Personal loans for excellent credit

Turn your excellent credit into extra savings. Enjoy low rates, flexible terms and quick funding.

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Compare personal loans for good credit from our partners

As of January 2026, compare personal loans with rates as low as 4.99% for borrowers with excellent credit. Borrow up to $250,000 and get your money fast with same-day funding options available.

Best for large amounts

(464 reviews)

96%

would recommend

See offers

Recommended FICO^® Score^Θ

Good - Exceptional

Est. APR	8.74 - 35.49%
Term	24 - 84 mo
Loan amount	$5,000 - $100,000
Est. monthly payment	$228 - $3,237

Loan details

Personal Loans with low fixed rates
Borrow up to $100,000
No Origination Fees Required, No Prepayment Penalties, and No Late or Overdraft Fees
Simple online application with live support 7 days a week
Apply Now

Lender disclosure

Fixed rates from 8.74% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% SoFi Plus interest rate 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– $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%-7%, will be deducted from any loan proceeds you receive.

Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.

SoFi Plus Discount: SoFi Plus members are eligible for an interest rate reduction of 0.25% on a Personal Loan. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2024 was around $33K. Information current as of 11/03/25. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.

Why we picked it^†

With a $100,000 limit, SoFi personal loans are best suited for those who need to borrow more than what most other lenders are willing to offer. The minimum loan amount is $5,000, and you can repay the loan over two to seven years.
There are no-fee options available. Pay a one-time fee for a lower interest rate. You can even get same-day funding, depending on when your loan is approved. The lender’s interest rates are competitive with low fixed rates.

Pros and cons

Large loan amounts
Offers prequalification
Same-day funding

High credit score requirements
High minimum loan amount

Best personal loan for excellent credit

(112 reviews)

97%

would recommend

See offers

Recommended FICO^® Score^Θ

Poor - Exceptional

Est. APR	8.99 - 35.99%
Term	24 - 60 mo
Loan amount	$2,000 - $50,000
Est. monthly payment	$91 - $1,806

Loan details

More than $25 billion loans funded
Join America's first personal loan marketplace with over 1 million members
Next Day Funding - In as Little as One Business Day**
Get fixed monthly payments with no prepayment penalties

Lender disclosure

Terms presented, including APR and monthly payment amount, are estimated and created based on information entered by you and through analysis of historical data on loans through Prosper. Your eligibility for a loan and actual terms depend on the information you provide in your application, and other variables including, but not limited to, your credit score, Prosper Rating, loan amount, loan term, employment and income details, credit usage and history. Eligibility for personal loans up to $50,000 depends on a number of factors, including (but not limited to) your financial history, credit score, monthly income, and monthly expenses. Eligibility for personal loans is not guaranteed, and requires sufficient investor commitments to fund. Your monthly payment amount may be different in the final month of your loan.

Personal loans through Prosper have an annual percentage rate ("APR") of 8.99% to 35.99%, terms between two and five years, and an origination fee from 1% to 9.99%. For example, a three-year $10,000 personal loan with an interest rate of 16.66% and a 8.99% origination fee results in a 23.53% APR. You would receive $9,101.00 and make 36 scheduled monthly payments of $354.84. A five-year $10,000 personal loan with an interest rate of 18.73% and a 8.99% origination fee results in a 23.26% APR. You would receive $9,101.00 and make 60 scheduled monthly payments of $257.92. The average APR for loans with a 3-year term funded between January 1, 2025, and June 30, 2025, was 23.53%.

Whether you are eligible for a specific APR or loan term will depend on a number of factors, including (but not limited to) your current credit rating and information you provide in your application. The lowest rates are for the most creditworthy applicants. Your actual rate may differ.

You may receive your funds one business day following your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank's transaction processing speed.

All personal loans made by WebBank.

Why we picked it^†

Prosper is a peer-to-peer lending platform that connects borrowers with investors and collects a fee for its service. A Prosper personal loan can be as small as $2,000 and as large as $50,000. Repayment terms range from 24 to 60 months and there’s no prepayment penalty. It can take one to three business days for your funds to become available after approval.
While there’s no application fee, you’ll need to account for an origination fee. Prosper loans also don’t have a grace period, so interest starts accruing right away.

Pros and cons

Accessibility for a wide range of credit borrowers
Can apply with a co-borrower
Clear qualification requirements

Has an origination fee
High maximum interest rate
No grace period

Best for small amounts

(477 reviews)

96%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	6.45 - 33.64%
Term	36 - 60 mo
Loan amount	$1,000 - $50,000
Est. monthly payment	$31 - $1,731

Loan details

Affordable loans from $10,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties
Quick online application -- get pre-approved in just minutes
Checking your rate won't impact your credit score
Review multiple loan options so you can pick the amount and term that fits your budget and timeline
With automatic payments and a customizable due date, managing your personal loan through Upgrade is easy and will give you a clear payoff date

Lender disclosure

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99% and a 1.85%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For certain discounts, collateral may be required. Repayment terms from 24 to 84 months. For example, if you receive a $10,000 unsecured loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR and other terms of your loan may vary and you may not be presented with multiple offers. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors. Late payments or other fees, as noted in your Borrower Agreement, may increase the cost of your fixed rate loan. Certain loan offers may not be available in all states. Upgrade is a financial technology company, not a bank. Personal loans issued by Upgrade's bank partners: https://www.upgrade.com/bank-partners/.

Why we picked it^†

An Upgrade personal loan can be as small as $1,000, making it worth considering if your borrowing needs are too low for other lenders’ minimums. Upgrade’s loan limit is $50,000, and you can pay back the debt over two to seven years. Funding can occur as soon as the day after approval.
One major drawback to Upgrade is its origination fee, which is deducted from the loan proceeds. The lender’s interest rates are competitive but can be high if your credit is less than stellar.

Pros and cons

Low loan amounts
Offers prequalification
Quick funding

Has an origination fee
Not available in all states

Best for debt consolidation

(25 reviews)

100%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	7.70 - 24.50%
Term	24 - 60 mo
Loan amount	$5,000 - $50,000
Est. monthly payment	$225 - $1,453

Loan details

7.95% - 29.99% APR
Quickly check your rate without affecting your credit score
No prepayment, late, or check-processing fees

Lender disclosure

Why we picked it^†

Offered by Happy Money, the Payoff personal loan is specifically designed for credit card debt consolidation. Loans range from $5,000 to $50,000, with repayment terms from two to five years.
You may be charged an origination fee depending on your loan amount, repayment term and creditworthiness. There are no other fees on the loan, however. Funding typically takes between two and five business days, but if you want Happy Money to make a direct payment to your credit card issuers, it can take longer.

Pros and cons

Can make a direct payment to your credit card issuer
Available for borrowers with fair credit scores
Offers prequalification

High minimum loan amount
Charges an origination fee
Borrowers can’t use loan funds for anything other than credit card consolidation

(653 reviews)

94%

would recommend

See offers

Recommended FICO^® Score^Θ

Poor - Exceptional

Est. APR	6.70 - 35.99%
Term	36 - 60 mo
Loan amount	$1,000 - $50,000
Est. monthly payment	$31 - $1,806

Loan details

Loan amounts from $1,000 - $50,000
APRs from 6.7% - 35.99% with loan terms of 3 or 5 years
Won't affect your credit score
You can have funds in as fast as 1 day
You are more than your credit score. On Upstart your education and experience help you get the rate you deserve.

Lender disclosure

This offer is conditioned on final approval based on our consideration and verification of financial and non-financial information. Rate, loan amount, and loan terms are subject to change based upon information received in your full inquiry on our site. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, a US citizen or permanent resident, and a current resident of the US. Closing your loan is contingent on your meeting our eligibility requirements, our verification of your information, and your agreement to the terms and conditions on the Upstart.com website. Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000). The full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

While most loans through Upstart are unsecured, certain lenders may place a lien on other accounts you hold with the same institution. There may be an option to secure your personal loan through Upstart with your vehicle, which will require a lien to be placed on the vehicle. It is important to review your promissory note for these details before accepting your loan.

(582 reviews)

97%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	5.99 - 35.99%
Term	36 - 60 mo
Loan amount	$2,000 - $50,000
Est. monthly payment	$61 - $1,806

Loan details

Get a personal loan up to $35,000 with a fixed APR from 5.99% to 29.99%
Get money in as little as one business day, upon approval and verification
Join more than 450,000 customers at a trusted company with an A+ BBB rating
Use it for almost anything: consolidate debt or other unexpected expenses

Lender disclosure

The Annual Percentage Rate (APR) is the cost of credit as a yearly rate and ranges from 5.99%-29.99%, which may include an origination fee from 0.99%-5.99% that is deducted from loan proceeds. Any origination fee on a loan term 4-years or longer will be at least 4.99%. The loan term and the APR offered will depend on your credit score, income, debt payment obligations, loan amount, credit usage history and other factors. Additionally, the APR offered is impacted by your loan term and may be higher than our lowest advertised rate. Requests for the highest loan amount may result in an APR higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest rate.

Best Egg loans are unsecured personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. Equal Housing Lender. "Best Egg" is a trademark of Marlette Funding, LLC. All uses of "Best Egg" on this site mean and shall refer to "the Best Egg personal loan" and/or "Best Egg on behalf of Cross River Bank, as originator of the Best Egg personal loan," as applicable. Loan amounts generally range from $2,000-$35,000. Offers up to $50,000 may be available for qualified customers who receive offer codes in the mail. The minimum individual annual income needed to qualify for a loan of $50,000 is $130,000. Borrowers may hold no more than two open Best Egg loans at any given time. In order to be eligible for a second Best Egg loan, your existing Best Egg loan must have been open for at least four months. Total existing Best Egg loan balances must not exceed $50,000. All loans in MA must exceed $6,000; in NM, OH must exceed $5,000; in GA must exceed $3,000. Borrowers should refer to their loan agreement for specific terms and conditions. Your verifiable income must support your ability to repay your loan. Upon loan funding, the timing of available funds may vary depending upon your bank's policies.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.

(1724 reviews)

98%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	4.99 - 32.39%
Term	24 - 60 mo
Loan amount	$1,000 - $60,000
Est. monthly payment	$44 - $2,030

Loan details

LendingClub Bank offers loan amounts from $1,000 - $60,000, flexible terms, and no pre-payment penalties
Check your rate with no impact to your credit score¹
Fast Funding - Once your loan is approved for funding, we’ll pay your creditors directly or send the money in as little as 24 hours²

Lender disclosure

¹Checking a rate through us generates a soft inquiry on a person’s credit report, which does not impact that person’s credit score. A hard credit inquiry, which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person.

²Between Jan 2025 to June 2025, 55% of LendingClub Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank’s processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $17,413 for a term of 36 months, with an interest rate of 12.49% and a 6.00% origination fee of $1,045 for an APR of 16.86%. In this example, the borrower will receive $16,369 and will make 36 monthly payments of $582. Loan amounts range from $1,000 to $60,000 and loan term lengths range from 24 months to 72 months. Some amounts, rates, and term lengths may be unavailable in certain states.

For Personal Loans, APR ranges from 7.90% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of Apr 22, 2025 and are subject to change without notice.

Loans are made by LendingClub Bank, N.A., Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of this platform, which is an unrelated third party (“third party”), and is not responsible for any products and services provided by this third party. Credit eligibility is not guaranteed. Loans are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that your request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures. “LendingClub” and the “LC” symbol are trademarks of LendingClub Bank.

(62 reviews)

95%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	7.99 - 35.99%
Term	24 - 60 mo
Loan amount	$5,000 - $40,000
Est. monthly payment	$226 - $1,445

Loan details

Customize Your Payment
90% of loans are funded within 1 day^§
No pre-payment penalties
A+ BBB Rating
100% US Based Customer Service

Lender disclosure

All loans are subject to eligibility criteria and review of creditworthiness and history. Terms and conditions apply. All loans advertised are unsecured personal loans issued by FinWise Bank, a Utah chartered commercial bank, member FDIC, as creditor, on the Reach Financial platform. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, and the loan term you select. Fixed Annual Percentage Rates (APR) range from 14.30% to 35.99%. You could receive a loan of $10,000 with an interest rate of 13.65%, an origination fee of $400, for an APR of 15.49%, which would result in total payment of $13,852 with 60 monthly payments of $230.87. Total approved loan amount reflects origination fee, which ranges from 4% to 8%.

^Â§Within 24 hours of your loan approval, loan proceeds will be available to pay the creditors named on your Truth-In-Lending Disclosure.

(35 reviews)

90%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	6.99 - 26.99%
Term	24 - 60 mo
Loan amount	$15,000 - $50,000
Est. monthly payment	$672 - $1,526

Loan details

Fixed-rate loans from $5,000 to $50,000. APRs from 8.99% to 29.99%
Interest rate discounts possible with a co-borrower, direct payment of creditors, or sufficient retirement assets*
Loan terms of 2, 3, 4, or 5 years
If approved, funds sent within 24-72* hours. Loan consultants available via phone at (888) 494-6066.

Lender disclosure

*Personal loans available through Achieve Personal Loans (NMLS ID #227977) are originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 29.99% and include applicable origination fees that vary from 1.99% to 8.99%. Repayment periods range from 24 to 60 months. Example loan: four-year, $20,000 loan with an origination fee of 8.99%, a rate of 15.49%, and corresponding APR of 20.77%, would have an estimated monthly payment of $561.60 and a total cost of $26,966.26. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Loan Consultants for Achieve Personal Loans are available Monday-Friday 6 AM to 8 PM AZ time, and Saturday-Sunday 7 AM to 5 PM AZ time.

Not all applicants will qualify for interest rate savings or receive the maximum savings percentage. Average interest savings for personal loans range from 0% to 4% based on closed loans that qualified for one or more of our rate savings in 2024. Offered interest rate savings are not guaranteed, will vary based on several factors, and are subject to credit approval and other conditions. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly; and/or showing proof of qualifying retirement savings, could help some customers qualify for lower rates. To be considered for any savings option, customers must apply for and submit a new Achieve personal loan application, meet one or up to all three of the savings options, and meet our underwriting criteria. Any savings will be reflected in the offer and will fall within our standard range of rates. Applicants with excellent credit who qualify for the lowest rate may not be eligible for additional interest rate savings. Advertised savings rates are subject to change without notice. Funding time periods are estimates and can vary for each loan request.

(58 reviews)

83%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	8.69 - 24.99%
Term	60 - 120 mo
Loan amount	$20,000 - $250,000
Est. monthly payment	$412 - $5,686

Loan details

Maximum loan terms up to 10 years¹,² - Long loan terms can provide low monthly payments and more cash in your pocket.
Competitive, fixed rates - Keep your monthly payment consistent so you can plan ahead.
No impact on personal credit to apply³
An easier application process - Submit your request with minimal paperwork.
Approval in as little as 24 hours⁴ - A quick, hassle-free loan process means you can stay focused on what matters most.
Funds in as few as 5 days⁴ - No waiting for months on end for the funding you need.
No personal collateral required - Get funded without leveraging your personal assets.
Dedicated concierge service - Speak to highly trained loan specialists who are available around your busy schedule.
Simplified finances - Take advantage of affordable, extended-term¹ financing to pay down your debt and turn multiple bills into a single loan.
20+ years of lending experience - We understand your unique needs and will provide you with a fully tailored financial solution.

Lender disclosure

Not all solutions, loan amounts, rates or terms are available in all states.

¹Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant's credit profile.

²For example, if you request a $60,000 unsecured loan with an 84-month term and a 17.06% APR (which includes a 15.99% yearly interest rate and a 3% one-time origination fee), you would receive $58,200 and would have a required monthly payment of $1,191.38. Rates and terms are for illustrative purposes only and may vary based on creditworthiness and other factors. The APR includes the origination fee. Not all applicants will qualify for the lowest rate. Loan terms and availability are subject to change without notice. Loan amount may vary based upon request amount and cash to you.

³There is no impact on your credit for applying. For personal loans, a complete credit history, which will appear as an inquiry on your credit report, will be performed upon acceptance and funding of the loan and may impact your credit.

⁴This is not a guaranteed offer of credit and is subject to credit approval.

No application fees, commitment, or impact on personal credit to estimate your payment.

Personal loans funded by Pinnacle Bank, a Tennessee Bank or County Bank. Equal Housing Lenders.

For California Residents: BHG Financial loans made or arranged pursuant to a California Financing Law license - Number 603G493.

Advertised rates are subject to change without notice.

The APR and other loan terms presented are estimates only and not guaranteed.

Testimonial(s) based on unique customer experience. Individual customer experiences may vary.

Google Play and the Google Play logo are trademarks of Google LLC.

Apple Store and the App Store logo are registered trademarks of Apple Inc.

(45 reviews)

98%

would recommend

See offers

Recommended FICO^® Score^Θ

Good - Exceptional

Est. APR	10.24 - 26.39%
Term	24 - 72 mo
Loan amount	$3,000 - $50,000
Est. monthly payment	$139 - $1,390

Loan details

APR: 10.24% - 26.39% for Personal Loans from $5,000 to $50,000^†
Put your debt in its place with a personal loan
No impact to your credit score for checking rates through Splash¹
Funding in as little as one business day for eligible applicants²
Apply to consolidate your debt with a personal loan and make one monthly payment.

Lender disclosure

Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are subject to change at any point prior to application submission. The information you provide is an inquiry to determine whether Splash’s lending partners can make you a loan offer. Rates offered through this link are specific to this website. Offers through the Splash website may include different offers from lending partners, that may include higher rates. This information is current as of December 18, 2025.

^†This is not a commitment to lend and the presented loan terms and Annual Percentage Rate (APR) are not guaranteed. Splash is a loan marketplace. If you submit a loan application you may receive offers from multiple lending partners. There is no fee or penalty for repaying a loan early. Personal loans have an origination fee of 3-29-7.99%, which may be deducted from the loan proceeds. Lowest rates are reserved for the highest qualified borrowers. Lowest rates may require autopay and may require paying off a portion of existing debt directly. The autopay reduction will not be applied if autopay is not in effect. Not all rates and amounts available in all states. Not all applicants will qualify for the full amount. Residents of Massachusetts have a minimum loan amount of $6,000; New Mexico and Ohio, $5,000; residents of Georgia have a minimum loan amount of $3,001.

To qualify, a borrower must be a U.S. citizen or other eligible status and meet lender underwriting requirements. Splash does not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, creditworthiness, income and other factors.

¹To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

²Once you have successfully completed the loan application process, it typically takes one to two business days to receive funds. However, funding may take up to two weeks.

Loans feature repayment terms of 36 to 72 months depending on the lender and your qualifications. For example, if you are approved for a $10,000 loan with a 60-month term and a fixed APR of 13.83% (which includes a 11.56% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a monthly payment of $220.23.

(40 reviews)

97%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	8.47 - 33.64%
Term	36 - 60 mo
Loan amount	$1,000 - $50,000
Est. monthly payment	$32 - $1,731

Loan details

Affordable loans from $1,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties
Quick online application -- get pre-approved in just minutes
Checking your rate won't impact your credit score
Review multiple loan options so you can pick the amount and term that fits your budget and timeline
With automatic payments and a customizable due date, managing your personal loan through Upgrade is easy and will give you a clear payoff date

Lender disclosure

Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99% and a 5.25%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Repayment terms from 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR and other terms of your loan may vary and you may not be presented with multiple offers. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors. Late payments or other fees, as noted in your Borrower Agreement, may increase the cost of your fixed rate loan. Certain loan offers may not be available in all states.

(995 reviews)

94%

would recommend

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Recommended FICO^® Score^Θ

Poor - Exceptional

Est. APR	18.00 - 35.99%
Term	36 - 60 mo
Loan amount	$1,500 - $20,000
Est. monthly payment	$54 - $723

Loan details

BBB Accredited Business, Rated Excellent on Trustpilot (100,000+ 5-star reviews)
100+ years responsible lending
Affordable, simple fixed terms, no prepayment penalty
Complete our online application in minutes
Money as fast as 1 hour after loan closing (see details below)
We’re here online or in person at over 1,300 community branches nationwide

Lender disclosure

You must complete a loan application and continue to meet any criteria used to select you for a loan offer. Not all applicants are approved. Loan approval and actual loan terms depend on applicant’s state of residence and ability to meet OneMain Financial credit standards such as a responsible credit history, sufficient income after monthly expenses, and if applicable, availability of eligible collateral. Not all approved applicants qualify for larger loan amounts, lower APRs, or the most favorable loan terms. For example, larger loan amounts typically require a first lien on a motor vehicle that is no more than ten years old, meets our value requirements, and is titled in applicant’s name with valid insurance. APRs are generally higher on loans not secured by a vehicle. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07. OneMain charges origination fees allowed by law. Depending on the state where the loan is opened, the origination fee may be either a flat amount or a percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state, ranging from 1% to 10% of the loan amount subject to certain state limits on the fee amount. For information about these fees and minimum and maximum loan sizes available in certain states, visit omf.com/loanfees. Current OneMain Customers: Loan offers presented to a consumer assume the individual has no active loan with OneMain or one of its affiliates. If a customer applies for a new loan offer, a OneMain representative will discuss available options. Active-duty military, their spouse or dependents covered by the Military Lending Act (MLA) may not pledge any vehicle as collateral. If you are covered by the MLA, you are not eligible for secured loans. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes. Time to Fund Loans: Funding within one hour after loan closing through SpeedFunds® must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after closing.

^ΘCredit score calculated based on FICO^® Score 8 model. Your lender or insurer may use a different FICO^® Score than FICO^® Score 8, or another type of credit score altogether. Learn more.

Advertiser Disclosure: The offers that appear on this site are from third party companies that may compensate Experian Consumer Services when consumers engage with them, for example, by clicking an offer link, when an application is approved, or when an account is opened. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

^†Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

With excellent credit you could save up to $2,050* with a low, fixed-rate personal loan

	High-interest credit card	Personal loan with excellent credit
Balance	$11,700	$11,700
Monthly payment	$293 for 60 months	$259 for 60 months
Average interest rate	17.40%	11.81%
Total paid with interest	$17,598	$15,548
*Estimated interest savings: $2,050

Experian can help find the right excellent credit personal loan for you

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Check your loan options for free—it won’t hurt your credit scores.

Save on fees

Get matched to lenders that offer no application fees and no prepayment penalties. Look for these labels on your matched loan offers.

Great rates

With excellent credit, we can help you get your best rates and terms for the loan you’re looking for.

Get cash fast at competitive rates

Compare rates across multiple lenders and get your loan fast—with same-day funding available.

Get prequalified

Find out how much you can borrow before you apply. Getting prequalified helps you better compare options.

Loans from $1,000 to $250,000

From small loans to funding a big project that fits your budget and needs. Experian has you covered.

Why trust Experian for personal loans with excellent credit?

Shop trusted lenders all in one place

Experian works with reputable lenders to provide consumers with the best options.

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Experian offers loan options tailored to your credit profile that could improve your chances for approval.

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How to get pre-qualified

Answer a few qualifying questions and get matched to your loans offers.^⍉

Determine how much you’ll need, then look for a loan that fits your budget.

Monitor your FICO^® Score progress as you make payments on your personal loan.

See your loan offers

Personal loan calculator

Frequently asked questions

Depending on the scoring model used, an excellent credit score can vary. For a FICO^® Score, a credit score of 800+ is considered excellent. For VantageScore^® credit scores, a score of above 780 is considered excellent.

Many lenders offer same-day or next-business-day funding for borrowers with excellent credit. If your loan is approved earlier in the business day and you choose to receive your funds via a debit card, you have a higher chance of receiving funding within the same day.

Borrowers with excellent credit will have better chances of receiving higher loan amounts, but lenders will also take income, credit utilization and debt-to-income ratio (DTI) into consideration when seeing how much you will be approved for.

Also, just because you have been approved for a certain amount does not mean you have to accept that amount. You can use our personal loan calculator above to help you calculate your loan’s payment. After doing this, you can check to see if the loan will fit your budget and that you can afford making the payments.

Personal loans are very versatile and can be used for just about anything. Common uses for personal loans are debt consolidation, emergency expenses or large purchases that are a necessity. Some instances where you should not or cannot use a personal loan are for paying college tuition, making a down payment on a home or using the funds for business expenses.

Yes, you can get prequalified for a personal loan by submitting the relevant personal, income and loan information to our marketplace. After submitting this information, lenders will run a soft inquiry on your credit to see how much you can potentially borrow as well as an interest rate you might qualify for. Since this is a soft inquiry, it will not have any impact on your credit scores.

Prequalification is not a guaranteed approval for a loan, but it is a promising sign that your chances of approval are high.

The process of getting prequalified for a personal loan will not have any impact on your credit score as it only triggers a soft inquiry. However, if you do decide to submit a loan application, this will trigger a hard inquiry that could cause a small, temporary decline in your credit score. If you are approved, it is possible your credit score could drop a few more points as the new credit line will decrease the average age of your accounts. However, if you can properly manage your personal loan, there are several ways in which it can help your credit, such as: lowering your credit utilization rate, adding to your positive payment history and possibly increasing your credit mix.

Personal loans for excellent credit

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Best for large amounts

Best personal loan for excellent credit

Best for small amounts

Best for debt consolidation

With excellent credit you could save up to $2,050* with a low, fixed-rate personal loan

Experian can help find the right excellent credit personal loan for you

It’s free

Save on fees

Great rates

Get cash fast at competitive rates

Get prequalified

Loans from $1,000 to $250,000

Why trust Experian for personal loans with excellent credit?

Shop trusted lenders all in one place

Our model

Security

How to get pre-qualified

Personal loan calculator

Frequently asked questions