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Personal Loans for Excellent Credit

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We teamed up with Rocket Mortgage to help you get house-hunting sooner. Answer a few questions and an agent will reach out to discuss your options.

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What kind of loan are you interested in?

What to expect

Tell us what you need and a representative from Rocket Mortgage will give you a call. You’ll have support at every step.

What kind of property do you want to purchase? What kind of property do you own?

Why we’re asking

Rocket Mortgage® can provide a more accurate rate estimate if they know what kind of property you’re interested in.

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How do you use your property? How would you use this property?

Why we’re asking

Having a little more information upfront helps Rocket Mortgage® provide a personalized rate faster.

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When are you planning to buy?

Still House Hunting?

Hope you find your dream home soon! In the meantime, it’s never too early to know your rate.

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Are you a first-time home buyer?

It’s all good:

Whether it’s your first – or second property – Rocket Mortgage® can provide you with a rate estimate.

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Do you have a second mortgage?

It’s all good

If you have a second mortgage, it’s no problem. Letting us know helps to customize your rate.

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What is your credit score?

Don’t know your score?

Don’t sweat it! Make your best guess. Credit scores range from 300 (low) to 850 (excellent).

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Tell us a bit more about you

What happens next?

A representative from Rocket Mortgage® will be in touch to discuss your commitment-free, personalized rate. Then you can decide whether you’d like to lock it in!

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Credit is built around the concept of someone offering you something – like a good, a service or an asset – and expecting you to pay for it later.

When it comes to types of credit (like personal loans), it’s kind of like a big I-O-U, except you aren’t making a deal with your buddy or a family member.

Who is FICO®: Why it matters

You can qualify for excellent personal loan terms if you have a high credit score.

Different lenders have different scoring requirements, but a great FICO® score usually ranges from 680 to 850.

For the uninitiated, FICO® (Fair Isaac Corporation) is a data analytics company that provides credit scoring services. Think of them as judgmental relatives, except their judgment is based on stone-cold data and insights gathered from the stuff you buy.

You probably know this anyway, but it’s worth a reminder.

You’ve carefully built your credit score over the years, establishing a solid history of paying your bills on time. And the three national credit bureaus (Experian™, Transunion® and Equifax®) have determined that you are a good credit risk.

This puts you in a fantastic position to apply for the best personal loans that are only available to those with excellent credit.

Need Cash?

Applying for a personal loan has never been easier. Get the cash you need with competitive terms from Rocket LoansSM.

Checking your options won’t affect your credit score.

What Perks Can I Get From a Personal Loan With Excellent Credit?

Depending on the lender, if you have excellent credit, you may receive the following benefits:

  • Unemployment forbearance: a lender will allow you to pause payments temporarily while you look for a new job
  • Fee waivers: certain lenders will waive or reduce origination fees (fees taken out when you apply for a loan)
  • Lower interest rates: the better your credit score, the more likely it is you will be offered lower interest rates

Personal Loans for Excellent Credit: A Table of Lenders

MoneyTips scoured the net to find a representative range of lenders who approve borrowers with excellent credit. This isn’t an exhaustive list – and we’re not making recommendations.

We just want to give you an idea of what’s out there.

LenderBest for:Est. APR:Min. Credit Requirement:Term Length:
Discover®Debt Consolidation6.99% APR to 24.99% APR7203 – 7 years
SoFiMember perks (unemployment protection)Starts at 5.99% APR6802 – 7 years
Regions BankUnsecured and secured loans, deposit secured and secured installments4.74% APR to 16.49% APR6701 – 5 years
LightstreamCompetitive rates4.49% APR to 20.49% APR6602 – 7 years
MarcusDebt Consolidation, no fees6.99% APR to 19.99% APR. Reduce your APR by 0.25% with AutoPay6603 – 6 years
Payoff®Debt Consolidation5.99% APR to 24.99% APR6402 – 5 years
ProsperPayment date flexibility5.99% APR to 35.97% APR6403 – 5 years

Don’t worry, there are options out there for those who don’t have top-tier credit scores. It’s worth researching the lenders that will work with you if you fall into that category.

Pick the Right Personal Loan for You: Your Choice

At the end of the day, you are in charge of your financial journey. And if you have excellent credit, the world is your oyster.

Just don’t be shellfish (see what we did there?). 🦀  Pay for your round of drinks when it’s your turn, moneybags.

See What You Prequalify For

Get prequalified offers for personal loans from Rocket LoansSM within seconds. Like what you see? Same-day funding is available.

Checking your options won’t affect your credit score.

The Short Version

  • The higher your credit score, the better the personal loan terms you can expect
  • You’ll get the best rates if your credit score ranges from 680 to 850
  • Some lenders offer extra perks that can help protect your finances (ding!)
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