find a loan you think is the right fit, all you need to do is apply.

To apply, you’ll need to know:

  • your monthly income (after tax)
  • the total cost of your outgoings
  • the total of other debt you have
  • how much you want to borrow and over what term

In most cases with an excellent credit score, you’ll be automatically accepted. However, depending on the lender, they may ask for more information, which is usually proof of income. If they ask for this, all you need to do is submit your pay stubs or bank account statements.

Tips for choosing the right personal loan

When it comes to choosing a lender, it’s sensible to compare the best personal loans for excellent credit. Here are four things to consider before choosing a lender:

  • Fees: Look out for origination fees, late fees, and prepayment penalties. It sounds unbelievable, but some companies penalize borrowers for paying off their loans early, so bear this in mind!
  • APR: This stands for annual percentage rate and generally, you want to look for the lowest APR possible.
  • Customer service: Google the company and check their reviews. It’s always worth taking reviews with a grain of salt, but look if there’s anything that sets off alarm bells for you.
  • Early repayment: avoid any company that doesn’t allow you to pay off your loan early, or charges you fees if you do.

If I apply for a personal loan, will it hurt my excellent credit score?

There are two primary types of credit checks: a soft check and a hard check.

A soft check is like a preliminary check in which your lender lets you see what you’d qualify for with them, based on the financial information you’ve provided. This doesn’t affect your credit score.

When you submit your full application, the lender will do a hard check, which then shows up on your credit report and may affect your credit score. If you are approved, this dip in your score will only be temporary.

Try not to apply for too many different loans at once. While it’s natural to shop for the best rate, each hard search may cause your score to drop by up to 5 points, so it’s worth keeping these to a minimum. Only apply for loans you’re seriously considering.

Compare Best Personal Loans for Good to Excellent Credit

Apply for a personal loan with excellent credit

Ready to apply and start comparing rates? You’re in great shape and can move into your applications with confidence! Don’t be afraid to apply to loans that offer the best rates, especially if your score is well into the “excellent” credit score range. You could end up paying very little for your loan, which makes borrowing a much easier decision.

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