Personal Loans for an 800 Credit Score

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800 credit score loans

How to Get a Loan with a 800 Credit Score

An 800 credit score will allow you to access some of the best interest rates on the market, especially as your score gets closer to 850 and beyond. With such a good score, you can almost get any personal loan you want, provided you fit a lender’s other criteria. We’ll guide you through the best personal loans for an 800 credit score below.

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Is an 800 credit score a good score?

Yes, an 800 credit score is actually better than a good score, because it’s classed as an “Excellent” score. With this score, you should be able to secure much more affordable interest rates.

Can I get a personal loan with an 800 credit score?

You won’t have any issues obtaining a personal loan with an excellent credit score. You’ll likely be eligible for better loan terms and credit cards with better rewards. That said, you need to keep in mind other factors that make you creditworthy, such as your income and debt-to-income ratio. Your income should be sufficient to pay the loan payments and comfortably pay all your living expenses, and your debt-to-income ratio must be no more than 43% (ideally less than 20%). That means if you make $100,000 a year, your current debt (excluding your mortgage) should be no more than $43,000, ideally less than $20,000.

Best Personal Loans for 800 Credit Score

Below, you’ll find our top pick of lenders for people with a score of 800 or more. They are in alphabetical order, so make sure you look through them all before making your decision.

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, and a low minimum income
  • Cons: Origination fee, not available in CO, IA, HI, VT, NV, NY, and WV

Axos

Offers Loans of $10,000 - $50,000

  • Rates: 99% - 15.19%
  • Minimum Score: 700
  • Terms: 3-6 years
  • Pros: Next-day funding, offers a soft credit check before applying, no prepayment penalty, good for larger loans
  • Cons: none

Best Egg

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

  • Rates: 99% - 35.99%
  • Minimum Score: 600
  • Terms: 2-5 years
  • Pros: Funds in 1-3 days, soft credit check before applying, you should be able to secure a lower interest rate
  • Cons: 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: Soft credit check before applying, no fees besides a late fee, use for any purpose, funds next business day, potentially low interest rate for someone with an 800 score
  • Cons: None

Happy Money

Offers Loans of $5,000 - $40,000

  • Rates: 99% - 29.99%
  • Minimum Score: 600
  • Terms: 2-5 years
  • Pros: Soft credit check before you apply
  • Cons: Origination fee, a little slow to fund compared to others (2-5 business days), not available in MA and NV, interest rates aren’t as good as some of the other lenders on this list

LightStream

Offers Loans of $5,000 - $100,000

  • Rates: 24% - 19.99%
  • Minimum Score: 660
  • Terms: 2-7 years
  • Pros: Potentially low interest rate, can fund same day, no fees, soft credit check before you apply, good for larger loans
  • Cons: Not available in RI and VT

Marcus

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

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

Prosper

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

  • Rates: 99% - 35.99%
  • Minimum Score: 640
  • Terms: 2-5 years
  • Pros: Next-day funding, soft credit check before you apply, should be able to secure a low rate
  • Cons: Origination fee, not available in IA, ND, and WV

SoFi

Offers Loans of $5,000 - $100,000

  • Rates: 99% - 23.43%
  • Minimum Score: 640
  • Terms: 2-7 years
  • Pros: No fees, soft credit check before you apply
  • Cons: Not available in MA, slightly higher starting rate

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How do I apply for a loan with a 800 credit score?

Once you’ve decided to apply for a personal loan, there are a few things you’ll need to do. Here’s our step-by-step guide on how to apply for your personal loan:

  1. Figure out how much you’ll need to borrow. If you’re looking to make a big purchase, shop around to find the best price for whatever you’re looking to buy. By ensuring you’re getting the best price for your purchase, you could be saving yourself from borrowing more than you need. If you can easily pay for half of the item yourself, try to avoid the temptation of borrowing the whole amount for the item; you’ll only have more to pay back in the long run.
  2. Establish how long it will take you to repay your personal loan. As you may know, the best way to avoid paying high rates is to repay your loan as quickly as you can. However, it’s worth looking at each loan’s annual percentage rate (APR), as some short-term loans can come with notably high APR. While you may expect a late fee for tardy repayments, some lenders may even charge you an additional fee for repaying your loan too quickly, which may seem surprising if you’re likely to want to pay them back ahead of time.
  3. Once you’ve calculated how much you’ll need to borrow and how long you’ll need to pay it back, you can start comparing loans to make sure you’re getting the best deal possible. Read through the pros and cons above and click through to learn more about each lender before you reach a decision.
  4. Apply! Once you’ve chosen your preferred lender, all you need to do is apply. Simply fill in their online application and you’ll usually get an instant decision. Once you’re approved, your funds will be in your account within a week.

An 800 credit score is an Excellent score, so you should be able to access some of the best interest rates available. Make sure you apply carefully so you can easily afford your repayments and keep your score as good as it is now throughout your loan.

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