Best Personal Loan Companies For Good Credit

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Best Personal Loan Companies For Good Credit

. That growth has slowed during the pandemic, but thanks to the versatility of personal loans, it’s becoming more common. Good credit personal loans come with reasonable interest rates, making them increasingly popular.

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You can trust our reviews: Writers and editors follow strict editorial guidelines and prioritize a consumer approach to ensure our reviews are fair and trustworthy. Find out how we choose the best personal loan for good credit.

A credit score between 670 and 739 is considered good. The average US FICO score of 711 falls within this range. If your score is in this range, you should have no problem finding a lender, and you will likely receive multiple offers.

A credit score at the lower end of the “good” range will have much higher interest rates than a credit score at the higher end of the range. Where you fall on that spectrum—and the interest rate you can get—can affect your credit plans, and sometimes it’s not the best choice.

You have to decide if a personal loan is right for you. One thing to consider is that interest rates on personal loans are at an all-time low.

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Frequent users of personal loans include people with good (prime) credit. The chart uses VantageScore, but the ranges are very similar.

Just because personal loans are popular with borrowers with good credit doesn’t mean a personal loan is the best option for you. It depends on your personal goals and needs. Consider these situations:

As with any loan, you should compare several offers and read the loan agreement carefully.

Discussions about the best lenders for personal loans usually focus on the large online lenders across the country. Sometimes the solution you need is right next to you. A bank or credit union that can meet your day-to-day banking needs is always worth a try.

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Your bank or credit union knows you and has access to your records. You can talk about your request directly with the person making the decision. If your credit is tainted by old problems or you have evidence of credit that is not part of your credit score, such as your income or employment history.

You can get many great personal loans online with a good credit score. Although rates can vary widely from the high end to the low end of the “good” range, you can expect competitive rates.

Check your personal loan interest rate by answering a few questions. It only takes a few minutes and won’t affect your credit score.

SoFi is a well-known student loan provider that has expanded to include other types of loans. The minimum credit score for a personal loan is 680 and the higher the score, the better your profile and the better your chances of approval.

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Lightstream offers loans from $5,000 to $100,000. They have a wide range of loan products and a reputation for quick approval and disbursement of funds. The minimum credit is 660 points.

Happy Money offers loans up to $40,000. Their payday loans are specifically designed for credit card debt consolidation. There are no upfront fees. Your credit score must be above 640.

Best Egg offers loans from $2,000 to $50,000 to borrowers with a credit score of 600 and above and has consistently good customer reviews.

All these companies serve borrowers with different credit scores. If your score is at or near the low end of this range, you will not receive the best offer and may not be approved.

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Many lenders are not the first choice for personal loans. They are matching services that send your information to a network of lenders and allow you to make an offer. This makes comparison shopping easy and helps you get the best deals. It allows you to access multiple lenders with one application and allows you to compare results.

Some services, especially those that cater to borrowers with bad credit, have a dubious reputation. However, with good credit, you can gain access to companies that can match you with legitimate, quality lenders without having to sell your contact information or divulge your personal information.

It pays to research any company you are considering. Some customers will be unhappy and all companies will have some complaints. If you have similar complaints, beware.

Credit is a highly respected credit market. Lenders in the Trusted Network offer loans up to $200,000. They offer loans to borrowers older than 620 and are guaranteed to find you the best interest rate. Terms and conditions apply.

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Bankrate can help you work with lenders with loan terms ranging from 6 months to 84 months, with an APR as low as 35.99%*.

LendingTree is a loan matching service with a minimum credit score of 600. They require proof of income and employment and your debt to income ratio must be less than 36%. The loan amount is $200,000 or less.

Many of these services work with borrowers at the lower end of the “good” range and borrowers with “fair” credit, but with a good score you get lower rates and better terms.

Your good credit score will get you a personal loan. You will be recognized, that’s not a problem. You may not get the rate or terms you want, especially if your score is at the low end of the “good” range.

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If you’re not getting the terms and rates you want, there’s a good reason to improve your credit. If you can do it “well”, you can do it “very well” or even “excellent”. That’s when the lenders roll out the red carpet and come up with the most worthwhile deal!

Building good credit takes time, but the basic strategy is simple. The first step is right in front of you: You have a new personal loan, and making every payment on time will improve your credit. Don’t stop there. Follow these steps to understand your credit score and improve your credit!

* The Annual Percentage Rate (APR), loan term and monthly payments are estimated based on an analysis of the information you provide, data provided by the lender and publicly available information. All credit information is not guaranteed and estimated annual interest rates and other terms are not binding in any way. Lenders offer loans with different annual interest rates based on the borrower’s creditworthiness and other factors. Remember that only borrowers with good credit qualify for the lowest interest rates. Your APR depends on factors such as your credit score, loan amount requested, loan term and credit history. All loans are subject to credit check and approval. Check the lender’s terms and conditions for more details when evaluating offers.

Here are the factors we considered when choosing the best personal loans for 2023 at Fair Credit.

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Not all of these factors will be important to all borrowers, so you should focus on the factors that are important to you.

The editorial content on this site is not provided or commissioned by any financial institution or other organization. Any opinions, analyses, reviews, reports, or recommendations expressed in this article are those of the authors and have not been reviewed, endorsed, or approved by these organizations prior to publication. We follow strict editorial guidelines to ensure our content is accurate and unbiased.

Steve Rogers has been a professional writer and editor for over 30 years, specializing in personal finance, investing and financial markets, and the impact of political trends on personal finance. His work has appeared in the International Herald Tribune, Foreign Affairs, and the Journal of Democracy. On rare occasions, he throws his shield.

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The content of this article is for educational and informational purposes only and should not be construed as professional financial advice. It is not a financial institution and does not provide any financial products or services. We try to provide the most up-to-date information, but we do not guarantee the accuracy of our information.

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