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

If you have good credit, the top personal loan lenders in 2026 include SoFi®, LightStream, Upstart, Discover® Personal Loans, Wells Fargo and more, with annual percentage rates (APRs) ranging from 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

• What are the best personal loans for good credit? Ten top lenders lead in 2026: SoFi, LightStream, Upstart, Discover, Wells Fargo and others, with APRs from about 6% to 36%.

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

• The lowest rates go to the highest scores: A score of 740 or above typically earns a lender's lowest advertised APR, while 670 to 739 lands closer to mid-range.

• A good APR is 10% or lower: For reference, the average 24-month personal loan APR was 11.86% in May 2026, per Federal Reserve data.

• Fees matter as much as rate: Origination fees run from 0% at no-fee lenders like LightStream and Discover up to 12% at others — compare total cost, not just APR.

• Checking your rate won't hurt your score: Prequalifying uses a soft inquiry, and clustering hard pulls within about two weeks counts as a single inquiry.

Summary generated by AI, verified by MoneyLion editors

How MoneyLion Chose These Lenders

MoneyLion reviewed more than 25 personal loan lenders and ranked the top 10 based on three factors.

• APR range: Lenders with starting APRs under 10% scored higher.

• Fees: Lenders with no origination fees, no prepayment penalties and no late fees scored higher.

• Funding speed: Lenders that fund loans in one to three business days scored higher.

Best Personal Loans for Good Credit at a Glance

Rates last checked on Sept. 25, 2026. Lender rates change often, so confirm current terms before you apply.

1. LightStream: Best for Large Loans up to $100,000

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: Best for Fast Funding With Same-Day Approval

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 for Secured and Unsecured Options

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): Best for Debt Consolidation

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: Best for No Fees

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: Best for Wells Fargo Customers

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: Best for Fair-to-Good Credit

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: Best for Citi Customers

Citi offers many financial products, and its personal loans fit a variety of needs. You can choose between fixed-rate personal loans and 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: Best for TD Bank Customers

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: Best for Flexible Approval

Upstart offers a quick, easy online application, and you can choose between three- or five-year terms for 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.

• If you shop with more than one lender, submit your full application within about two weeks 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.

Best Personal Loans for Excellent Credit

With a FICO score of 740 or higher, you'll typically qualify for each lender's lowest advertised APR. The same top lenders apply — LightStream, SoFi and Discover lead for low rates and no fees — but excellent-credit borrowers should focus on the bottom of each APR range and prioritize no-origination-fee lenders to minimize total cost.

Personal Loans for Good Credit FAQs

What are the best personal loans for good credit?

For a FICO score of 670 to 739, the top 2026 lenders include SoFi, LightStream, Discover, Upstart and Wells Fargo, with APRs running from about 6% to 36%. The best fit depends on how much you need, the fees and how fast you want funding — no-fee lenders like LightStream and Discover are strong for keeping total cost down, while SoFi and Citi can fund the same day.

What credit score gets you the best personal loan rate?

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 earn competitive rates, but they usually land closer to the middle of a lender's range. Your income and debt-to-income ratio factor in too.

What is a good APR for a personal loan with good credit?

For borrowers with a score of 670 or higher, a good APR is around 10% or lower. For reference, the average 24-month personal loan APR was about 11.86% in May 2026, per Federal Reserve data, so beating that is a reasonable target.

Does checking your personal loan rate hurt your credit?

Most lenders use a soft credit pull for prequalification, which doesn't affect your score. A hard inquiry only happens once you formally apply, and if you shop several lenders within about two weeks, the pulls usually count as a single inquiry.

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 amount depends on your income, debt-to-income ratio and the lender's limits — LightStream, SoFi and Wells Fargo go up to $100,000.

Key Terms

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

• Annual percentage rate (APR): The yearly cost of borrowing, including interest and most fees.

• Origination fee: An upfront charge some lenders deduct from your loan proceeds, often 1% to 12%.

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

• Soft credit inquiry: A rate check during prequalification that doesn't affect your score.

• Hard credit inquiry: A full credit pull at application that can dip your score for a few months.

• Debt-to-income ratio (DTI): Your monthly debt payments divided by gross monthly income, which lenders weigh alongside credit.

• Direct pay: A feature where the lender pays your creditors directly when you consolidate debt.

Sources

• CFPB: What is a personal installment loan?

• Federal Reserve: Consumer Credit — G.19

• myFICO: What is a good credit score?

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

Summary generated by AI, verified by MoneyLion editors

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

Photo credit: shapecharge / iStock.com