Best Personal Loan Rates for Good Credit of October 2021

ElitePersonalFinance
Last Update: August 10, 2021

If your credit score is good or excellent, you can find great loan offers! You can get up to $100,000 with an APR of 5% - 10%. ElitePersonalFinancehave found lenders with even cheaper rates of 3% - 5% for people with a perfect credit score. Online lenders, banks, and credit unions will compete for you.

We highly recommend starting with EvenFinancial and SuperMoney. These are the best loan comparison sites. Once you register with them, you will be matched with many online lenders, credit unions, and banks. In fact, they work with all big lenders in America. These sites can help you save time and find the best offer. Apply now and get offers in minutes! Credible even offer you $200 if you find a cheaper loan than theirs!

You won’t receive any spam from them!

They don’t get a percentage from your loan. If you get a loan via them, they only get a small percentage from the lender, not from you, which means that your loan wouldn’t become more expensive.

ElitePersonalFinance found the best personal loans for good credit 2021!

Amount:

$100 - $40,000

Min. Credit Score:

0

APR:

Vary

Approval:

< 1 Day

Terms:

1 – 60 Months

Amount:

$100 - $50,000

Min. Credit Score:

0

APR:

2.49% - 35.99%

Approval:

< 1 Day

Terms:

1 - 10 Years

Amount:

$1,000 - $250,000

Min. Credit Score:

550

APR:

2.49% - 35.99%

Approval:

< 1 Day

Terms:

2 - 7 Years

Amount:

$600 - $100,000

Min. Credit Score:

500

APR:

2.49% - 35.99%

Approval:

< 1 Day

Terms:

2 - 7 Years

3700 Reviews
Amount:

$1,000 - $100,000

Min. Credit Score: 0 620 is Recommended APR:

5.94% - 35.99%

Approval:

< 1 Day

Terms:

1 - 10 Years

Loan Comparison Site
More Information

There are plenty of services in the marketplace. SuperMoney is the best! This company works with thousands of loan companies, lenders, credit unions, and so on, so finding you a loan will be easy. And they work differently. Instead of getting your personal details and sending them to a list of their lenders, as other companies do, SuperMoney will ask you to complete their form one time and directly list the offers that are available to you. There is a big difference because you directly get personalized offers based on your financial situation. Your personal information is not sent to a list of lenders like other sites do. After that, you can pick the best for you. Click offer details below each, and you will find all of the information you need to know regarding APRs, repayment terms, and fees. Best of all, the service is completely free and requires no obligation.

3000 Reviews
Amount:

$1,000 - $50,000

Min. Credit Score:

600

APR:

5.94% - 35.97%

Approval:

< 1 Day

Terms:

3 - 5 Years

Lowest cost
More Information

Upgrade Disclaimer: Personal loans made through Upgrade feature APRs of 5.94%-35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Upgrade’s lending partners issue personal loans. Information on Upgrade’s lending partners can be found at https://www.upgrade.com/lending-partners/.

Upgrade is one of the best personal loans for fair and good credit. If your credit score is above bad, then try these loans:

Best Personal Loans for Fair Credit 2021 >>
2690 Reviews
Amount:

$1,000 - $35,000

Min. Credit Score:

580

APR:

5.99% - 35.99%

Approval:

< 1 Day

Terms:

3 - 72 Months

Lowest cost
More Information

PersonalLoans offers unsecured loans ranging from $1,000 to $35,000, and because the company only requires a minimum credit score of 580, PersonalLoans is a great place to obtain a bad credit loan. Its APRs range from 5.99% to 35.99%, but you need to have some form of recurring income to qualify. It can be full-time employment, self-employment, regular disability, or Social Security benefits. Loans are not available to residents in Arkansas, Georgia, or New York.

Pros:
  • Low credit score requirements of 580.
  • Low-income requirement of $1,000.
  • Bad credit is ok.
  • The highest amount allowed is $35,000.
  • Available in many states.
Cons:
  • People with really bad credit can’t apply.
  • You can’t have an account with a late payment for longer than 60 days or a recent bankruptcy.
  • You can’t have any recent charge-offs or late payments.
Best for: Bad Credit
1650 Reviews
Amount:

$5,000 - $40,000

Min. Credit Score:

640

APR:

5.99% - 24.99%

Approval:

1 - 7 Days

Terms:

2 - 5 Years

1890 Reviews
Amount:

$2,000 - $40,000

Min. Credit Score:

640

APR:

7.95% - 35.99%

Approval:

1 - 3 Days

Terms:

3 - 5 Years

1185 Reviews
Amount:

$2,000 - $36,500

Min. Credit Score:

585

APR:

9.99% - 35.99%

Approval:

1 - 3 Days

Terms:

2 - 5 Years

2672 Reviews
Amount:

$7,500 - $50,000

Min. Credit Score:

620

APR:

7.99% - 29.99%

Approval:

1 Day

Terms:

2 - 5 Years

1472 Reviews
Amount:

$2,000 - $50,000

Min. Credit Score:

600

APR:

5.99% - 29.99%

Approval:

1 - 4 Days

Terms:

3 - 5 Years

1226 Reviews
Amount:

$3,500 - $40,000

Min. Credit Score:

660

APR:

6.99% - 19.99%

Approval:

1 - 4 Days

Terms:

3 - 6 Years

1226 Reviews
Amount:

$5,000 - $100,000

Min. Credit Score:

660

APR:

2.49% - 19.99%

Approval:

1 - 7 Days

Terms:

2 - 7 Years

3770 Reviews
Amount:

$2,500 - $35,000

Min. Credit Score: 660 APR:

6.99% - 24.99%

Approval:

1 - 7 Days

Terms:

3 - 7 Years

2059 Reviews
Amount:

$1,000 - $45,000

Min. Credit Score:

660

APR:

7.5% - 24.75%

Approval:

1 - 7 Days

Terms:

3 - 5 Years

2891 Reviews
Amount:

$5,000 - $100,000

Min. Credit Score:

680

APR:

5.99% - 18.85%

Approval:

1 - 7 Days

Terms:

2 - 7 Years

1245 Reviews
Amount:

$1,000 - $40,000

Min. Credit Score:

600

APR:

8.05% - 35.89%

Approval:

1 - 4 Days

Terms:

3 - 5 Years