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Best Personal Loans for 700 Credit Score (2026)
A 700 credit score is solidly in the Good Credit range. You'll qualify for all major personal loan lenders with competitive rates. Here are the best options for a 700 credit score.
Best Personal Loans for 700 Credit Score
SoFi
Top PickWhy we recommend it: No fees, up to $100K, and unemployment protection. 700 is a strong score for SoFi's best rate tiers.
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LightStream
Strong MatchWhy we recommend it: LightStream offers some of the lowest rates in the industry. 700 qualifies for their competitive tiers, especially for home improvement and auto loans.
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Marcus by Goldman Sachs
Good MatchWhy we recommend it: No fees, no prepayment penalty, and competitive rates. 700 is a strong score for Marcus.
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Frequently Asked Questions
Is 700 a good credit score for a personal loan?
Yes. A 700 score qualifies you for all major personal loan lenders with competitive rates. You're above the threshold for lenders like LightStream that offer their best rates to 700+ borrowers.
What APR can I expect with a 700 credit score?
With a 700 score, expect APRs of 8%–16% from major lenders. LightStream and Marcus offer rates starting around 6.99%–8.99% for well-qualified 700+ borrowers with low DTI.
LightStream vs. SoFi for a 700 credit score — which is better?
LightStream typically offers lower rates but requires good credit history and no recent delinquencies. SoFi offers larger amounts (up to $100K) and unemployment protection. If rate is your priority, check LightStream first. If you need a large amount or value the extra benefits, go with SoFi.