Best Personal Loan Rates for Good Credit 2020

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

We highly recommend to start with SuperMoney and Credible. 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 cheaper loan than their!

You won’t receive any spam from them!

They don’t get percentage from your loan. If you get loan via them, they only get 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 2020!

1890 Reviews
Amount

$2,000 - $40,000

Min Credit Score

640

APR

7.95% – 35.99%

Approval

1 - 3 Days

Terms

36 - 60 months

Get started

Chosen 12269 times

Customer type:
All
Borrow up to:
40,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 1890 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service
2690 Reviews
Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Get started

Chosen 25087 times

Customer type:
All
Borrow up to:
35,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 2690 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service

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 to qualify, you need to have some form of recurring income. It can be full-time employment, self-employment, regular disability or Social Security benefits. Keep in mind though, 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.
  • 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
2089 Reviews
Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Get started

Chosen 20903 times

Co Signer Loan
More Information
Customer type:
All
Borrow up to:
35,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 2089 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service

Offering loans to borrowers of all credit scores, SignatureLoan provides reliable financing in as little as five minutes. Loans range from $1,000 to $35,000, but large amounts are usually only accessible to those with high credit scores. Its APRs range from 5.99% to 35.99%, but loans are not available to residents in the state of Maine. As well, you must have a minimum monthly income of $1,100 to qualify. The application process is quick and easy, and through its e-signature feature, you can even receive funding without mailing in any physical paperwork.

Pros:
  • Low credit score requirements of 0.
  • Bad credit is ok.
  • Highest amount allowed is $35,000.
Cons:
  • People with really bad credit can’t apply.
  • Risk to lose your partnership.
Best for Co-signer Loans
3000 Reviews
Amount

$1,000 - $35,000

Min Credit Score

600

APR

7.99% - 35.97%

Approval

< 1 Day

Terms

3 - 5 Years

Get started

Chosen 21000 times

Customer type:
All
Borrow up to:
35,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 3000 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service
Upgrade Disclaimer:

Personal loans made through Upgrade feature APRs of 7.99% - 35.97%. All personal loans have a 1.5% to 6% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. 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. Personal loans issued by Upgrade's lending partners. 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 2020 >>
1650 Reviews
Amount

$5,000 – $40,000

Min Credit Score

640

APR

5.99% – 24.99%

Approval

1 – 7 Days

Terms

24 - 60 months

Get started

Chosen 21500 times

3700 Reviews
Amount

$1,000 - $100,000

Min Credit Score 0

but 620 is Recommended

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Get started

Chosen 37100 times

Loan Comparison Site
More Information
Customer type:
All
Borrow up to:
100,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 3700 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service

There are plenty of services in the marketplace, however, 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 different. Instead of getting your personal details and sending is to list of their lenders, like other companies do, SuperMoney will ask you to complete their form one time and directly list you offers that are available to you. There is a big difference because you directly get personalized offers based on your financial situation and your personal information is not send to 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.

1185 Reviews
Amount

$2,000 - $25,000

Min Credit Score

585

APR

9.99% - 35.99%

Approval

1 - 3 Days

Terms

24 - 48 months

Customer type:
All
Borrow up to:
25,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 2540 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service

LendingPoint has APRs that range from 9.99% to 35.99% and the company offers unsecured loans that range from $2,000 to $25,000. But, to qualify, you must have an annual income of at least $20,000 and a minimum credit score of 585. You can choose between bi-weekly or monthly repayment, and the company looks at factors other than just your credit score to determine whether or not you qualify: factors like your credit history, employment status and credit card debt, Keep in mind though, loans are not available to residents in Colorado, Nevada, Maine, Maryland, Massachusetts, Connecticut, Wyoming, Wisconsin, Vermont, New York or West Virginia.

2672 Reviews
Amount

$7,500 - $40,000

Min Credit Score

620

APR

7.99% - 29.99%

Approval

1 - 7 Days

Terms

24 - 60 months

Get started

Chosen 24899 times

Customer type:
All
Borrow up to:
40,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 2672 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service
1472 Reviews
Amount

$2,000 - $50,000

Min Credit Score

640

APR

5.99% - 29.99%

Approval

1 Day

Terms

36 - 60 months

Get started

Chosen 11059 times

Customer type:
All
Borrow up to:
50,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 1472 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service
1226 Reviews
Amount

$3,500 - $40,000

Min Credit Score

680

APR

6.99% - 19.99%

Approval

1 - 4 Days

Terms

36 - 72 months

Get started

Chosen 10523 times

Customer type:
All
Borrow up to:
40,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 1226 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service
1226 Reviews
Amount

$5,000 - $100,000

Min Credit Score

660

APR

3.49% - 20.49%

Approval

1 - 7 Days

Terms

24 - 84 months

Get started

Chosen 10523 times

Customer type:
All
Borrow up to:
100,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 1226 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service
3770 Reviews
Amount

$2,500 - $35,000

Min Credit Score 660 APR

6.99% - 24.99%

Approval

1 - 7 Days

Terms

36 - 84 months

Get started

Chosen 34899 times

Customer type:
All
Borrow up to:
35,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 3770 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service
2059 Reviews
Amount

$5,000 - $45,000

Min Credit Score

660

APR

7.75% – 25%

Approval

1 - 7 Days

Terms

36 - 60 months

Get started

Chosen 14123 times

Customer type:
All
Borrow up to:
45,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 2059 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service
2891 Reviews
Amount

$5,000 - $100,000

Min Credit Score

680

APR

5.99% - 18.53%

Approval

1 - 7 Days

Terms

24 - 84 months

Get started

Chosen 19761 times

Customer type:
All
Borrow up to:
100,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 2891 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service
1245 Reviews
Amount

$1,000 - $40,000

Min Credit Score

600

APR

10.68% - 35.89%

Approval

1 - 4 Days

Terms

36 - 60 months

2901 Reviews
Amount

$1,000 – $100,000

Min Credit Score 0

but 620 is Recommended

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Get started

Chosen 20431 times

Loan Comparison Site
More Information
Customer type:
All
Borrow up to:
100,000 $
Low credit score:

Weekend payout:

Credit check:
Soft
Age:
18
From 2901 Reviews
Interest Costs
Flexibility Terms
Website Functionality
Support Service

Offering a $200 credit if you find a better rate from another competitor, Credible has no hidden fees and offers pre-qualified rates in as little as two minutes. Loans range from $1,000 to $35,000, but if you have bad credit, you’ll likely qualify for $5,000 or less. Its APRs range from 5.34% to 35.99% and you can repay the funds in as little as 61 days to upwards of 10 years. Keep in mind though, Credible places a lot of emphasis on your debt-to-income ratio and you also need to show the lender you have steady income.

Pros:
  • Free to use and no hidden fees.
  • Fair APRs ranging from 5.34% to 35.99%.
  • Receive rates in as little as 2 minutes.
Cons:
  • Loan origination fees range from 0% to 8%.
  • Loan amounts on your debt-to-income ratio.
Best for: Unsecured Personal Loans