Personal Loans for an 750 Credit Score

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750 credit score loans

How to Get a Loan with a 750 Credit Score

Whether you need a loan to cover an unexpected bill or to allow you to realize a goal of yours, having a 750 credit score will put you in a good position to get a good interest rate. A 750 score means you can relax a little, but you should still pick your 750 credit score personal loan carefully. Read on to find out about the best personal loans for a 750 credit score.

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Is a 750 credit score a good score?

Yes, while it’s not quite an “Excellent” score, which is a score of 800 or more, 750 gets you very close! A 750 score is a very good score and will help you get a better interest rate than most people with a “Good” score.

Can I get a personal loan with a 750 credit score?

If your credit score is 750 or higher, you’ll likely have no trouble getting approved for a personal loan. With a very good credit score, you can save money on interest and handling fees since lenders will see you as dependable. All you need to keep in mind is your income and your debt-to-income ratio, as they will determine how much you can borrow. Your debt-to-income ratio is how much debt you have (excluding your mortgage) compared to your income. You must not have a debt-to-income ratio of more than 43% to get a loan, and you should aim to have one of less than 20%. To put this into a real-world example, if you make $100,000 a year, you must not have more than $43,000 of debt, or you will find it very difficult to get approved for a loan, regardless of your score.

Best Personal Loans for 750 Credit Score

Once you’ve established how much you will need to borrow, it’s time to look at some of the lenders. When it comes to taking out a personal loan, there are so many options out there that it can easily become overwhelming. That’s why we’ve put together a handy list of the best lenders if your credit score is 750:

Best Egg

Offers Loans of $20,000 - $50,000

  • Rates: 99% - 35.99%
  • Minimum Score: 600
  • Terms: 2-5 years
  • Pros:
    • you can receive funding within 1-3 business days
    • you won’t be subject to a penalty if you repay early
    • you only need a credit score of at least 600
  • Cons:
    • there is an origination fee
    • not available in DC, IA, VT, WV


Offers Loans of $2,500 - $35,000

  • Rates: 99% - 24.99%
  • Minimum Score: 660
  • Terms: 3-7 years
  • Pros:
    • loan terms offered up to 7 years
    • you can receive funds as soon as the next working day
    • available in every state
    • Soft credit search available
    • Low interest rates available
  • Cons:
    • Cannot have a co-signer


Offers Loans of $3,500 - $40,000

  • Rates: 99% - 24.99%
  • Minimum Score: 660
  • Minimum Income: $30,000
  • Terms: 3-6 years
  • Pros:
    • no fees
    • soft credit check before you apply
  • Cons:
    • Takes 3+ days to get funding


Offers Loans of $2,000 - $50,000

  • Rates: 99% - 35.99%
  • Minimum Score: 640
  • Terms: 2-5 years
  • Pros:
    • Funding can take just one day
    • Soft credit check available before applying
  • Cons:
    • there is an origination fee
    • Not available in IA, ND, and WV


Offers Loans of $1,000 - $50,000

  • Rates: 4% - 35.99%
  • Minimum Score: 580
  • Minimum Income: $12,000
  • Terms: 3-5 years
  • Pros:
    • Next-day funding
    • soft credit check before you apply
    • Accepts a lot lower score than yours
  • Cons:
    • Origination fee


Offers Loans of $2,000 - $35,000

  • Rates: 95% - 35.99%
  • Minimum Score: 550
  • Terms: 2-5 years
  • Minimum Income: $1,200 a month
  • Pros:
    • Next-day financing
    • they offer a soft credit check before applying
    • a low minimum score
    • a low minimum income
  • Cons:
    • Origination fee
    • not available in CO, IA, HI, VT, NV, NY, and WV
    • Higher rates than some other lenders on this list

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How do I apply for a loan with a 750 credit score?

While it might seem like a daunting task, applying (and getting approved) for a personal loan doesn’t take long! Here’s what you need to do:

  1. Calculate how much money you need to borrow and try to find the best price for whatever you want to purchase, if applicable. Try not to borrow more than you need.
  2. Decide how long you want your loan to last. The longer the loan, the less you’ll have to pay each month, but the more you’ll pay for the loan overall.
  3. It’s now time to start comparing loans so you get the best deal possible. Do some solid research into several companies (the lenders we listed above are great choices) and decide which will be best for you.
  4. Apply. Once you’ve decided on the best lender for you, it’s time to apply. This is a very straightforward process with most lenders and usually involves filling in a short online application. Most lenders now offer an instant decision, but some take a little longer.
  5. Get your funds. Most lenders will transfer your loan within just a few days, with some funding within one day, and some taking up to 7 days. Once you’ve got your loan, it's yours to spend as you please.

Is getting a personal loan a good idea with a 750 credit score?

If you’re confident you’ll be able to repay your loan in full and on time, a personal loan can be a good idea. As of last February, the average personal loan rate was 11.84%, while the average credit card interest rate was much higher at 16.04%, so if you’re going to borrow, a loan can be the best way to do so. Provided you don’t rack up more debt or miss any payments, your loan can help boost your score to “Excellent” and access even better rates in the future.

A 750 credit score is a great starting point and should allow you to get a loan with a reasonable or even low-interest rate. With good management, your loan can help you boost your score up to Excellent. To start your search, start with our top picks above and choose the best loan for you.

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