Personal Loans for a 750 Credit Score

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750 credit score loans

How much can I borrow 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 750 a good credit 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.

Below is a breakdown for reference:

Credit Score Rating
300-579 Poor
580-669 Fair
670-739 Good
740-799 Very Good
800-850 Exceptional

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

Yes, it is possible to get a personal loan with a 750 credit score. A credit score of 750 is considered a good score and demonstrates responsible credit management. While a higher credit score may offer more favorable loan terms, a score of 750 still puts you in a favorable position with many lenders.

Lenders consider various factors when evaluating loan applications, and credit score is just one of them. They also assess factors such as income, employment history, debt-to-income ratio, and overall financial stability.

With a 750 credit score, you are likely to have access to a variety of personal loan options and competitive interest rates. However, it's important to note that each lender has its own specific requirements and criteria for loan approval, so it's advisable to shop around and compare offers from different lenders to find the best terms that suit your needs.

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:

  1. LightStream: LightStream is known for offering competitive interest rates and flexible loan terms. They consider borrowers with good to excellent credit, including those with a 750 credit score.
  2. SoFi: SoFi is an online lender that caters to borrowers with good credit. They offer personal loans with competitive rates and benefits such as unemployment protection and career coaching.
  3. Marcus by Goldman Sachs: Marcus offers personal loans with no fees and competitive interest rates. They consider borrowers with good credit scores and provide a straightforward application process.
  4. Discover Personal Loans: Discover is a well-known financial institution that provides personal loans to borrowers with good credit scores. They offer competitive rates and allow you to check your potential rate without impacting your credit score.
  5. Wells Fargo: Wells Fargo is a traditional bank that offers personal loans to borrowers with good credit. They provide a variety of loan options and may have special offers for existing customers.
  6. Prosper: Prosper is a peer-to-peer lending platform that connects borrowers with individual investors. They consider borrowers with good credit and offer fixed-rate personal loans.

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Can I qualify for a personal loan with a 750 credit score if I have a limited credit history?

While having a limited credit history can impact your loan application, a 750 credit score indicates responsible credit management. Lenders may consider other factors such as income, employment history, and debt-to-income ratio to assess your eligibility for a personal loan.

Will a 750 credit score guarantee me the best interest rates on a personal loan?

While a 750 credit score is considered good, the specific interest rates offered by lenders can vary. Factors such as the loan amount, repayment term, and the lender's evaluation of your overall financial profile will also influence the interest rate you receive.

Can I apply for a personal loan with a 750 credit score if I have existing debts?

Yes, you can apply for a personal loan even if you have existing debts. Lenders evaluate various aspects of your financial situation, including your debt-to-income ratio. It's important to manage your debts responsibly and ensure that you can comfortably manage the new loan payments.

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How long does it typically take to receive funds once approved for a personal loan?

The time it takes to receive funds can vary depending on the lender. Some lenders offer quick approval and funding processes, allowing you to receive the funds within a few business days, while others may take longer.

Compare loan options for good and excellent credit:

How to 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?

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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Loan rate & terms disclosure: Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.

Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.