Loan Companies Like SoFi, Prosper, FreedomPlus, LaurelRoad

Last Update: September 25, 2023 Loan Reviews Loans

The lending market provides you with abundant options with a good credit score. However, options also present opportunities. For example, with many lenders competing for your business, you shouldn’t settle for a good personal loan. Instead, look to find a great one.

Our review includes some of the best personal loans for good credit to aid your search. Most lenders mandate a credit score of at least 650, and annual percentage rates (APRs) are as low as 2.49%. Moreover, since applying doesn’t hurt your credit score, it’s wise to shop around and see which lender will offer the best terms.

Furthermore, our marketplace can help you obtain the best good credit personal loan in the shortest amount of time. With a few clicks, you can browse dozens of lenders willing to help.

The Best Personal Loans For Good Credit

Since high-end APRs are for borrowers with bad credit, applicants with good credit should obtain APRs in the 5% to 10% range. Moreover, alternative factors like your income, savings, spending habits, education, and rent history can also tilt the scale in your favor.

As a result, we hope that our reviews will make your search a little easier.

Lender:Loan Amount:APR:Min. Credit Score:Best For:
SoFi$5,000 – $100,0005.74% – 20.28%680No-fee personal loans
Prosper$2,000 – $40,0007.95% – 35.99%640Obtaining multiple personal loans
Laurel Road $5,000 – $45,0007.00% – 24.75%660 – 700Debt consolidation
Happy Money$5,000 – $40,0005.99% – 24.99%550A stable credit history
FreedomPlus$7,500 – $50,0007.99% – 29.99%620Debt consolidation
Marcus by Goldman Sachs$3,500 – $40,0006.99% – 19.99%660No-fee personal loans
Discover$2,500 – $35,0005.99% – 24.99%660Debt consolidation
LightStream$5,000 – $100,0002.49% – 19.99%660Strong credit profiles
Wells Fargo$3,000 – $100,0005.74% – 19.99%660Wells Fargo customers
PNC Bank$1,000 – $35,0005.99% – 35.99%660Online and in-person service
Pentagon Federal Credit Union$600 – $50,0004.99% – 17.99%650High DTI ratios
TD Bank$2,000 – $50,0006.99% – 18.99%700Good to excellent credit scores
TransformCredit$3,000 – $7,000Up to 35.99%750Borrowers with cosigners


Loan Amount:$5,000 – $100,000
APR:5.74% – 20.28%
Min. Credit Score:680
Approval:1 – 7 Days
Terms:2 – 7 Years
  • There are no loan origination fees
  • There are no late payment fees
  • There are no closing fees
  • There are no prepayment fees
Qualification Criteria:
  • Be at least 18 years of age
  • Have a credit score of at least 680.
  • Be employed, have an employment offer that starts in 60 days, or have recurring income from other sources.
  • Fill out your information through SoFi’s online portal
Average Borrower Profile:
  • Has a FICO Score of 753
  • Has gross income of $151,144
  • Has free cash flow of $5,696 per month
  • Borrows $31,634
  • Excellent credit scores incur an APR of 6.59%
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