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Best Personal Loans for 720 Credit Score (2026)
A 720 credit score puts you near the top of the Good Credit range. You'll qualify for the best rates from most major lenders. Here are the top personal loan options for a 720 credit score.
Best Personal Loans for 720 Credit Score
LightStream
Top PickWhy we recommend it: 720 unlocks LightStream's best rate tiers. No fees, no prepayment penalty, and same-day funding available.
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SoFi
Strong MatchWhy we recommend it: No fees, up to $100K, career coaching, and unemployment protection. 720 qualifies for SoFi's competitive rates.
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Discover Personal Loans
Good MatchWhy we recommend it: Trusted brand with competitive rates for 720+ borrowers. No origination fee and flexible repayment terms.
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Frequently Asked Questions
What personal loan rate can I get with a 720 credit score?
With a 720 score, expect APRs of 6.99%–14% from top lenders. LightStream offers rates starting at 6.99% for well-qualified borrowers. Your exact rate depends on loan amount, term, and income.
Is 720 good enough for LightStream?
Yes. LightStream accepts 660+ scores, and 720 is well above their minimum. You'll qualify for their competitive rate tiers. LightStream is known for the lowest rates in the personal loan market for good-credit borrowers.
Should I use a personal loan or 0% APR credit card at 720?
With a 720 score, you may qualify for 0% APR balance transfer cards (15–21 months). If you can pay off the debt within the intro period, a 0% card beats any personal loan rate. For longer repayment timelines or larger amounts, a personal loan at 7%–10% is the better choice.