Personal Loans for an 700 Credit Score

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700 credit score loans

How to Get a Loan with a 700 Credit Score

A good credit score opens up a lot of doors for you to take advantage of good lending offers. If you have a score of 700 or more, you’ll be able to find a suitable personal loan for your needs below.

Applying for a good credit score personal loan is fast and easy:

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Is a 700 credit score a good score?

Yes, both figuratively and literally. A 700 credit score is classed as “Good” and is a good score to have. The closer your score is to an “Excellent” score, which starts at 750, the better off you’ll be.

Can I get a personal loan with a 700 credit score?

Yes, you likely can. Two other key factors affect whether or not you can get a loan; your debt-to-income ratio and your income. Your debt-to-income ratio must be less than 43%, and should ideally be less than 20% if you’re thinking of applying for a new loan. That means if you make $100,000, you must not have more than $43,000 of debt already, and should ideally have less than $20,000. Note that this debt does not include your mortgage.

Best Personal Loans for 700 Credit Score

Below you’ll find some of the best personal loans available to anyone with a credit score of 700. They’re ordered in alphabetical order, so make sure you read through them carefully to find the right loan for you.

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, low minimum score
  • 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
  • Cons: High minimum credit score

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
  • 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
  • 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, and potentially high interest rate

LightStream

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

  • Rates: 24% - 19.99%
  • Minimum Score: 660
  • Terms: 2-7 years
  • Pros: Potentially low interest rates, can fund same day, no fees, soft credit check before you apply
  • 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
  • Cons: Origination fee, not available in IA, ND, and WV, potentially high interest rate

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

Upgrade

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

  • Rates: 46% - 35.97%
  • Minimum Score: 560
  • Terms: 2-6 years
  • Pros: Fast funding, soft credit check before you apply
  • Cons: Not available in WV, origination fee

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How do I apply for a loan with a 700 credit score?

Applying for a loan with a 700 credit score is usually a straightforward process. There are 6 steps that don’t take long to complete:

  1. Check you qualify: Before you apply, double check you will qualify for the loan you’re looking for. Some lenders have a minimum income requirement, but you can check that in step 4. For now, consider if your income will allow you to comfortably cover your living expenses and the cost of the loan. Your debt-to-income ratio should be less than 40%.
  2. Decide on the term: The longer it takes to pay off your debt, the lower your monthly payments will be but remember that you’ll pay more in interest and you’ll be in debt for longer, so weigh up your options carefully.
  3. Compare interest rates: Your next step is to compare interest rates of potential loans. The lower the interest rate, the less you’ll pay for your loan. What interest rate you’re offered will depend on your creditworthiness.
  4. Compare pros and cons: The interest rate isn’t the only factor you could consider, so compare a loan’s pros and cons and look at their minimum score and income requirements, before you decide who to apply to.
  5. Apply: Once you’ve chosen the right loan for you, it’s time to apply. Simply click through to their site and complete their application. You’ll usually get an immediate decision, but don’t worry if you don’t - they may need to process your application manually or require a little more information.
  6. Receive your funds: Some lenders offer same working day funding, while others take up to a week. Once you’ve got your loan, you’re free to spend it on whatever you please.

A 700 credit score is a good score and you can move into your loan application with confidence. Make sure your debt-to-income ratio is good and that your income is adequate for the loan you’re applying to, and you’ll have the funds you need before you know it.

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