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Best Personal Loans for 680 Credit Score (2026)
A 680 credit score puts you in the Good Credit range — you'll qualify for most major lenders with competitive rates. Here are the best personal loan options for a 680 credit score.
Best Personal Loans for 680 Credit Score
SoFi
Top PickWhy we recommend it: No fees, unemployment protection, and up to $100,000. At 680, you're solidly in SoFi's approval range for competitive rates.
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Marcus by Goldman Sachs
Strong MatchWhy we recommend it: No fees, competitive rates, and backed by Goldman Sachs. 680 is a strong score for Marcus — expect rates in the 10%–16% range.
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LightStream
Good MatchWhy we recommend it: Best rates for good credit borrowers. 680 may qualify for their lower rate tiers, especially for debt consolidation or home improvement.
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Frequently Asked Questions
Is 680 a good credit score for a personal loan?
Yes. A 680 score is in the Good Credit range and qualifies you for most major lenders including SoFi, Marcus, and LightStream. Rates typically range from 7%–18%.
What's the best personal loan for debt consolidation at 680?
Marcus by Goldman Sachs and Happy Money are both excellent for debt consolidation at 680. Marcus offers no fees and competitive rates. Happy Money specializes in credit card consolidation. Compare both for your specific loan amount.
How much can I borrow with a 680 credit score?
With a 680 score and adequate income, you can borrow up to $100,000 with SoFi or LightStream. Most borrowers at 680 qualify for $10,000–$50,000 depending on their income and existing debt.