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Best Personal Loans for 760 Credit Score (2026)
A 760 credit score is excellent — you'll receive the best personal loan rates from all major lenders. Here are the top options for a 760 credit score.
Best Personal Loans for 760 Credit Score
LightStream
Top PickWhy we recommend it: 760 qualifies for LightStream's absolute best rates. No fees, no prepayment penalty, same-day funding.
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SoFi
Strong MatchWhy we recommend it: No fees, up to $100K, and member benefits including career coaching and unemployment protection.
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Marcus by Goldman Sachs
Good MatchWhy we recommend it: Competitive rates with zero fees. 760 qualifies for Marcus's best rate tiers.
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Frequently Asked Questions
Is 760 a good credit score for a personal loan?
Yes. A 760 score is in the Very Good range and qualifies you for the best rates from all major lenders. You're in the top 30% of borrowers and will receive near-prime rates.
What personal loan rate can I expect with a 760 credit score?
With a 760 score, expect APRs of 6.99%–11% from top lenders. LightStream's rates start at 6.99% and SoFi starts at 8.99%. Your actual rate depends on loan amount, term, and income.
Should I use a personal loan or home equity for a large purchase at 760?
With a 760 score you qualify for both. A HELOC or home equity loan will offer lower rates (6%–8%) but puts your home at risk. A personal loan (7%–11%) is unsecured. For amounts over $25,000, compare the total cost of each option. For smaller amounts, a personal loan is simpler and faster.