Best Personal Loans for Good Credit in 2026: Top 10 Lenders Compared

Top picks: If you have good credit, the best personal loans in 2026 come from SoFi®, LightStream, Upstart, Discover® Personal Loans, Wells Fargo and more, with annual percentage rates (APRs) generally ranging from about 5.96% to 35.99%.

Good credit means a FICO score between 670 and 739. If your score sits in that range, you can qualify for lower rates, higher loan amounts and more flexible terms than borrowers with poor or fair credit.

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MoneyLion offers a service to help you find personal loan offers. Based on the information you provide, you can get matched with offers for up to $100,000 from our top providers. You can compare rates, terms, and fees from different lenders and choose the best offer for you.

Key Takeaways

• The best personal loans for good credit in 2026 come from SoFi, LightStream, Upstart, Discover, Wells Fargo and more: APRs generally range from about 5.96% to 35.99%, based on your credit and lender.

• Good credit means a FICO score of 670 to 739: That range unlocks lower rates, higher loan amounts and more flexible terms than fair or poor credit.

• The lowest rates go to no-fee lenders: LightStream, Discover, Wells Fargo, Citi and TD Bank charge no origination fee, while Upgrade, Best Egg and Upstart can charge up to 9.99% to 12%.

• Big borrowers have room: SoFi, LightStream and Wells Fargo lend up to $100,000, while Happen Bank and Upstart reach $75,000.

• Prequalify before you commit: A soft credit check previews real APRs from several lenders without affecting your score.

• Aim higher than 670 for the best pricing: A score of 740 or above typically qualifies for a lender's lowest advertised APR.

Summary generated by AI, verified by MoneyLion editors

Best Personal Loans for Good Credit at a Glance

1. LightStream

LightStream is the online, consumer lending division of Truist, and it prioritizes customers with strong credit. This includes those with a demonstrated ability to save, good credit history and a reasonable debt-to-income (DTI) ratio.

Pros

• Good option for those with high credit scores combined with strong financial histories

• Highly rated by customers

• Quick application and approval process

Cons

• Rates increase by 0.50% if you don't use autopay

• Typically only approves borrowers with good-to-excellent credit

• Rates vary by loan purpose

2. SoFi

SoFi tries to satisfy borrowers' growing financial needs from buying a home to saving money on student loans to advancing their careers. The company offers meet-ups and career counseling, which are nice perks. After approval, funds from a SoFi personal loan can be available the same day.

Pros

• No fees required

• Direct pay to credit card companies if you're consolidating debt

• Potential for same-day funding upon approval

Cons

• Some online lenders may have slightly more competitive interest rates

3. Best Egg

Best Egg is a self-proclaimed hassle-free personal loan option, and can give you a quote with a rate and loan terms in as little as five minutes. Its Direct Pay feature could help you get better rates and pay off existing debt faster, and they offer both secured and unsecured loans.

Pros

• Both secured and unsecured loans are available if needed

• Direct Pay can pay creditors directly if you're using the loan for debt consolidation

• Highly rated by customers

Cons

• Origination fees of 0.99% to 9.99%

4. Happen Bank (formerly LendingClub)

Happen Bank, formerly known as LendingClub, is an online lender with a quick, streamlined application process. It has multiple available uses for the loan money, including debt consolidation, and you can receive funds within 24 hours after loan approval.

Pros

• Funds can be sent directly to your creditors if using for debt consolidation

• Multiple options available for personal loan uses

• Both shorter and longer loan terms available compared to some competitors

Cons

• Cannot use loan funds to pay for post-high school education costs or for making investments (including into cryptocurrency)

5. Discover Personal Loans

Discover Personal Loans can provide fast payment on personal loans and funds can be disbursed directly to your creditors if you're consolidating debt.

Pros

• Discover provides loan calculators so you can figure out exactly what you'll be paying

• Flexible payment options are available

• Fast approval processes as long as the application is thorough

Cons

• The loan cannot be used to pay for post-secondary education, consolidating debt from Discover or Capital One credit cards, or to pay off a secured loan

6. Wells Fargo Personal Loans

Wells Fargo also offers a wide range of lending solutions for existing customers, including secured loans and personal loans for credit card consolidation. The bank has more than 8,000 locations, and borrowers can apply online, by phone or in person. Once your Wells Fargo personal loan is approved and you agree to the terms, you can receive funding by the next business day.

Pros

• The Wells Fargo website offers an online loan rate and payment calculator, and a debt consolidation calculator

• Potentially competitive interest rates compared to some other lenders

• Potential loan of up to $100,000, which is higher than some other competitors

Cons

• To be eligible to apply, you need to be a Wells Fargo customer for at least 12 months and meet other not-stated "applicant requirements" per the site.

• If you're looking at personal loans for excellent credit, you might find lower interest rates elsewhere.

7. Upgrade

Upgrade is an online lending platform that comes with access to helpful products and tools, including free credit monitoring, alerts and educational tools.

Once you accept a loan offer from Upgrade, funds will be sent to your bank via an ACH transfer within one business day. It also provides some of the best personal loans for fair credit.

Pros

• Available to borrowers with fair credit  

• Multiple available discounts, including if you use part or all of the loan to pay off existing debt or set up auto-pay

• Secured and unsecured loans available

Cons

• All loans have an origination fee

8. Citi Personal Loans

Citi has a large number of financial products, and its personal loans fit a variety of needs. You can choose between fixed-rate personal loans as well as personal lines of credit. However, not all products are available in every state.

You can get approved for a Citi personal loan quickly, and eligible existing Citi customers can receive loan funds as quickly as the same business day. 

Pros

• The bank has over 600 branches across the U.S. for additional service

• If you're already an eligible Citi customer, you can get the money the same day as approval

• 0.5% rate reduction for enrolling in auto-pay at loan origination

Cons

• You might find lower rates from other lenders if you have a high credit score

• Some states have more competitive offers

9. TD Bank

TD Bank has locations across the eastern part of the U.S. If approved for a TD Bank personal Loan, you can consolidate credit card debt, fund a vacation or pay for home improvements.

Pros

• No origination fees

• High lending cap of $50,000

• Terms range from 36 to 60 months

Cons

• General loan information only available after selecting from limited state options

• You can't use the loan for educational or business expenses

10. Upstart

Upstart has a quick and easy online application program, and you can take advantage of either three- or five-year loan terms on amounts up to $75,000.

Upstart personal loans have relatively competitive interest rates, and you can discover your rate in as little as five minutes.

Pros

• Get funding in as soon as one business day

• Competitive rates compared to traditional lenders

• No prepayment penalties

• Approval model considers education and employment, in addition to financial background, which may make it easier to get approved

Cons

• Origination fees of 0% to 12% apply

• Only two loan terms available (36 or 60 months)

Does Checking Your Rate Affect Your Credit Score?

Checking your rate with most personal loan lenders does not hurt your credit score. Lenders use a soft credit check during prequalification, which is not visible to other lenders and does not lower your score.

Your score can dip a few points once you formally apply. That step triggers a hard credit inquiry, which stays on your credit report for up to two years but usually only affects your score for a few months.

A quick way to shop smart:

• Prequalify with two or three lenders to compare real rates.

• Apply only with the lender that offers you the best terms.

• Submit your full application within about two weeks to be safe if you shop more than one lender, so the hard pulls count as a single inquiry for scoring.

Choosing the Right Personal Loan Lender for You

Follow these steps to pick the right personal loan lender for your situation.

1. Check your credit score: Know where you stand before you shop so you can target lenders that match your credit profile.

2. Set your loan amount and purpose: Decide how much you need and what you'll use it for, whether that's debt consolidation, a home project or a large purchase.

3. Prequalify with two or three lenders: Use soft-pull prequalification to compare real APRs, terms and monthly payments without hurting your score.

4. Compare the total cost, not just the APR: Add up interest, origination fees and any late fees to see the true cost of each loan.

5. Read the fine print on terms and fees: Look for prepayment penalties, autopay discounts and hardship options before you sign.

6. Apply with your top pick: Submit one full application to the lender that offers the best combined rate, term and fees for your budget.

Personal Loans for Good Credit FAQs

What credit score do you need to get the best personal loan rates?

You typically need a FICO score of 740 or higher to qualify for a lender's lowest advertised APR. Scores from 670 to 739 still qualify for competitive rates, but they may sit closer to the middle of a lender's rate range.

Does prequalifying for a personal loan hurt your credit?

No. Prequalification uses a soft credit pull, which does not affect your credit score. A hard inquiry is only added when you submit a full application.

How much can you borrow with good credit?

Most lenders offer personal loans between $1,000 and $100,000 for borrowers with good credit. Your actual loan amount depends on your income, debt-to-income ratio and the lender's limits.

How fast can you get a personal loan?

Many online lenders fund approved loans within one to three business days. Some, like LightStream and SoFi, can send funds as soon as the same day you're approved.

Are personal loans fixed or variable rate?

Most personal loans carry a fixed APR. Your rate and monthly payment stay the same for the life of the loan, which makes budgeting easier.

Key Terms

• Good credit: A FICO score between 670 and 739, which qualifies for competitive personal loan rates and terms.

• Annual percentage rate (APR): The yearly cost of borrowing including interest and fees — the clearest way to compare offers.

• Origination fee: A one-time charge, often 1% to 10%, some lenders deduct from your loan proceeds; many no-fee lenders charge none.

• Autopay discount: A rate reduction, often 0.25% to 0.50%, for enrolling in automatic payments.

• Prequalification: A soft-credit-check preview of your rate and terms that doesn't affect your score.

• Hard inquiry: The credit pull from a full application, which can dip your score a few points and stays on your report up to two years.

• Fixed APR: A rate that stays the same for the life of the loan, keeping your monthly payment predictable.

• Direct pay: A lender feature that sends funds straight to your creditors when you consolidate debt.

Sources

• myFICO: What Is a Credit Score? 

• Federal Reserve: Consumer Credit (G.19) 

• CFPB: What's the difference between a hard and soft credit inquiry?

• CFPB: Will shopping for a loan hurt my credit? 

Summary generated by AI, verified by MoneyLion editors

Emily Gadd, CCC™, contributed to editing this article.

Photo credit: shapecharge / iStock.com

_{*Fixed rates from 6.99% APR to 35.49% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 11/03/25 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000 to $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0% to 7%, will be deducted from any loan proceeds you receive.}