Personal loan options for 740+ (excellent credit)
Push for the lowest published APRs and shortest comfortable terms. Confirm prepayment terms before locking in.
Recommended path
Decision checklist for this range
- Confirm whether the loan is fixed-rate and whether prepayment penalties apply.
- Compare on total cost — origination fee + APR + term — not just monthly payment.
- Use prequalification flows that are soft-pull where available.
Top picks for this score band
Snapshot from Best Personal Loans for Fair Credit. Rankings prioritize fit and transparent terms for your range.
Upgrade Personal Loans
Debt consolidation
- APR / premium
- Published APR ranges · origination varies
- Credit
- Fair (580+ typical)
8.5 out of 10
Approval: Medium
Avant Personal Loans
Smaller loan amounts
- APR / premium
- Published APR ranges
- Credit
- Fair
8.0 out of 10
Approval: Medium
Upstart Personal Loans
Fast funding
- APR / premium
- Published APR ranges · origination may apply
- Credit
- Fair
7.6 out of 10
Approval: Medium
LendingClub Personal Loans
Fixed-rate consolidation
- APR / premium
- Published APR ranges
- Credit
- Fair+
8.2 out of 10
Approval: Medium
OneMain Financial
Co-borrower option
- APR / premium
- Published APR ranges
- Credit
- Fair
7.4 out of 10
Approval: Medium
| Product | Best for | APR / premium | Credit | Rating | Actions |
|---|---|---|---|---|---|
| Upgrade Personal Loans | Debt consolidation | Published APR ranges · origination varies | Fair (580+ typical) | 8.5 out of 10 Approval: Medium | Apply now |
| Avant Personal Loans | Smaller loan amounts | Published APR ranges | Fair | 8.0 out of 10 Approval: Medium | Apply now |
| Upstart Personal Loans | Fast funding | Published APR ranges · origination may apply | Fair | 7.6 out of 10 Approval: Medium | Apply now |
| LendingClub Personal Loans | Fixed-rate consolidation | Published APR ranges | Fair+ | 8.2 out of 10 Approval: Medium | Apply now |
| OneMain Financial | Co-borrower option | Published APR ranges | Fair | 7.4 out of 10 Approval: Medium | Apply now |