Personal loan options for 740+ (excellent credit)
Push for the lowest published APRs and shortest comfortable terms. Confirm prepayment terms before locking in.
Recommended path
Decision checklist for this range
- Confirm whether the loan is fixed-rate and whether prepayment penalties apply.
- Compare on total cost — origination fee + APR + term — not just monthly payment.
- Use prequalification flows that are soft-pull where available.