Personal Loans for an 750 Credit Score

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

Discover

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

Marcus

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

Prosper

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

Upstart

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

Avant

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