You have good credit. You deserve good rates and zero fees. Here are the lenders that actually deliver on that promise.
(Based on 250+ real borrower experiences with good credit scores.)
Quick Answer:
With a credit score between 680-740, you'll qualify for most lenders but won't get the absolute rock-bottom rates. Marcus offers the most borrower-friendly features with zero fees and payment flexibility. SoFi is best if you need fast funding or large amounts. LightStream has the lowest rates if you're closer to 740.
Typical APR Range
Most borrowers with 680-740 scores get APRs in this range. Closer to 740 = closer to 10%.
Common Loan Amounts
You'll qualify for mid-sized loans. $100K+ loans usually require 740+ scores.
Fees (if you choose right)
With good credit, you should NEVER pay origination fees. Stick with zero-fee lenders.
| Lender | APR for Good Credit | Loan Amounts | Fees | Why Choose |
|---|---|---|---|---|
| Marcus by Goldman Sachs | 10%-16% | $3,500-$40,000 | None | Lowest fees, payment flexibility |
| SoFi | 10%-16% | $5,000-$100,000 | None | Fast funding, large loan amounts |
| LightStream | 10%-15% | $5,000-$100,000 | None | Best rates, Rate Beat program |
Typical APR for 680-740: 10%-16%
Best for: Highly competitive rates
Typical APR for 680-740: 10%-16%
Best for: Fast funding, large loans, unemployment protection
Typical APR for 680-740: 10%-15%
Best for: Low rates for good credit
Rates can vary by 5-10% between lenders for the same credit score. One borrower was offered 14% by SoFi and 8% by Marcus. Don't leave money on the table.
If you can pay off a credit card before applying, do it. A lower DTI (under 35%) can qualify you for better rates even with the same credit score.
If your spouse or partner has better credit, applying together can unlock better rates. Just make sure you both trust each other completely.
If you're close to 740, wait a month or two to cross that threshold. The jump from "good" to "very good" credit can save you 2-4% APR.
Check your rate with multiple lenders in minutes. Soft credit check only.