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: Sep 2026 Shortlist. Rankings prioritize fit and transparent terms for your range.
Upgrade
Soft rate check before a hard application
- APR / premium
- APR varies by profile · origination fee may apply
- Credit
- Fair (580–669)
8.5 out of 10
Approval: Medium
Avant
Installment path for fair and nonprime files
- APR / premium
- APR and fees vary · confirm total cost on the quote
- Credit
- Fair (580–669)
8.0 out of 10
Approval: Medium
Upstart
Credit data plus work and education history
- APR / premium
- APR varies · confirm fee and partner terms
- Credit
- Varies; a soft estimate is not approval
7.6 out of 10
Approval: Medium
| Product | Best for | APR / premium | Credit | Rating | Actions |
|---|---|---|---|---|---|
| Upgrade | Soft rate check before a hard application | APR varies by profile · origination fee may apply | Fair (580–669) | 8.5 out of 10 Approval: Medium | Apply now |
| Avant | Installment path for fair and nonprime files | APR and fees vary · confirm total cost on the quote | Fair (580–669) | 8.0 out of 10 Approval: Medium | Apply now |
| Upstart | Credit data plus work and education history | APR varies · confirm fee and partner terms | Varies; a soft estimate is not approval | 7.6 out of 10 Approval: Medium | Apply now |