10 Best Personal Loans for Good Credit in 2024

In 2024, having good credit opens up a plethora of financial opportunities, and one of the most sought-after options is a personal loan. Whether you’re looking to consolidate debt, fund a home improvement project, or cover unexpected expenses, having a good credit score can qualify you for the best personal loan offers. In this article, we’ll explore the 10 best personal loans for individuals with good credit in 2024.

10 Best Personal Loans for Good Credit in 2024

1. SoFi Personal Loans

SoFi is renowned for offering competitive interest rates and flexible repayment terms. Borrowers with good credit can benefit from SoFi’s low APRs and no origination fees. Additionally, SoFi provides unemployment protection, allowing borrowers to temporarily pause their payments if they face job loss.

2. LightStream

LightStream, a division of SunTrust Bank, stands out for its “rate beat” program. If you find a lower rate elsewhere, LightStream promises to beat it by 0.10%. With no fees and a quick online application process, LightStream is an attractive option for those with good credit seeking personal loans.

3. Marcus by Goldman Sachs

Marcus offers unsecured personal loans with fixed interest rates, making it easier for borrowers to budget their monthly payments. With no fees and a straightforward application process, Marcus is an excellent choice for individuals with good credit looking for transparency and simplicity in their loan terms.

4. Earnest

Earnest takes a unique approach to personal loans by considering more than just your credit score. They analyze your financial behavior and responsibility, potentially offering lower rates to borrowers with strong financial habits. With no hidden fees and customizable loan terms, Earnest caters to the needs of responsible borrowers.

5. Discover Personal Loans

Discover is a well-known financial institution that offers personal loans with fixed interest rates and no origination fees. Borrowers with good credit can benefit from Discover’s flexible repayment terms, allowing them to choose a timeframe that suits their financial situation.

6. LendingClub

LendingClub operates as a peer-to-peer lending platform, connecting borrowers with individual investors. With competitive interest rates and a transparent fee structure, LendingClub provides an alternative lending experience for those with good credit. The online application is quick, and funds are typically disbursed within a few days.

7. Avant

Avant specializes in personal loans for borrowers with average to good credit. While interest rates may be slightly higher compared to some other lenders, Avant is known for its willingness to work with a variety of credit profiles. This makes it an accessible option for those with good credit looking for a personal loan.

8. Rocket Loans

Rocket Loans, part of the Quicken Loans family, offers a fast and streamlined online loan application process. With competitive interest rates and no prepayment penalties, Rocket Loans caters to individuals with good credit who are seeking a quick and hassle-free borrowing experience.

9. Upgrade

Upgrade is a fintech platform that provides personal loans with fixed rates and flexible terms. Borrowers with good credit can benefit from Upgrade’s credit health monitoring tools and educational resources, helping them make informed financial decisions. Upgrade also offers the option to add a co-borrower to potentially secure a lower interest rate.

10. PenFed Credit Union

PenFed Credit Union offers personal loans with competitive rates and terms. Membership is required, but it’s often open to a wide range of individuals. With a focus on member satisfaction, PenFed provides a reliable option for those with good credit seeking a personal loan from a credit union.


In 2024, individuals with good credit will have a plethora of options when it comes to personal loans. The key is to compare interest rates, fees, and repayment terms to find the loan that best suits your financial needs and goals. Remember to read the terms and conditions carefully and consider factors beyond just the interest rate, such as customer service, flexibility, and additional features offered by the lender. With the right choice, a personal loan can be a powerful tool to achieve your financial objectives and aspirations.

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